23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a credit card with Citibank for which they took me to a collection agency. I got an agreement with the collection agency and paid off the credit card. This was back in XXXX 2016 and today XXXX XXXX, 2016 they have not removed the collection from my credit report and its affecting my ability to have a decent credit. I called Citibank like 4-5 time and they stated that they do n't offer deletion letters and could only provide a fax number for me to fax my claim to CitiCard Credit Services to the attention of " Citibank CRB Dispute ''. To this day I have not heard back from Citibank and my credit still showing that collection which should had been removed by now because it 's been more than 60 days since I paid off the debt. I beg for your help to have CitiCard to remove that collection from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant took exceptionally long time to process crediting my account. The account XXXX XXXX XXXX ending in XXXX should reflect a XXXX balance.
Product: Credit card

I am writing this letter in order to request your help and understanding. Back in XX/XX/year> when the negative items was listed, I had health issues and made one late payment, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
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 : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX  acknowledging the technical issue with their automatic payment system. 
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: Debt collection

I am filing this complaint against LVNV Funding LLC for their repeated failure to validate an alleged debt, their refusal to verify the chain of ownership, and their reliance on third-party debt collectorsResurgent Capital Services and XXXX XXXX XXXXto provide inadequate and incomplete responses on their behalf. Additionally, recent changes in how the account is reported raise serious questions about the legality of the exchange of my personal information between LVNV and these collectors. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Failure to Validate the Debt I have submitted multiple formal requests to LVNV Funding LLC to validate this alleged debt, including a certified letter received by them on XX/XX/year>. Despite my efforts, LVNV has failed to provide sufficient documentation to validate their claim. Specifically, they have not provided : A signed contract or agreement proving my obligation to this debt. 
A complete chain of title proving their ownership of the debt. 
An itemized breakdown of the alleged debt, including fees, interest, and the original balance. 

Instead of responding directly, LVNV has relied on third-party collectors, Resurgent Capital Services and XXXX XXXX XXXX XXXX to verify the debt. These verifications included incomplete or irrelevant documents, such as account summaries and unsigned applications, which fail to meet the legal requirements for debt validation under 809 of the FDCPA. 

2. Refusal to Verify Chain of Ownership In a previous CFPB complaint, I specifically requested that LVNV provide a full chain of ownership for this debt. Resurgent, responding on LVNVs behalf, explicitly refused to provide the purchase and sale agreement, stating : Resurgent is not obligated to respond to the consumers request for a copy of a purchase and sale agreement and declines to do so. 

This refusal prevents me from confirming LVNVs legal right to collect the debt and directly violates my rights under the FDCPA. 

3. Suspicious Reporting Practices and Data Exchange Recently, the account was altered in how it is reported to credit bureaus. Initially listed as LVNV/Resurgent , it is now reported solely as LVNV Funding LLC . This change raises concerns about : Whether my personal information has been improperly transferred or exchanged between LVNV and the third-party collectors. 
Whether the change in reporting is an attempt to mislead or obscure the history of this account and prior disputes. 

If LVNV has transferred my personal data without proper authority or failed to protect the accuracy and integrity of the account information, they may have violated the FCRAs provisions on data handling and reporting. 

4. Violation of Consumer Rights LVNVs actions demonstrate a clear pattern of : Failing to validate the debt properly, as required by the FDCPA. 
Ignoring my requests for proof of ownership, leaving the debt unverified. 
Misleading reporting changes that raise questions about the legality of their actions. 
Potentially improper sharing or transfer of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to all three credit bureaus reporting the XXXX XXXX account is paid in full. Transunion just sent me my disputed credit report saying I still owe {$140.00} on this credit card. The correct balance is {$0.00}. I mailed my documents to all three credit bureaus via certified mail at my cost, and they still do not get it correct.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. Transunion, XXXX, and XXXX have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS FROM MY CREDIT REPORT IMMEDIATELY.
Product: Debt collection

I was threatened by XXXX XXXX and Account Adjustment BUR that I would be thrown in jail for not paying this debt that does not belong to me it is owed by XXXX XXXX who used my personal information fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> AND XX/XX/year>. 
to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Constantly lied and said they never received my FTC report after submitted it four times in the CFPB PORTAL. They have violated 15 U.S. CODE 1681c-2 blocking access Deletion of these fraudulent accounts. They hung up in my face XXXX  times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! They have been noncompliance under 15 U.S.C code 1681n 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681c-2 ( a ) : Requires credit bureaus to block fraudulent information from my credit report when I provide proof of identity theft. 

Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX for damages, willingness for non-compliance. Plus XXXX other violations. They are holding these fraudulent accounts under my name after I already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL XXXX XXXX  CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT 15 U.S.C CODE 1681n suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I was hired on with a company as a credit partner. I signed the contract they provided and began raising funds per my contractual obligations. In XXXX XXXX XXXX XXXX XXXX, XXXX wire transferred a total of {$52000.00} to the company 's business checking account at PNC Bank. The funds raised were supposed to be used for commercial real estate inventing. Per the contract, the company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX commission for the use of my excellent credit as well as service the debts I incurred. In XXXX XXXX XXXX the company, XXXXXXXX XXXX XXXX stopped paying me and left me with all the debt. Since all this has happened, I have retained an attorney and we have sued the company for the money they owe me, including the {$52000.00} wired to PNC Bank. I have reached out to PNC Bank and after they provided us with a DVD of the checking accounts related to this company, I have located the wire transfers and after presenting PNC bank with this information, they told me there was nothing I could do about it as the accounts were closed. I do not believe that. There was fraud involved and very soon we will be filing for a summary judgment proving I was defrauded and the wires should be refunded to me. I have attached the lawsuit petition I have as well as the police report and FTC complaint I have filed related to this situation.
Product: Credit reporting or other personal consumer reports

I receive an email on XX/XX/XXXX about a hard inquiry hitting my credit report that I did not authorize and I would like for that to get remove.
Product: Checking or savings account

MAJOR SECURITY BREACH by BMO Harris Bank- received my IRA statement Form 5498 along, with my statement was another individuals statement with last 4 of the soc sec # and account balances and account numbers, Home address. Upon contacting BMO Harris on X/XX/17,  concerned about Identity theft they had no process in place or what appeared to be a plan. Asked me to shred the other person documents, and that they were sending out a new statement with the corrected info. They offered credit bureau monitoring. No mention of identity theft protection which is what would be needed in this scenario, XXXX accounts impacted, this is worth a visit from the CFPB to the BMO Harris and some government fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are reporting inaccurate information on CITI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XXXX. Chex Systems shows a non-sufficient activity report from XXXX XXXX XXXX  that I have an unpaid balance of {$130.00}. 

XXXX. XXXX XXXX  denied my application to open a CD account based on this report.

2.This is not my account nor have I ever lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. This was my mother 's account who lived at that address. 

XXXX. After my mother ( XXXX XXXX ) became XXXX with XXXX, I administered payment and reimbursements of : medical expenses, assisted living expenses, geriatric care fees, and other living and personal expenses. This was funded by my mother 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that went into the account. 

XXXX. After my mother 's death on XX/XX/year>, XXXX XXXX  stopped. The account ceased to have a source of funds*. (. XXXX XXXX XXXX  continued to process account fees and other debits after the account funds were exhausted while tacking on NSF fees. 

XXXX. This adverse report from an account which is not mine has unfairly caused me to be denied services from a financial institution despite my XXXX XXXX XXXX. 


*Her house was sold on XXXX with all proceeds used to pay medical, assisted living, geriatric care, and other living and personal expenses
Product: Credit card

I reported multiple persistent fraudulentactivitieson XX/XX/XXXX, XXXX, XXXX, XXXX of XXXX, even after continuously cancelling credit cards. I suspected someone somehow got a hold of my credit card information online since I did not lose my card. I begged for Citi employees to delete all my digital wallet connections, and once one employee finally listened to my pleas, the fraudulent charges stopped. 

Unfortunately, the dispute process has not gone the way it should. While Citi credited most of the fraudulent charges, Citi is saying that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my responsibility, even though other multiple fraudulent XXXX charges have been reimbursed. This doesn't make any logical sense ; if you look at it carefully, I was charged XXXX XXXX+ foreign transaction fees. It's clearly a fraudulentcharge, as I have never been to the XXXX. And yet, Citi somehow states that I am responsible, when other XXXX charges aren't. 

Additionally, they are struggling to credit the fraudulent XXXX charge on XX/XX/XXXX ( disputed on XX/XX/XXXX ) as well for {$51.00}.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing records as required, even after I provided a copy of the FTC report. In accordance with regulation 605b of the FCRA, I am submitting this complaint to help establish a legal response. If you do not remove the following items listed below, which are inaccurately reported due to fraud, I will hand my documents over to my attorney to initiate legal action. It is my intention to avoid pursuing any legal action, so please comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institutioXXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Product: Mortgage

I dropped off my XX/XX/XXXX mortgage payment on XX/XX/year>. My partner received a phone call at XXXX later that day informing me that they had received my check, but would not process it until XX/XX/XXXX as they felt the check was post dated. This seemed off as XX/XX/XXXX is a Sunday, but maybe they have changed their operational hours? I can provide canceled checks going back to the beginning of this servicing showing my postdated checks have been accepted and processed the day they are received. This is clearly retaliation for a negative review I recently submitted after dropping off a car payment mid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factortrust occurred on XXXX XXXX and XXXX XXXX. I got two inquiries that needs to be removed immediately ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$410.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have never, not now nor in the past, had a credit card with either XXXX or XXXX. These accounts are being reporting in error and need to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.