23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name XXXX XXXX Account XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

Credit Inquiry XX/XX/2021, Factual Data is mortgage company they advise that they dont see my information on computer spoke two mangers two different days ; they advise I need to report Fraud report.
Product: Debt collection

This is a closed account that continues to show up on my XXXX Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Acct Name : Capital One Bank Dear XXXX, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result.

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$180.00}
Product: Mortgage

I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.
Product: Credit reporting

The company is disputing an item from XX/XX/XXXX on my credit report as if it is a new account. The information that was provided to the credit bureaus is showing as new for a original creditor. Which should n't be updated on my credit report because I disputed the account and it was removed off my credit report to re appear as if it is new. Please investigate this company because the time has past on statue of limitations and now there returning with a new company to impose on my credit report and lower my report due to wrong information being provided 8 years later. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXXOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance {$2200.00}
Product: Mortgage

I submitted a complaint previously Complaint # XXXX. I thank you for partially assistance me with receiving funds in amount of {$110000.00}. I was quoted the amount I would receive would be {$110000.00} short {$450.00}. I also was due funds being held in the Repairs Department of AAG in the amount of {$680.00} which XXXX in the Loss Draft Department said was mailed to me on XXXX. To date I have not received that check nor any explanation of where the amount of {$450.00} was applied to. AAG received a 3 party check in amount of {$170000.00} on XXXX by XXXX Overnight Mail and I did not received my funds for 30 days. I am concerned that they applied the {$450.00} to interest that I dont owe seeing that had the funds for 30 days to pay off Reverse Mortgage.
Product: Debt collection

On XX/XX/2024, LVNV Funding LLC acquired a debt previously held by XXXX XXXX XXXXXXXX. I discovered this acquisition through my credit report, without having received any formal notice or debt validation from LVNV Funding or its servicer, Resurgent Capital Services. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, LVNV Funding is required to provide a written notice within five days of their first communication with me, which includes the amount of the debt, the name of the original creditor, and my rights to dispute or request validation of the debt. This notice was never received, depriving me of my legal right to dispute or validate the debt. 

On XX/XX/2024, I filed a complaint with the CFPB regarding this failure to provide proper notice. In response, Resurgent Capital Services acknowledged that LVNV Funding owns the debt and is managing it on LVNVs behalf. However, despite this response, LVNV Funding, as the owner of the debt, has not directly provided the required validation or any communication, violating their obligations under 15 U.S.C. 1692g ( a ) of the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), LVNV Funding has an obligation to ensure that information furnished to credit bureaus is accurate and to promptly notify me of any changes in ownership of the debt. Failure to notify me of the transfer and properly validate the debt also raises concerns under the FCRA, particularly 15 U.S.C. 1681s-2 ( b ), which requires furnishers of credit information to investigate disputes and report accurate information to credit reporting agencies. 

Given these violations of both the FDCPA and FCRA, I am requesting that this debt be removed from my credit report. If LVNV Funding can not provide proper validation and meet their legal obligations under federal law, they should be compelled to cease collection activity and correct any inaccurate reporting with the credit bureaus. 

I am prepared to pursue further legal action if these violations are not addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with XXXX and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2023 I went into XXXX XXXX in XXXX to purchase a car. 
My credit score with both XXXX and XXXX is XXXX - XXXX. I was told by car salesman, XXXX that my score was XXXX. I believed that a XXXX invoice may have contributed to the XXXX score. As a result, the finance charge was HUGE. 
When came home, I realized they had used an outdated credit score from XXXX which offered the XXXX score. The next day after reviewing my XXXX and XXXX scores, I requested they re-do the finance part with the updated credit scores XXXX or XXXX but they refused. 
It is my contention XXXX XXXX obtained finance through fraud. They have means to manipulate credit scores through a company called XXXX in their office. I am a XXXX and I believe I have been taken advantage of. An {$8000.00} car became an {$18000.00} debt. This outlandish. 
They secured financing through Capital One based on outdated information.
Product: Debt collection

LVNV FUNDING is classified as a " junk debt buying '' abusive debt collection company by the Federal Trade Commission ( FTC ). LVNV FUNDING was sued just recently for deceptive and abusive practices. All 3rd party debt collection companies are regulated under the Fair Debt Collection Practices Act. No alleged verified statement makes debt collectors exempt for breaking the law under the ( FDCPA ). LVNV FUNDING is known for using deceptive practices. Even now, per FDCPA Resurgent can not represent LVNV Funding. That is false and misleading representations per 15 USC 1692e ( 14 ). ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX want to also highlight that LVNV FUNDING did not respond to me directly when I asked them to validate the debt per 12 CFR 1006 Regulation F of the FDCPA or 15 USC 1692g. By law they are given 30 days to respond per 15 USC 1692g ( b ) ( FDCPA ) and they did not do so. That is a violation, and they are now liable to the consumer XXXX XXXX per 15 USC 1692k. Failure to comply to law prompts deletion of the any information the debt collector when they use abusive deceptive practices, otherwise LVNV FUNDING will face court consequences. I had to file a complaint with the CFPB just to get a response from this company. LVNV FUNDING also violated the privacy act per 5 USC 552a by illegally having personal information such as name or social security number is protected by the Privacy Act 1974 which is also in possession of the debt collection company Resurgent. Ths company has broken many laws during their response in the letter they sent to the CFPB in my initial complaint. Just because they sent statements to verify an alleged debt still does not validate the debt. It's called DEBT VALIDATION not debt verification. What LVNV FUNDING had Resurgent to send responding to my initial complaint, did not prove anything. Especially since they are being passive and avoiding responding to my letters directly. Their silence is of the acquiescence. Furthermore, LVNV FUNDING debt collection company lied and said they didn't break any laws. They have violated my rights. They are currently in violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A )
Product: Debt collection

XX/XX/scrub>XXXX Monterey Financial Account XXXX XXXX XXXXXXXX Dear Collector, I am writing in response to your phone call dated XX/XX/year>, regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as provided for by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ).

Please provide the following : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed accounting of how the alleged amount was calculated ; 4. Copies of any documents showing I agreed to assume this debt ; 5. The name and address of the original creditor ; 6. Proof that you are legally authorized to collect debts in Ohio ; 7. A copy of the judgment ( if applicable ).

Until you provide the above, please cease all collection activities, including reporting this debt to credit reporting agencies. If you have reported this debt to any credit bureaus, please notify them that the debt is currently in dispute. 
I request that all future communication regarding this matter be in writing only.
Product: Student loan

I have tried multiple times to discuss with Navient to lower my payment reqirements. They refuse. They constantly report me to the credit bureau and have two charged off items on my report. I am attempting to get another loan to pay my student loans off and no bank will speak with me. my credit score is now XXXX. I have been paying on the loan for 10 years and the balance has never decreased.
Product: Debt collection

I held XXXX particular American Express account since XX/XX/XXXX, that has a {$30000.00} credit limit. In approximately XX/XX/XXXX__ I guaranteed a credit card for a corporation that could eventually had difficulty making payments on time and during the merger in XX/XX/XXXX/XX/XX/XXXX.  for American Express, Amex could not find that account at all. At that time, American Express cancelled my personal credit card that was in good standing and had been in place for almost 17 years. In addition, American Express began to charge a penalty interest rate of 29.99 % making the interest payments on this debt almost impossible, let alone payments to the principal. Many attempts were made to contact American Express but to no avail. Multiple collectors from XXXX call my work several times a day, using aggressive language and tactics with me, my assistant and the receptionist. They have called my son. Attempts continue to be made directly to American Express to resolve the issue and get on a reasonable principle and interest payment amount, but nothing gets resolved. They continue to harass me, destroy my credit rating and refuse a resolution.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal application under the fair credit reporting Act ( FCRA ) to conduct a reasonable investigation of disputing information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protect protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend to dispute accounts, has experience inaction violates federal law in my rights has a consumer.
Product: Credit card or prepaid card

Account all of a sudden displays {$0.00} credit limit, but I haven't closed the account. Called the bank using the number on the back of the card and they said it has been closed for over a year ( it hasn't! ) and they can't re-open because it has been more than 180 days. 

The XXXX statement still has a credit limit on it, which is less than 180 days ago, so the person on the phone is obviously telling a lie. Also I didn't close the account!
Product: Debt collection

On Monday XXXX XXXX, XXXX, my mother received a call from XXXX XXXX regarding a collection that they have for me. They left a voicemail saying they were wanting to know how to locate me. She said she was from the XXXX XXXX XXXX XXXX there is legal litigation being filed against you. 
She said it was court case # XXXX & their phone # is XXXX. 

On Friday, XXXX XXXX XXXX. They proceeded to contact my spouse and he missed the call. A voicemail was left advising him that they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement. 
I attempted to return the call, received a voicemail that was full and unable to accept messages. 
They then contacted my husband 's ex-wife. They released the same information to her, advising her they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement.
Product: Debt collection

Prime investments has reported an inaccurate negative comment on my credit report. I do not owe a debt to them in the amount of XXXX dollars as they have reported in XXXX of XXXX, and again on XXXX of XXXX. I have never signed an agreement with them, and they have never furnished me with one. I demand they remove this account from my credit report
Product: Debt collection

On XX/XX/XXXX Zions Debt Holdings reports to all three credit bureaus that I owe them {$1900.00} because they claim to own XXXX account. I received a credit notification via my credit monitoring service. Dropped my credit score by XXXX points. The first me ever hearing about this. I sold the property in XX/XX/XXXX where the equipment was and/or is located. 
The current owners are responsible for any bills that occurred after XX/XX/XXXX. All bills associated with this account was paid off when the house was transferred/sold. 

The problem I have with this company is I didn't know they had me on their books owning anything and I believe they are trying to collect on a debt that's already been paid. 

I established an account with XXXX XXXX Loan who serviced XXXX my Account on XX/XX/XXXX. Attached is the Federal Truth in Lending Disclosures. I will be reaching out to the Attorney General to find out how many other people have been effected by these fraud claims. The attempt to collect debt from people who has paid already. I have my documents.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information being reported on my XXXX XXXX account ( # XXXX ). Despite filing a complaint with the CFPB against the major credit bureaus, no resolution has been reached. I have identified numerous inaccuracies and demand that this account be deleted. I have made several complaints in the past, but each time, no action has been taken. 
Attached are several documents from XXXX, XXXX, Equifax, XXXX XXXX, and XXXX XXXX, which provide evidence of inaccurate reporting by the credit bureaus. Document # 1 is the original CFPB complaint that I previously submitted and was not taken seriously, so I request that you review it thoroughly. Document # 2 is the XXXX XXXX report, where I have highlighted that the account is fully paid off and shows no late payments ( XXXX ) days late. However, the credit bureau reports otherwise, indicating an inaccuracy. Document # 3 from Equifax confirms that I have XXXX late payments. Document # 4 further supports that the account is paid in full. Document # 5 from XXXX XXXX shows several highlighted inaccuracies, including incorrect reporting of the date opened, high credit, last date active, and discrepancies among the major credit bureaus regarding how the account was reported in XXXX. Documents # 6 and # 7 outline the laws that credit bureaus must follow, specifying that if inaccurate information is reported, it must be deleted. With the evidence and documentation provided, it is clear that there are significant inaccuracies in the reporting of my XXXX XXXX account. I am requesting that this account be either deleted or corrected ON TIME PAYMENT, as it is my right to have accurate information reflected on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX XX/XX/XXXX under the account number ( private ) and a Store Credit Card account opened at XXXX on XX/XX/XXXX with a balance of $ ( private ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Someone started to use my Navy Federal account in XXXX and made SEVERAL fraud charges. I did not suspect any fraud because my card was in my possession the entire time. On XXXX XXXXXXXX I received a push notification about a purchase of over {$400.00} from XXXX being declined and upon opening my account to see what was going on all of my money was gone. I have been a customer with Navy Federal and my account has NEVER been in bad standing. I have also NEVER spent all of my money. I have consistently kept XXXX in this account and now I have been wiped clean of about {$6100.00} and I am being asked to provide proof I am unsure of how I can provide proof of fraud. The purchases were not made by me and I have tried reaching the merchants and I am being told I need order # s in order to get any info about the orders placed which i Dont have because I didn't place the orders. Can someone please help me sort this out.