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

I am writing to dispute certain debts that are currently being reported on my credit report and to request validation of these debts, as provided under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter is also in reference to the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reporting of certain debts. These inaccuracies are not only damaging to my credit score but also appear to be willful and persistent violations of the Fair Debt Collection Practices Act by both your agency and the furnishers of this information. 

The XXXX XXXX highlights the importance of accurate and fair credit reporting. In my case, despite providing substantial evidence highlighting errors, the inaccurate and incomplete information continues to be furnished by both your agency and the furnishers. This persistent disregard for the accuracy of credit reporting is alarming and may be in direct violation of the FDCPA. 

I have previously contacted the furnishers and requested the following information to validate the debts and correct the inaccuracies 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 file from the Original Creditor for third-party collections Documentation indicating whether the Furnisher filed an insurance claim or if a XXXX  has been filed License to collect in my state I am attaching copies of the evidence I provided to the furnishers, highlighting the errors and inconsistencies in the reporting. Despite my efforts, the inaccurate information persists on my credit report. 

Under 15 U.S. Code 1692g ( b ), I request that you conduct a thorough investigation into the validity of the debts in question and provide me with the following : Verification and documentation of the debts in question, including any relevant agreements or contracts. 
Proof that the furnishers have XXXX XXXX XXXX XXXX. 
A copy of the Bill of Assignment file from the Original Creditor for third-party collections. 
Documentation indicating whether the Furnisher filed an insurance claim or if a XXXX has been filed. 
Verification of the Furnisher 's license to collect in my state. 
I expect your agency to comply with the FDCPA and conduct a prompt and fair investigation into this matter. Failure to do so may result in legal action, as provided under the FDCPA. I trust that your agency will take this matter seriously and rectify the inaccuracies on my credit report in a timely manner. 

Please provide a written response within XXXX days of receiving this letter, as required by the FDCPA. If you determine that the information is accurate, please provide a detailed explanation of your findings. If you find that the information is indeed inaccurate, I request that you promptly update my credit report accordingly. 

Thank you for your immediate attention to this matter. CREDIT REPORTS BEEN PROVIDED.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX  scam to send credit through XXXX. Created fake XXXX emails. Need Bank of America to reverse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture an account without my written instructions
Product: Money transfer, virtual currency, or money service

The incident have been on XX/XX/year>, And Ive already lodged the formal complaint with the FDIC. As mentioned earlier, I sent money on cash app, which is a digital wallet, service as well as a money transfer company. In their policy that they would help you resolve any accidental transactions. However, in violation of federal law, and FDIC policy, XXXX XXXX  XXXX XXXX And their subsidiary company, Cash App Inc, continue to claim that, despite it being explicitly stated in their policy on their website, there is nothing they are willing to do to help get my money back from where it was sent incorrectly, and continued to lie to me while falsely claiming that federal law doesnt require them to return such fraudulent transfers, despite this being contradicted in their company policy, let alone state and federal legislation which both seem to concur that they need to return the money within XXXX business days. If they are lying to their shareholders and customers, XXXX XXXX  XXXX and its subsidiaries are fraudulently stating they are not a financial institution bound by federal legislation, that alone is just one major federal crime they committed in the name of profitability. Simply put, XXXX XXXX  XXXX XXXX could care less if consumers were protected at all
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor. XXXX XXXX XXXX Please remove all comments including consumer statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and XXXX were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX have 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: Payday loan, title loan, or personal loan

Im a member of Credit Karma. I went to my account and it showed I was preapproved for a personal loan with a company by the name of XXXX. My approval rating was outstanding along with the preapproval. 

I filled out the application, even added my bank information for automatic payments on the loan. I received an email immediately afterwards stating my loan was cancelled and I was denied. 

I immediately got emails from my credit monitoring companies that there was a hard inquiry. My credit suffered another drop immediately. I feel that I was misled by Credit Karma. I am very upset because Im currently trying to rebuild my credit.
Product: Credit card or prepaid card

In XXXX, Chase XXXX made 52  charges after I notified them of fraudulent companies operating illegally. Of these 52 charges, there were 34 Debit Charges totalling XXXX XXXXXXXX CAD minus 18 Credit Refunds totalling XXXX XXXXXXXX giving a total shortfall of exactly XXXX XXXXXXXX CAD. This is a serious calculation/computational error which I have tried relentlessly for the past 5 years since XXXX to explain, notify, and illustrate with all the two year 's worth of statements that they have furnished and kept on records which by law must be up to 7 years. 

I am extremely exhausted and devastated by this XXXX XXXXXXXX CAD loss which I have incurred as a result of Chase XXXX  Bank who so callously, negligently, and stubbornly refuses to believe what I have said, citing that it was my fault that I got into this mess and that they can not be held responsible for their own computation errors. This is unacceptable, unprofessional, and uncalled for. I am a paying customer of Chase XXXX, and I was not only defrauded by 9 investment scam companies but also I WAS ILLEGALLY CHARGED FOR PURCHASES I DID NOT MAKE WITH CHASE XXXX THIS IS ANOTHER FRAUD COMMITTED BY CHASE XXXX THEMSELVES AND IS A CRIME UNDER US PENAL CODE 1341 SECTION 18 PLUS SECTION 380 OF THE CRIMINAL CODE OF XXXX, WHICH CAN CARRY UP TO 14 YEARS IMPRISONMENT IF FOUND GUILTY. I NEED THE HELP OF CFPB TO ORDER CHASE XXXX TO PAY BACK THE ILLEGAL CREDIT CARD CHARGES OR ELSE FACE COURT ACTION. 

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

XX/XX/2019 Shows account by XXXX XXXX that should have never been placed on report. Was PIF through Doctors office XX/XX/2019 and DR office sent to XXXX XXXX to pull information back. Experian needs to remove from report.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, another account still needs to be UPDATED. This account should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed account will be settled XXXX XXXX XXXXXXXX Balance : {$38.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a  609  with   XXXX   on  X/X/17   ,  X/XX/17   , and  X/XX/17   .   Equifax   on on   XXXX   and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17.  Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the  609  law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX
Product: Mortgage

Shellpoint Mortgage Servicing failed to mail me my XXXX for XXXX due by law by XX/XX/XXXX ; this is causing a serious delay in my tax return preparation. 

I call their customer service center multiple times, no one resolves, all say they will email it to me within XXXX hours- never happens. Then they say, the leadership will review it in the morning. 

Calling into the customer service center is a nightmare, because the loan is paid in full, the XXXX will not recognize my phone number or loan number- so you have to keep repeating the XXXX points of verification and the recording keeps saying they don't ' find loan information that meets the information inputted so you have to wait for the recording to say to hold to talk to a representative. 

The wait exceeded the number of minutes the recording says it will take to connect to a person, said XXXX minutes it was XXXX. 

Today, XX/XX/XXXX, the representative literally told me " Putting you on an " extended hold '' when I insisted an escalation to speak to a manager - so I knew he was putting me out into a black hole, and no one would answer - you don't TELL the customer you are going to inflict abuse. 

They tell you to go online but I am blocked because the loan was paid in full last year. 

This is a simple request, also when the XXXX answers, it says Mortgage Tax forms have all been mailed then to press XXXX if you want to make a payment or are calling about XXXX form ; so obviously they know this is an issue and customers are calling for the form.
Product: Credit reporting or other personal consumer reports

The reported late payments are inconsistent with my established payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was alerted that COMENITY CAPITAL/XXXX XXXXhat someone was applying for a new line of credit under my maiden last name. I did not apply for new line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with 3 representatives to include 1 Supervisor from Transunion offline department and spoke with 2 representatives from the online department. I spent 2 hours explaining that I received an erroneous credit alert-the alert stated that I was thirty days delinquent on an account that was paid off in good standing in XXXX the creditors name is XXXX. I spoke with XXXX to verify that I don't have anything outstanding with them, they confirmed that my account was closed in good standing in XXXX I explained all of this information to all the reps at Transunion, Transunion lowered my credit score by 4 points due to the incorrect information and would not allow me to dispute the incorrect information. They proceeded to tell me that they don't see any incorrect data and no one asked me for a copy of my alert no one offered to investigate. I would like to receive a complete refund for their credit monitoring service it is not beneficial I don't know what I'm paying for, this service is supposed to alert consumers of errors etc.. which is does however there is no way to dispute erroneous alerts. I would like this issue fixed and I want a full refund for all the months I've paid for this service.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as Follows : 1. XXXX XXXX XXXX {$1400.00} I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. 
I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed. 
2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately. 
I am attaching all relevant documents, including dispute letters, Experian 's responses, and sup evidence, to this complaint for your review. 
+ Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a debit card in the mail from Chime ( using XXXX XXXX, XXXX. ) which I did not request or sign up for. I called the phone number listed online ( not on the information received in the mail ), demanded the account be cancelled and ensure I would not be held accountable for any activity regarding this account. I'm now taking the time to file my report with the FTC, and Consumer Protection Bureau and review my credit reports at all bureaus. Thank you very much in advance for your support regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close is experian
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously and review the attached file. I have spent an exhausting amount of time trying to correct the errors on my credit report, yet my requests continue to be ignored. This ongoing issue has negatively impacted every aspect of my life, and I have reached my limit.

These inaccuracies are taking a serious toll on my mental well-being, and the financial strain caused by my lowered credit score has made it even harder to seek the help I need.
Product: Credit reporting or other personal consumer reports

Experian bypassed the DMV/BMV requirements while innacurately reporting consumer reports
Product: Debt collection

- [ ] Re :  Acct #  XXXX  To Whom I t May Concern:  XXXX  This letter is regarding account #  XXXX  which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) s ome contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   and  XXXX   XXXX  from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purpos es of 15 USC 1692 et s eq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response , I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to pub lish the description of what  happened? Consent pr ovided This is abou t a ( n ) Debt collection : Other ( i.e. phone, health club, et c. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong a mount DESIRED RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion 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 Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from my XXXX & experian credit reports as soon as possible : XXXX XXXX XXXX : XXXX opened : XX/XX/XXXX amount owed : {$1200.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX amount owed : {$1800.00} XXXX XXXX  : XXXX opened : XX/XX/XXXX amount owed : {$150.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) amount owed {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX ) amount owed {$0.00} Pursuant to USC 8 , I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b. 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Also, if said verified i would like to be sent info on how these accounts were verified & what process was used to verify the info.
Product: Vehicle loan or lease

I acquired a Car Loan through Wells Fargo Bank in XXXX  and completed on XXXX 
I was given a unusually high interest rate, and told this was the best they can do given it was my first car loan. I attempted to refinance many times hoping for a lower interest rate, however again I was told they could not given my credit history. I did not have much debt, or credit cards. 
Because of this I continued to pay my car loan at this high interest rates, plus high late fees throughout this time period.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX to inquire about refinance options, the call was dropped before I could tell them my husband lost his job due to covid and I immediately got an alert from experian that XXXX XXXX pulled our credit and a mortgage application was started without our authorization. I immediately called Mr. XXXX back and filed a complaint, he acknowledged the illegal pull but has failed to fix it. I've called XXXX XXXX 15 times to fix this. I kept being told it will update from university on XX/XX/2021, but it has not!