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

I am submitting to express my appreciation for your efforts in addressing some of the fraudulent items in my credit file, stemming from an alleged identity theft. However, it has come to my attention that several remaining items persist, demanding your urgent attention and resolution. Upon a thorough review of my records, I have identified numerous files that do not pertain to me yet continue to be reported in my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I would like to bring to your immediate attention the legal requirement for Credit Bureaus to expeditiously remove such items that are proven to be opened due to identity theft. To support my claim, I am attaching the necessary Federal Trade Commission ( FTC ) Report, with reference numbers XXXX, XXXX, and XXXX, and a copy of my bank records. The disputed items, detailed below, are unfamiliar to me and do not align with any transactions I have authorized : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Owed : {$3200.00}
Product: Debt collection

Issue : XXXX XXXX XXXX XXXX XXXX, on behalf of Citibank, XXXX, engaged in unethical debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple requests for validation, the firm initiated legal action and provided incomplete or inconsistent documentation. 

Details : XXXX XXXX XXXX failed to validate the alleged debt despite a timely formal request under FDCPA 15 U.S.C. 1692g. 
The firm initiated a lawsuit in the XXXX of XXXX XXXX of XXXX XXXXXXXX XXXX  before validating the debt. 
Requests for proof of XXXX XXXX XXXX license to collect debts in XXXX were ignored. 
Documentation provided by the firm included inconsistencies, such as improperly dated or unsigned materials and references to unrelated individuals. 
XXXX XXXX : I request the CFPB investigate XXXX & XXXX practices and ensure compliance with federal debt collection laws to prevent further consumer harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I did not authorize these credit checks.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue I have encountered with XXXX, regarding my student loan account XXXX. Despite my attempts to resolve this matter directly with XXXX, I have not received a satisfactory response, and I am seeking your assistance in addressing this matter. 

On XX/XX/2024, I submitted a formal request to Aidvantage for validation of debt pertaining to my student loan account. However, to date, I have not received any acknowledgment or response to my request. Instead, I have noticed that XXXX unilaterally increased my interest rate without providing any explanation or prior correspondence regarding such a change. 

Furthermore, I was alarmed to discover that the agreed-upon forbearance date was unexpectedly moved up without any prior notification or explanation from XXXX. This unilateral action has caused significant inconvenience and financial strain for me.

As a conscientious borrower, I believe it is my right to receive transparent and timely communication from my loan servicer regarding any changes or updates to my account. However, the lack of response to my validation of debt request, coupled with the arbitrary changes to my loan terms, has left me feeling frustrated and unsupported.

Under the FDCPA, if a consumer requests validation of a debt within 30 days of being initially contacted by a debt collector, the debt collector must cease collection activities until they have provided verification of the debt. Additionally, if the debt collector fails to provide validation of the debt, they are prohibited from continuing collection efforts, and they must cease reporting the debt to credit reporting agencies. This requirement is outlined in section 809 of the FDCPA.

I kindly request your intervention in this matter to ensure that XXXX provides a prompt and satisfactory response to my validation of debt request, as well as a clear explanation for the sudden changes to my interest rate and forbearance date. Additionally, I would appreciate your assistance in ensuring that XXXX adheres to fair and transparent lending practices in their dealings with borrowers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equafax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX-Balance {$0.00} XXXX XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about errors on my XXXX credit report, mainly failure to provide a notice of dispute. Furthermore, they failed to offer an explanation for the issues that were factually-disputed. Instead, they replied that they would not re-investigate. However, failure to provide notice of dispute, which is a violation according to the Fair Credit Reporting Act. XXXX failed to comply.
Product: Credit reporting or other personal consumer reports

The account is older than 7 years from the date of first delinquency and should no longer appear on my report.
Product: Credit card or prepaid card

XXXX XXXX ( XXXX ) switched banks to service their credit card to Commenity Bank. I was in good standing with XXXX 

The transfer of accounts from one bank to the other should have been a transfer not a closing of one account and an opening of another.
My credit score took a big hit 28 points by Commenity Bank closing my account. This account with XXXX XXXX was opened less then a year ago and had only {$66.00} left on the account. Because Commenity Bank closed one account and opened a new one- my credit score went down. 

They wo n't do anything to fix the problem. If this was the situation with a new bank taking over an account, I feel like I should have had the option of closing my account on my own without opening another one.
What can be done to fix my credit score? This wo n't sit will with a mortgage company seeing a 28 point loss this week.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file as they are a result of identity theft and unauthorized use of my personal information. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed this alleged debt online, I mail formal dispute to both collection agency XX/XX/2023 who are reporting the alleged debt to my consumer report and I requested document proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service; the name of the patient ; and the proof that there is some contractual obligation which is binding me to pay this debt. One of the letters I sent is still in transit and hasn't been deliver, which can only lead me to XXXX XXXXXXXX XXXX is reporting a false address on my consumer report and is not allowing me to exercise my rights to dispute anything on my credit report that is inaccurate. I was never notified in writing in reference to this alleged debt. Which is a violation of 15 USC 1692g. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act
Product: Vehicle loan or lease

I have recently checked my credit report with XXXX, XXXX, and XXXX and discovered that FORD MOTOR CREDIT AUTO LOAN ACCOUNT that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by Ford Motor Credit account wrong reporting. I never had account with Ford Motor Credit on XX/XX/2017. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.
Product: Money transfer, virtual currency, or money service

CashApp sent me a receipt of a successful refund of {$150.00} on XX/XX/year>. However, the funds are nowhere to be found. The receipt indicated that the funds were returned to my debit card with XXXX XXXX. No funds could be found in my bank account. I talked to CashApp again and they urged me to file a dispute with XXXX XXXX  and that they would work directly with the bank. XXXX XXXX  responded that CashApp claimed that my refund was in CashApp account balance - a different story than they had told me. I submitted all the statements showing no funds in CashApp account balance or bank account. 

CashApp is no longer willing to talk to me, claiming that they are dealing with XXXX XXXX  directly. They are stalling, and making false statements to XXXX XXXX. They claim to have refunded {$150.00} which can not be traced. I think they are running a scam. 

Please help me recover my {$150.00} refund with CashApp. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a data breach and my telephone, social security number, address, email address and birth date was leaked and is on the black web.
Product: Credit reporting, credit repair services, or other personal consumer reports

my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that XXXX in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX on credit for the wife and i.
Product: Debt collection

I moved out of XXXX XXXX XXXX complex at the end of XX/XX/XXXX. Very soon after I received a letter that I owed money to the complex for damages to the furniture I did not ( nor any of my roommates ) make ( I do not recall an amount being stated in the letter ). I emailed the apartment complex manager on XX/XX/XXXX saying I would not pay for the damages I did not make, and sent her attachments of my inventory list from before moving into the complex that shows I had noticed couch damages prior to move-in, and had noted it on my inventory list. I received a reply two months later that said the damages were due to pet dander and stains, which me nor my roommates made. I replied to the email XX/XX/XXXX noting, again, that me and my roommates had not damaged the couch, that the condition we left it in was the condition we found it in. I also stated I would get an attorney if they continued to bill me a payment I was not responsible for. Since XX/XX/XXXX, I have not had any correspondence with the apartment complex manager until yesterday XX/XX/XXXX, when my mother ( who cosigned my lease with me for this complex ) received a call that the amount owed to the apartment complex had been sent to a collection agency.
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED THAT EXPERIAN, XXXX, AND XXXX XXXX PROVIDE VALIDATION AND THEIR METHOD OF INVESTIGATION ON MULTIPLE TIMES AND NOTHING HAS BEEN DONE. I HAVE SENT VALIDATION THAT ACCOUNTS DOES NOT BELONG TO ME BUT IT HAS BEEN IGNORED. I AM AWARE THAT EXPERIAN HAS BEEN SUED DUE TO SHAM INVESTIGATIONS IN CONSUMER COMPLAINTS AND I HAVE BEEN A VICTIM. XXXX HAS HAD DATA BREACHES WHICH HAS EFFECTED ME ALSO. I HAVE BEEN A VICTIM OF IDENTITY THEFT! I HAVE SENT IN POLICE REPORTS AND NOW I AM SENDING IN A FTC REPORT WITH HOPES OF RESOLVING THESE ISSUES.
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. 

Account name : XXXX XXXX # XXXX 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 othe
r 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

this is my second complaint about Rushmore Loan Management. I am in mediation to prevent forcluser, after the 1st mediation they offered a down payment of XXXX and the a MONTHLY PAYMENT OF XXXX what they didn't disclose on the phone was it was due in 15 days. 

I made the down payment on XX/XX/XXXX, XXXX. according to there terms I need to pay the other XXXX on XXXX XXXX that's 15 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan from JPMorgan Chase for 10 years. I was never late on any mortgage payment the entire 10 years that the mortgage was outstanding. However, when I sold the home my Closing Attorney send JPMorgan the Payoff letter and the check to the outstanding balance. JPMorgan received the but it somehow did not get accounted for on the date the mortgage payment was due. JPMorgan, reported that I was late on the very last payment listed on my Credit Report. This is very outrageous given my long standing relationship with them and given that I paid my mortgage payment on time every month for a decade. 

It has been extremely difficult reach anyone who could help resolve the matter. As you my be aware it is the largest bank in the world yet it doesn't have the ability to help long standing clients with issues such as this. 

I would like the late payment removed from my credit report because I was never late on my mortgage and can not be responsible for an issue with the payoff letter that might have happened in their backoffice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported that i closed this account and reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 


XXXX reporting a past due of {$380.00} reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXXXXXX XXXX reporting a late payment of {$320.00} reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXX inquiry on XX/XX/XXXX This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I took out a line of credit to fill two rooms in our new home with furniture that we found at the XXXX XXXX store in the XXXX Texas in XXXX of XXXX. Our purchase consisted of 2 night stands, a bed frame, a low boy dresser and a couch. The promised delivery time was a few weeks after the store visit. It never came. After many conversations with the salesman and others at the store, the couch and two bed stands were delivered mid XXXX. We were originally told that they would deliver only when all items were in the warehouse. Thankfully, they honored the request to deliver the couch early since the rest of the furniture was delivered in XXXX of XXXX. This took many calls a week and at times, visits to the store when nobody was reachable by phone. They were always pleasant and did what they could. We started to get the credit cards bills for a contract that hadnt been fulfilled and as much prodding as it took to get just the couch, we didnt know when the rest would show. I should mention that the dresser did come with broken drawer slides and that was promptly and satisfactorily repaired. When the complete order was delivered, we made payments as agreed. The XXXXXXXX XXXX XXXX XXXXXXXX gave a two month non payment report to the major credit companies. It was disputed and denied. I called and spoke with a customer care representative and a manager at the XXXX number for the credit company. Both said there was nothing that could be done. I was told that there was a form available on the website, but after looking at all the menus, there was not a link to it that I could find. This is the only XXXX mark on our credit reports and we believe that it is without merit and unjust that we disputed it and can not get anything other than a canned script about understanding and sympathy for the position we have found ourselves, but there is nothing that can be done. 

I request that the notification of nonpayment to all of the credit reporting agencies be rescinded. The entire balance has been paid in full early. The payments were made on time when the contract we entered in was fulfilled as agreed.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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, XXXX : # XXXX, XXXX XXXX : # XXXX, 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: Debt collection

I informed the third party company 3 months ago I am unemployed and homeless and will not have any monetary payment until I get back on my feet. They continue to call me repeatedly XXXX a day leaving voicemails and threatening to take legal action.i
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.
Product: Debt collection

IC system is reporting a debt on my credit report after I explained to them its not my debt. They told me if I paid it they would delete it. I paid them and it is still reporting on my credit report after paying it after they agreed to delete it after paying.