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

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Product: Debt collection

I am writing to formally demand that Wakefield & Associates immediately cease all contact with me regarding any alleged debt. Despite multiple requests to be removed from your call list, I continue to receive persistent and harassing calls from your company. This conduct is unacceptable and in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

I am hereby requesting, once again, that you stop all phone calls and any other form of communication with me regarding this matter. If these calls continue, I will have no choice but to take legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me.

This letter serves as formal notice of my request. Failure to comply will result in further action on my part. Please confirm in writing that my contact information has been removed from your system and that no further attempts will be made to contact me regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I was with Lexington Law firm and they didn't help me straight up my credit
Product: Debt collection

I wasn't able to pay on my credit card ( XXXX XXXX XXXX ) bill, as I had lost my job. It then went into collections, and another company started calling my phone at least once a day to retrieve the debt. I had no agreement with this other company, LVNV funding, LLC. They then sent me a date for court. I sent them a letter to validate the debt that I was owed, and did not receive anything within 7 days. In the meantime I did not go to the court date, as I found work and couldn't afford to take the day off, as I was new at the company. I know have a court ordered judgment
Product: Credit reporting or other personal consumer reports

Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 
You referenced a loan balance in your letter derelict letter sent to me previously ( I suppose as your attempt to validate debt? ) when in fact the laws governing the alleged contract clearly state this as a credit sale. No loan has taken place between anyone involved in the alleged agreement. The alleged debtor is not a borrower nor have they been loaned any goods or advanced any money by the alleged creditor. Your reporting is not only deceptively misleading it is also substantially absent requisite conditional verifiability, validity ( as related to document evidence in support of physical proof of truth, correctness, and completeness of claim ), and certifiability ( to Metro 2 Format as example ). Per my state 's applicable reporting and or collection laws and per federal standards similar, no claim derelict may be retained much less reported so REMOVE FROM REPORTING this claim of repossession right now, any furtherance is assumed to be your willful disregard of requisites to report and intentional harassment or even extortion under threat of financial injury ( ies ). The claim ( s ) below noted are unlawful and require deletion today, even here and now so do so immediately
Product: Payday loan, title loan, personal loan, or advance loan

I have fallen behind on my payments with upstart loans due to an illness in the family. Upstart began to work with a debt collection company called indebted and indented sent me emails to help with the payment and to catch up to current status. Indebted gave me a payment arrangement to catch up from a {$700.00} deficit with XXXX payments for {$350.00} for XXXX and XXXX to make the account current. I made a payment of XXXX that arrived on XX/XX/XXXX. However upstart did not credit the account and put my loan in collections. When I question upstart they told me to contact it and when I talked to ended up about the pain arrangement that didn't go through an hour later they canceled my payment arrangement. 

Cfpb was contacted along with the better Business bureau due to the unfair treatment of the arrangement that should have been honored. I received a notice from upstart that they did accept the money for the XXXX from indented but they did not continue the payment arrangement that was agreed with indented wish they should have done due to the fact that they use this debt collection company to help with paying arrangements to make accounts current. I received an email that told me I need to have XXXX in to make the account current which was not part of the payment arrangement that was originally agreed with indebted and up start. 

I find that it is not fair or right for upstart 's use a debt collation agency to honor a payment arrangement if the and to take the money on behalf of them if the arrangement that was agreed upon wasn't honored at all. It's unethical in a violation of a legal agreement.
Product: Debt collection

RPM, LLC added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! RPM, LLC put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI XXXX of XXXX that they are registered in Michigan which is also against the FDCPA! I request that verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RPM, LLC is unable to provide the above identifying account information, this account must be deleted from all CRAs. RPM, LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to denal ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, SANTANDER CONSUMER USA. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN XXXX. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED SANTANDER CONSUMER USA DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$100.00} on the XXXX XXXX partial account umber XXXX. ( Please see page attached from my credit report. ) Payments are made to XXXX XXXX. ( Please see attached payment record dated XXXX2020 for  reference. ) This payment should have never have gone to XXXX and this account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have  not been successful.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And one more thing according to 15 USC 1681s-2 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

In accordance with the fair credit reporting act my rights have been violated15 U.S. Code 1681a is a section of the Fair Credit Reporting Act ( FCRA ) that defines important terms used throughout the law. This section outlines the meanings of various key terms such as " consumer report, '' " consumer reporting agency, '' " consumer, '' " person, '' and others. These definitions are essential for understanding how the rest of the FCRA applies, especially in terms of credit reporting, access to credit information, and consumer rights. below is the listed 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
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, This account was settled and paid off. It is still showing up as balanced due. XXXX  XXXX employee stated that they will report it paid off and removed from all three credit bureaus. This account was closed back in XXXX  and was removed off my credit back in XXXX. It keep showing up on my report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My New Credit Report doesn't show the FICO score for EQUIFAX
Product: Credit card or prepaid card

I Am Not Liable For This Debt With Self/Lead And Do Not Have A Contract With ( SELF/LEAD ) They Did Not Provide Me With The Original Application As Requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA Potentially Negative potentially negative icon show account button Account NameCBNA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX. 
Called CBNA to report deceptive practice from Best Buy Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with Best Buy Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to Best Buy. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the Best Buy card after I paid off the TV. 

The sales person at Best Buy flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by Best Buy employee.
Product: Money transfer, virtual currency, or money service

I received an email. I didnt open it up. I just XXXX  XXXX. Customer support got XXXX customer support and they said there was a problem with their end. Theyd call me right back. They called me right back. It says XXXX somebody was trying to deduct {$390.00} usually I dont respond, but it was from XXXX and I didnt open up the email. I XXXX  customer support that was a mistake because I didnt get customer support. I got somebody that said they were customer support. They gave me a phone number that was one number off of Coinbase number they got into, my account and drained everything but {$53.00} I cant access my XXXX XXXX  XXXX account therefore anything I cant trust because they have me completely locked out and they just want me to log into XXXX so they can get back into my phone. its not gon na happen Coinbase Has been no help whatsoever. Im going to report them to the XXXX XXXX XXXX as I have contacted them to email by phone even a handwritten letter and I cant get no help. Is it because Im not whale its principal of me its not the money but I had money in Coinbase in bitcoin and it was just starting to make money and I tried to get Coinbase to lock my account but by the time I got to all the hoops, theyve already got the money and were gone in Coinbase hole. Theres no way we can track it, you knew there was a problem. Thats why I couldnt have been able to contact you because youve been hacked and youre not telling the public to the biggest youre not the safest you got ta be logged in to talk to somebody in support if you cant log into your account, you cant talk to Support, thats worthless one to lock all accounts immediately because these speeds of these transactions are so fast to be able to lock your account immediately
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall____ ( i ) promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the information from the results on the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY : 1. XXXX XXXX XXXX  2.XXXX  3.XXXX 4.XXXX  5.XXXX XXXX 6.DPT ED/ XXXX  7.XXXX  XXXX  8. XXXX  9. XXXX XXXX XXXX
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 XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

In 2019 XXXX is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) Date : XXXX XXXX XXXX XXXX  ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you about the missed payments on my LoanDepot mortgage account. I applied for a grant from : https : XXXX ( Louisiana Homeowner 's Assistance Fund administered by the " Louisiana XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX last year XXXX. I was awarded a grant for mortgage payment assistance for people affected by the past XXXX pandemic. The payments began in XX/XX/XXXX, sent electronically to the lender. ( 3 payments ) The grant program informed me through email, that additional money was available from Louisiana state, and I received additional payment assistance. 

Payments started up again around the end of XX/XX/XXXX, beginning of XX/XX/XXXX. Fast forward to XX/XX/XXXX, I checked my LoanDepot online mortgage account, it says past due. It shows the mortgage company actually sending back some of the grant money payments. I called XXXX XXXX XXXX  grant department, and they said they overpaid my mortgage by 3 payments ( {$2500.00} ) Because of a clerical error by the The Louisiana Homeowner Assistance Fund grant program, my account was made past due, without my knowledge, until after the fact. It has also negatively impacted my credit reports and future livelihood. I also had to be hospitalized for a short period of time the week of XX/XX/XXXX. 

Im asking for my credit report profile to be fixed with the credit bureaus and negative items removed. And Im asking for the mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be put to the back of my mortgage loan. I can resume regular payments as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX loan reporting incorrectly on my credit. The account was paid in full and the account is closed .. Its still reporting as open with a balance and I will like it to be updated correctly or deleted from my credit profile due to my rights of fcra.. I will be submitting proof account was paid in full