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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX : {$6.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX, XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ;
Product: Prepaid card

Wo n't help let me withdraw if no money in there i Will make payments plan but refused
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I recently just got off of the phone with a representative in the Equifax dispute department ( XXXX ) named XXXX. The time now is XXXX Eastern. This complaint is about a bankruptcy on my credit file that I have disputed via certified mail on XX/XX/18 asking for physical verification as I am entitled through FCRA Section 609 ( a ) ( 1 ) ( A ), an original consumer contract with my name signed in ink. I am XXXX years old and have had a XXXX credit score recently with Equifax, there are a number of damages this has caused in my life. The company responded to my dispute by sending me a response letter dated XX/XX/18 that mentioned " this account was verified as belonging you to you, '' and also stating that they received this information from XXXX XXXX. I have spoken to the courts, they dont provide information to third parties, and my XXXX XXXX consumer file has been frozen since mid XX/XX/XXXX. I spoke to XXXX XXXX tonight and they assured me that with a frozen consumer file, no third party would have access to any legal information of mine. My complaint is not only did they not provide me with the physical verification as to this account actually belonging to me, but they said they verified through a frozen consumer report. How can that be? I would also like to mention that the Equifax representative hung up on me before I ever told her my name, I called back to verify her name was actually XXXX, which she answered the phone a second time.
Product: Mortgage

We became in default when layed off during covid, then again when hospitalized with covid. Then had a car wreck and out for a long time due to injury. Contacted PHH Mortgage Servicing & tried to apply for mortgage help programs but was rejected for all. All the while PHH ( proven crooks ) kept adding fees ( not late fees ) to mortgage. XXXX XXXX XXXX said they could get better interest rate and use govt programs and help us renegotiate payment amts and get back in control. Sent ALL home files to them ( they even paid shipping, made copies and sent us copies back ), they kept in touch and we made payment to them ( just like when had to file bankruptcy for same added fees and job loss ), we sent them pmts for 6 months or more, then they tried for quite a while to get in touch with them. Never heard ANYTHING WHATSOEVER from Mortgage servicing so figured all was still on track or else we would have received statements of pmts due, but never received one statement from PHH, never received notice of being behind in pmts, then went straight to foreclosure. Completely unfair. They refused to help when behind, even though govt programs existed. Have lived in this home for 25 years. They don't send notices or statements but just right to foreclosure. And tried to get help, company seemed completely legit. PLEASE HELP ME KEEP FAMILY HOME AND MAKE PHH/OCWEN QUIT STEALING AND FRAUDING PEOPLE. Also filing with Tx Attorney General XXXX case XXXX
Product: Money transfer, virtual currency, or money service

My bank is supposed to send my recent transactions to my   XXXX   XXXX   account. But has yet to even contact them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my Experian credit score was XXXX. I have been working on increasing my score every month. NOTHING had changed except some accounts balance decreased and on XX/XX/XXXX I received a message my score dropped XXXX points to XXXX with no reason. And now XX/XX/XXXX IT DROPPED ANOTHER XXXX POINTS. I have lowered all my balances significantly even had an old bankruptcy removed XX/XX/XXXX. All other reporting agencies increased significantly XXXX plus XXXX! and Experian report drops XXXX points. someone needs to investigate this FRAUDULENT activity. 
Like I said everything is on the good, balances decreasing, chapter XXXX removed. NO REASON FOR SCORE TO DROP
Product: Credit reporting or other personal consumer reports

after numerous rounds of me dispute the accuracy of the following accounts being reported on my credit report : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX, you have refused to properly investigate and correct the inaccuracies on these therefore violating numerous of my right. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and credit bureaus are prohibited from repeatedly reporting a charge-off as an ongoing delinquency each month. A charge-off is a one-time event, and continuously reporting it as a new derogatory mark violates my rights by unfairly damaging my credit score. This practice constitutes inaccurate and misleading reporting, which is prohibited under FCRA 1681s-2 ( a ) ( 1 ) ( B ), requiring data furnishers to report accurate information. I am requesting an immediate correction and removal of the repeated charge-offs from my credit report to ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Consumer Date of Birth : ( Private XXXX XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer 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 consist of an Auto loan account Credit Card Accounts and several inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a countless amount of times to get through to the Bureaus that this account " XXXX XXXX XXXX  '' does NOT belong to me. They have claimed to verify it, however ; when I submit supporting detail to prove that I am NOT the rightful owner of this account as well as request their methods of verification they completely ignore my request. I know that it is a direct violation of my consumer rights to report false information but also to ignore a request for methods of verification. 

I am taking my credit very seriously and the severity of the mistakes being made by these companies is getting worse and impacting me by the day! Something needs to be done about this because they show no concern for the legitimacy of my report and they are legally required to do so! 

I have not received a response even after submitting proof on several occasions. XXXX is the only Bureau that did the right thing by removing this unverifiable account. I am still curious to know how the other Bureaus could verify an account if XXXX could not.
Product: Credit card or prepaid card

Bought 2 items and mistakenly used PayPal Credit, which I really didnt know I had. I got bill, & paid with my credit card on XX/XX/2020. I got a second bill stating Online Payment Thank You. It showed payment of {$31.00}. Right below that, it showed a - {$31.00}. I thought they made an error and used the - instead of the +. I kept getting bills charging late fees. I called & was told my card did not go through, & I owed the total bill around {$200.00} now. I sent them a check for the original {$31.00} after checking my credit card. The card had been hacked, & we had to cancel the card I used, & got a new card. Not sure if that happened XX/XX/XXXX or not. PayPal credit never sent me a notice that the card payment didnt go through, & I never got any notice from my bank. Things just got all mixed up. I dont feel I owe all the late fees under the circumstances.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute Account Name/Number : [ XXXXXXXX XXXX XXXX XXXXXXXX ] Nature of Dispute : [ Account number, balance amount, accunt status, date opened, and past due balance and a several more things are all incorrect ] I believe this information is inaccurate for the following reasons : TransUnion has the account number for this creditor reported as XXXX, while Equifax and Experian has it reported as XXXX. 

Enclosed, please find copies of documents supporting my claim. 

Legal Basis for Dispute Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly.

Furthermore, case law has clarified the duties of CRAs in disputes : Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by 15 U.S.C. 1681e ( b ). 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 
Request for Resolution I request that you : Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ). 
Delete or correct any inaccurate or unverifiable information. 
Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information.

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

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

I have a Capital One Credit Card. 
I paid off the entire balance on the card in the last billing cycle. They still charged my account interest on the XXXX ( XXXX balance ). I have called the company and talked and waited on the phone for about 55 minutes without any solution. The company neither took interest charges nor took the late fee off. The interest charged was {$24.00} and the late fee charged next month was {$24.00}. 
They are not suppose to charge interest if the amount is paid in full and no balance is carried after the due date.
Product: Student loan

Navient has failed to perform its core duties in the servicing of student loans, violating Federal consumer financial laws as well as the trust that borrowers placed in the company. Most federal student borrowers have a right under federal law to set their monthly student loan payment as a share of their income, an arrangement that can offer borrowers extendedpayment relief and other significant benefits. Navient systematically deterred numerous borrowers from obtaining access to some or all of the benefits and protections associated with these plans. Despite assuring borrowers that it would help them find the right repayment option for their circumstances, Navient steered these borrowers experiencing financial hardship that was not short-term or temporary into costly payment relief designed for borrowers experiencing short-term financial problems, before or instead of affordable long-term repayment options that were more beneficial to them in light of their financial situation.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a XXXXederally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX 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 distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

On XXXX I disputed a {$1600.00} I requested that the debt be validated in that request.
Product: Mortgage

I started a VA refinance loan. The agent XXXX XXXX XXXX XXXX told me to complete an appraisal the same day I started an application. After sending to the actuary, the agent informed me I would need to complete a conventional loan. After purchasing the appraisal, the appraisal company informed me an appraisal was not needed and if I purchased, it would be refunded at closing. I contacted the Cardinal ( from whom I purchased the appraisal ) and they informed me it would be refunded pending " project manager approval ''. The project manager is the supervisor of the agent XXXX named XXXX XXXX. 1 ) XXXX and Cardinal violated Equal Credit Opportunity Act, Reg B by failing to provide a copy of the appraisal. 2 XXXX XXXX and Cardinal also violated Truth in Lending Act, Reg Z by failing to disclose costs ahead of making changes to terms. 3 XXXX XXXX and Cardinal further violated Truth in Lending Act, Reg Z by failing to inform in a timely manner the type of loan and costs associated. 4 ) XXXX violated the Real Estate Settlement Procedures Act through the use of a kickback by allowing the borrow to prematurely purchase an appraisal, fully knowing Cardinal will not release funds without a supervisor 's approval.