23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of my previous request, I found out that the inaccurate items still appeared on my credit file. I value your help to REMOVED some of the items in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 credit bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've already include this report for a past letter and I am including it once more. These are the following fraudulent items that are needs to be deleted : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023.
Product: Credit card

I applied for a credit card with Chase. They mailed the card to an old address that I have n't lived at in years. Fortunately, I know the people who live there now, otherwise I never would have gotten my card. I called to ask them what happened and they just ignored me. They wo n't tell me what data they have for my address or what went wrong. Then for some reason they they tagged my card for fraud and shut off my credit access. They wasted a lot of my time trying to solve a mistake they made.
Product: Mortgage

I had a disagreement for the non-approval of my Mortgage Assistance Application and it was sent to The Escalations Department. I have been calling everyday since XX/XX/24 to get a update because of my pending sales date of XX/XX/24. I called on Friday XX/XX/24 for a update The representative told me that my foreclosure was on hold. I called the Trustee to confirm and he told me yes it was still on hold. I called PHH/newrez on Monday XX/XX/24 at XXXXXXXX XXXX the day of the sale date for a update on my account, the representative told me the foreclosure was still on hole and there was no new update. I called the Trustee at XXXX XXXX the same day to confirm and he said yes it was still on hold. 
I called PHH/newrez on Tuesday XX/XX/24 for a update on the account and the representative told me that my home was sold at Auction. If my foreclosure wasn't going to be place on hold I would of made other plans to protect my home when I call on Friday XX/XX/24. They were misreporting the status on my account. All of the phone calls were recorded!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 JPMorgan Chase Bank received a request for Validation. They sent an accounting of " STATEMENTS '', which does not validate a debt. XXXX was notified via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX, they were given notice of the errant account. They initiated a reinvestigation and said the account was " Verified ''. Verification is not a validation. JPMorgan Chase Bank could not provide proof of contract with my wet-ink signature. Lack of a signed promissory note with my signature means the " alleged debt '' is not valid. XXXX has failed to list the account a " disputed '' therefore are committing FCRA violations. XXXX has failed to properly investigate JPMORGAN CHASE BANK, if they did, they too would assert that JPMORGAN CHASE BANK has not validated the debt. These are all FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

To whom it may concern : I am writing to you regarding the following Capital One account : opened date : XX/XX/2018, limit {$2000.00}. 

I am very affected because of this situation, I have XXXX XXXX  and some other damages. Capital One is being unfair, negligent, and they are also committing multiple violations to my rights as a consumer.

Here are some of them : 2. Not being able to obtain loan.

3. XXXX XXXX

4. Unfair business practices.

5. Negligence.

6. Failing to mark account affected by natural disaster.

7. Failing to mark account as disputed. 
etc. 

I am opened to discuss this with Capital One. I have make my research, and created some documents for Capital One. I know these gys will take this seriuosly. They have always been known by their human side and fairness.

Please send to Capital One the documents that I have uploaded.

Thank you.
Product: Debt collection

On XX/XX/XXXX I received a credit monitoring email alert that a collection was placed on my credit report by Transworld System Inc for the debtor XXXX. I never received ANY written notice about a debt owed to XXXX from Transworld System Inc. I never received a final bill from the debtor XXXX. I had no idea that I owed XXXX anything. After receiving the credit monitoring email alert about the collection being placed on my account, I called XXXX directly to confirm that I actually owed them. It turns out that I had a final balance that was due on an utility account I closed in XX/XX/XXXX. I told them I never received a final bill from them and had no idea that I owed this amount. XXXX confirmed that they had an incorrect address to send the final bill to. The address they had was the same as the service address. I never received an opportunity to see a final bill, review the final bill or dispute the final bill- for over 5 years. Transworld System Inc NEVER sent me any notice or bill in writing saying that this account was in collection - I never received any opportunity to pay for this account before they put it on my credit report as a collection. Had I known that I owed XXXX in XXXX I would have paid the account right away- but I never had that opportunity before they reported it as a collection. I've paid the account to XXXX- but it should have never been reported as a collection. I've asked Transworld System Inc. to remove the collection account because I was never given the opportunity to verify, confirm and pay the debt before it was reported as a collection. They have not removed the collection from my credit reports- they just updated it to show it was paid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Remove all reported accounts.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

After a 4 hour presentation for a vacation club membership back in XX/XX/XXXX, I became interested in the trial membership offered by XXXX XXXX. I decided to apply for in house financing for XXXX XXXX XXXX " XXXX Vacation '' membership. I signed an application that I was advised was preliminarily approved and the conditions of being able to use the club membership is when I paid the first {$1400.00} on the account. I was not able to use the membership or book vacations until this was done. The document I signed advised the same. I was never advised that XXXX applied for third party financing through Comenity Bank and that my financing was approved at the full amount paying off XXXX. Because XXXX was paid off I would have been able to use the membership right way. I never received any disclosures or approval letter from Comenity bank. I was also advised that my first billing cycle would have been in XXXX with the promotional 0 % trial rate expiring in XXXX. I requested if it could be at the end of XXXX to be able to pay off the amount. The representative in XXXX, FL location was not able provide an exact date but assured me since it was in house financing I can request for an extension and a payment change date. I expected a statement from XXXX in house financing and never received one. I then received a collection call from Comenity. This is when I learned that my account was with Comenity and not XXXX. Although Comenity has tried to work with me on these issues they were unable to honor the trial promotional rate as advised at the Resort. They said the promotional rate once expired on XX/XX/XXXX would require upfront interest rate payment of over {$320.00}. They said it's based on the full purchase transaction not annual rate divided over the months due.They stated my current payments would not be taken into account. I told them that did not make sense and I would never sign up for that. They said I would have to have XXXX tell them that the promotional rate was supposed to end in XXXX but they couldn't do anything about it. Comenity was also not able to pull any contract or application showing I had applied with them when I requested for this proof. I called XXXX and they said unless I have documents stating it was supposed to end in XXXX they would not correct it with Comenity. They stated I signed an application allowing them to apply for VCC, which I did not know meant applying to Comenity bank, I thought that was referring to their in house financing. They said I should have been advised this at time of purchase knowing that the whole membership was paid in full at Comenity. I told them I was not advised this and never received anything in person or in the mail. I have spent countless hours, days and months trying to resolve these issues and feel XXXX 's practices were deceptive. These companies are not providing full disclosures, are dishonest and appears to not be transparent in order to make these sales.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This JEFFERSON CAPITAL SYSTEM accounts with a balance of {$3400.00} and {$2400.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXX XXXX - XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, 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

I am writing to formally dispute the negative reporting associated with my [ XXXX ] account, which has been inaccurately reported to my credit file. 

XXXX failed to withdraw payments from my card for six months without notifying me of any issues. When I became aware of the account being charged off, I immediately contacted them. A representative agreed to resolve the outstanding balance with a {$50.00} payment and assured me that they would assist in removing the negative marks from my credit report and collection status with the credit bureaus. However, despite fulfilling my obligation and making the agreed-upon payment, the negative reporting remains, and my account is still listed in collections. 

This constitutes a failure to uphold the agreement made by Kickoff, and as such, I request the following actions : Immediate removal of the negative payment history and collection status associated with this account from my credit report.

Verification of the inaccurate information under the Fair Credit Reporting Act ( FCRA ), as the reported information is misleading and does not reflect the agreed-upon resolution.

Investigation into XXXX failure to honor their commitment to assist in clearing the negative report upon resolution of the account. 
Please consider this letter a formal dispute under the FCRA. If the negative information is not corrected or removed, I request a written explanation outlining the verification process and proof that the information being reported is accurate. 

I have attached supporting documents, including my payment confirmation and correspondence with XXXX. Please review my dispute and update my credit report accordingly. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the outcome
Product: Credit card

I closed the Victorias Secret credit card and when i closed it i didnt have a balance on it. Now months later they are saying theres a {$50.00} balance in fees. That makes no sense
Product: Debt collection

I tries calling this company to negociate the debt and was advised that if I dont pay the debt in full b y  XX/XX/XXXX the  debt will be reported to the credit, I tried to get a payment arrangement, and they told me that a payment arrangement will not stop the debt from hurting my credit, I think this is unfair because I am willing to negociate and make payments, I felt threatened by this. I spoke with supervis or   XXXX   XXXX   on   XXXX   XXXX   XXXX   around   XXXX   XXXX   EST.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below are fraudulent TransUnion XXXX XX/XX/2022
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 XXXX XXXX Account # XXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXXXXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXXXXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violate my rights. 
XXXX XXXX  Account # XXXXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Vervent inc. have been willfully and unlawfully violating my rights as a consumer and I have proof. XXXX XXXX / Vervent have been attempting to collect a debt and reporting negatively on a closed account that was previously deleted off of my credit report. Somehow without my consent XXXX XXXX Vervent and XXXX reopen a closed account and Negatively impacted my credit profile, bringing harm/ pain and suffering to my/ family 's livelihood. 

In a previous complaint back in 2021, XXXX XXXX Vervent resume responsibility of my presumption calling it an " oversight '' ( please see attached letter as proof where they admitted to me closing the account and them ( XXXX XXXX  ) continued to bill my authorized cardholder 's account, which is illegal ). please see pictures as proof of deletion after the first complaint. This is Fraud and against the Law Pursuant to 15 usc 1692 and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was apply for home loan and there should be only 1 hard inquiry. I show 2 companies only 1 where I finally used for my loan Thank you XXXX XXXX XXXX  ( Finance ) XX/XX/2022 CREDCO/XXXX XXXX  ( Bank ) XX/XX/2022 2022
Product: Credit card or prepaid card

On XX/XX/23 at XXXX XXXX  I purchased a {$130.00} Vanilla Visa Gift Card with an additional {$5.00} activation fee at XXXX XXXX in XXXX, NJ. On XX/XX/23 at XXXX XXXX  I checked the balance on the card at it was {$3.00}. Apparently someone stole the gift card number and purchased {$130.00} word of merchandise at XXXX. First transaction was for {$100.00} ( XXXX  XXXX confirmation number of purchase ) and second transaction was for {$31.00} ( XXXX  XXXX confirmation of purchase ). I did not authorize either of these purchases. Got in touch with the merchant ( XXXX ) and Vanilla Visa but neither party will reimburse me for the losses. I even have a document by XXXX that states they have located the fraudulent activity and shut the account down of the individual that stole the funds.