23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I pulled my FICO Credit Report from all three Bureaus ( Experian, XXXX, and XXXX ) and found out that my personal information ( Name & Address ) was being reported wrong and that my Credit Report had inaccurate and incomplete credit information. I then sent Experian, XXXX, and XXXX a Personal Information Update Letter on XX/XX/year>. 
I received responses from XXXX of the XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX ) on XX/XX/year>, verifying their information Experian replied via their website, XXXX via Mail, and XXXX XXXX No Response, and my Credit report still had personal information ( Name & Address ) was being reported wrong and my Credit Report still had inaccurate and incomplete credit information. I then sent Experian, XXXX, and XXXX another Personal Information Update Letter on XX/XX/year>, and My 1st Dispute Letter for the inaccurate and incomplete credit information being reported. As of XX/XX/year>, I have not received any response from all three XXXX ( Experian, XXXX, and XXXX ). So, I sent Experian, XXXX, and XXXX another Personal Information Update Letter on XX/XX/year>, and My 2nd Dispute Letter for the inaccurate and incomplete credit information being reported. On XX/XX/year>, I logged into my XXXX XXXX account to monitor my XXXX XXXX and XXXX profiles, and XXXX XXXX has started reporting a debt owed to XXXX XXXX XXXX XXXX in the amount of {$630.00} on the XXXX XXXX XXXX without any validation of this debt.
Product: Credit reporting or other personal consumer reports

Complaint Description : XXXX has been inaccurately reporting a closed and charged-off XXXX XXXX XXXX XXXX  account as active and over the limit. This incorrect reporting has triggered alerts from multiple financial institutions, negatively impacting my credit profile and financial standing. 

Despite submitting two previous disputes to XXXX, the issue remains unresolved. The first dispute was submitted on [ date of first dispute ], followed by a second attempt on [ date of second dispute ]. XXXX has failed to correct the reporting, despite being provided with supporting documentation indicating that the account was closed and charged off. 

As a result of Experians continued inaccurate reporting, I have experienced significant financial inconvenience, including declined credit applications and higher interest rates due to the erroneous over-limit status being reflected on my credit file. 

I am requesting immediate action from XXXX to investigate and correct this reporting error in compliance with the Fair Credit Reporting Act ( FCRA ). If XXXX does not resolve this issue promptly, I intend to escalate my complaint further with appropriate regulatory authorities. 

The inaccurate reporting must be corrected to reflect the true status of the account as closed and charged off.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these itXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated by XXXX, XXXX, and Experian on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX  XXXX, debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.
Product: Debt collection

A company by the name of Ability Recovery Services LLC placed 4 collections on my credit report with no explanation ( aka no notices or letters ). I attempted to resolve this and still have not received any information. Which does not surprise me since I have not been to the ER in 8 years and I have great medical insurance. I recently had issues with things of this nature appearing on my credit and have had to file a complaint against XXXX & XXXX, and surprise, these are the 2 agencies reporting this false information. It seems like harassment from the credit reporting agencies as well as Ability Recovery Services LLC
Product: Checking or savings account

On XXXX XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XXXX XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent letter to XXXX, expirien and XXXX however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i
Product: Payday loan, title loan, or personal loan

I took out an installment loan with Justice Finance. I made my payments and had no problems for a long time. I even would refinance my loan from time to time. If i got a little behind I always called and they worked with me. The 2 girls in the office were always really nice and willing to work with me. I fell behind due to medical issues with my husband. I began getting calls from them pretty much daily and then they starting calling my job. I send a note to the office as well as spoke to them and let them know that I was not to receive any calls at my job due to our rules at work. I then started to get 2 to 3 calls per day which is a violation. I was essentially ignoring the calls since there was really nothing I could do about the account. The last straw was on XX/XX/2018 when I received a call from a new girl in the office XXXX. Instead of calling me from the office line she called me from her personal cell number and I answered. She was beyond rude. She proceeded to tell me that this was my loan and I needed to take care of it and that I had no excuse not to take their calls or call them back that I get breaks at work. 
ON XX/XX/2018 I sent a letter straight to the office as well as their corporate office as an intent to sue for the violations. I have recordings of the call. I did finally receive a response back from them that they were sorry that were unable to come to a solution as to what I had asked for and I could contact them by mail and they were ceasing all collection activities. I have not sent any other correspondence to them as yet. 
I could file suit with my attorney but I was trying to give them the opportunity to make this right. I know being in the collection business that violations can be fined at {$1000.00} per violation and they had several. 
All I asked from them was that my loan show paid in full and reflect positive on my credit. My loan balance was under the {$1000.00} fine amount. I can hire my attorney and get much more I was just trying to give them the opportunity to make their mistakes right but nothing has been done to this day.
Product: Credit card

On XX/XX/year> my card was stolen and someone was already in my bank account moving all of our money around ( the morning our tax return dropped into our account ) and that entire tax return was spent. We were given a provisional credit to our account in the amounts of {$3600.00} and {$1500.00}. Now they are denying our claims and I was told over the phone that they dont deal with scams and our money would not be returned. We have an open case filed with the police in our area, they believe they know who did it but its still ongoing. A transaction for {$17.00} was also claimed and accepted. This was a transaction made at the same time as all of the other transactions made by the same person who stole my card. But the other claim with {$3600.00} was denied allegedly because they said it looks like I authorized those transactions. I did not authorize a single transaction made, the card was not and is not in my possession. I was also told by a navy federal XXXX  that I should not worry, it happens and things will get resolved. Then another representative told me well im sorry you were given false hope, we dont deal with scams. I also asked if I could possibly see if I could get the video surveillance from the XXXX  in our area that my card was racked up at and send it in to them and she said they dont take auditory or video evidence.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase Bank has violated 15 USC 1681 s-2 ( e ) 8 Responsibilities of Furnishers to consumer reporting agencies ( duty of person after receiving a dispute ) Chase has frivously closed the dispute as a " duplicate '' through the cfpb portal which is false. The previous dispute or complaint was in regards to inaccurate reporting. This complaint is relating to my privacy rights. 
After checking my credit report I found an account listed from JPMCB Card Services where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

CKS Prime Investments LLC Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 

I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 

The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement. 

2. Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. 

Validation requires : The original signed agreement identifying me as the debtor. 

A chain of title proving ownership transfer of the debt. 

Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( See XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3. Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt.

4. Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 

XXXX. Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts.

Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful.

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.
Product: Debt collection

Received a letter Back in XXXX. I responded and Asked for proof of debit Via fax ( i have proof of fax enclosed ). I also mailed out a copy that I faxed to them for proof of debit ( I have provided the printed tracking numbers as proof as well ) I got a letter today stating they are going to Sue us if we do not pay. This is the only response we have received and still have not been provided with any signatures and proof we owe this debt, or anything we have asked for in the letters we have sent.
Product: Mortgage

I had over {$20000.00} in damage done to my house by a hail storm on XXXX XXXX. My insurance company has been sending me checks to cover the damage and I have to endorse them an sent them to my mortgage company ( Home Point Financial Corporation-loan # XXXX ). I have received 5 checks from the insurance company so far and I will be receiving 1 more in the next few days. I received a check issued on XX/XX/2021 for {$13000.00} and I signed it and sent it and I received it back from home point about 20 days later. I received a check dated XX/XX/2021 for {$770.00} and a check for {$120.00} dated XX/XX/2021 in the same envelope and signed them and sent them to homepoint in the same envelope. They sent the check for {$120.00} back to me but not the one for {$770.00}. I received a check for {$2300.00} dated XX/XX/2021 and sent it to home point the day I received it. When I call home point they tell me it takes about 10 days to process and send the checks back. Whenever I call them, they say the checks are in processing. I will be XXXX XXXX XXXX this week and I can't take the stress home point is putting on me, Why home point is continuing to hold the checks I don't know. All the work has been done and the contractor wants his money and I don't have it to pay him because home point has not sent the checks back so I can pay him. The last check they did send me back, I had a hard time cashing it because it was over 30 days old.
Product: Credit reporting or other personal consumer reports

I had a mortgage with Nationstar at XXXX XXXX XXXX XXXX Ohio XXXX and filed a XXXX XXXX bankruptcy they are reporting that my account was 90 days late but that was due to bankruptcy under their protection when setting up the payment plan thru court and was not truly late and it is hurting my credit. I should not be punished when I was under court protection and they are the ones that took so long to distribute the payments. I paid on time myself. Please remove these inappropriate reported late payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Placed on my credit report a debit for {$980.00}, this dropped my score over XXXX. 
Then placed on my account another debit over {$2500.00} and this hurt my score over XXXX. I disputed it and that was removed from my credit report for a reason. 

Months ago I called and requested for proof of debit again and this would be my XXXX time. I asked for proof that they have obtained my Medical Files. 

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have XXXX accounts. 

So since I remember disputing XXXX and XXXX was deleted from my credit file, it shouldn't still be an issue but it is and now it's XXXX. 
I asked again for all XXXX account numbers. 

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts. 

So for this complaint I am reporting XXXX accounts, XXXX was REMOVED FROM MY CREDIT FILE and XXXX is still there and also this other account. 

XXXX or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report XXXX XXXX on my credit files. 
This same complaint will be sent to Transunion, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX  opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX  Line of credit with account # XXXX  opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX  Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its been more than 30 days that I file a report The information on my credit report is in accurate. I spoken to the company that has an open account under my name. I asked him to verify The account and submit papers showing the amount that is still on the account on this account. I have no knowledge and I just need this removed. This item is accurate and it does not belong to me. I need this removed as soon as possible from my credit report. XXXX XX/XX/XXXX XXXX account number XXXX