23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a collection notice from this company saying I owe XXXX  XXXX for a mobile bill that I never had.I was part of a security breach my information was leaked
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this information several times with XXXX  and the Auto Lender. XXXX  will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that XXXX  didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.
Product: Mortgage

Shellpoint delivered personal and confidential documents by mail and by messenger to a renter at our home and told our renter that Shellpoint was unable to find or locate XXXX XXXX regarding a delinquent mortgage. The billing address for this mortgage is Pennsylvania. They never once made a call to us prior to sending messenger or certified threatening letters. They took double payments from my checking account on XXXX, which I thought covered XXXX and XXXX payments. 

They violated confidentiality laws and my rights by speaking and handing docs to someone other than me.
Product: Debt collection

I had a secured card. The limit on the card was {$400.00}. It is impossible for me to owe the amount of debt that they are attempting to collect. It is fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said accts  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 an account without written instructions. 15 u.s.c 1681 c. ( 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 7 years. 15 u.s.c 1681 S-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 accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Debt collection

I received a phone call on XX/XX/XXXX regarding a debt owed to them ( Portfolio Recovery Associates , LLC ). This 3rd party debt collector informed me they purchased the debt in XXXX. In the state of Arkansas, the statue is 5 years to collect on a contract credit card. It's XXXX.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by XXXX XXXX XXXX I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that XXXX XXXX XXXXXXXX is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXXXXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Foris DAX Inc. Unfortunately, as of the date of this complaint, XXXX XXXX XXXXXXXX  has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, XXXX XXXX XXXX failed to provide the required information about the XXXX  hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doingXXXX XXXX XXXX XXXX does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from XXXX XXXX XXXX represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Debt collection

I had originally purchased a set of bar chairs for my kitchen from ROOMS TO GO ( Creditor : SYNCHRONY FINANCIAL ). At the time of purchase I was told that they only had XXXX in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had XXXX of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that Rooms To Go failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency XXXX without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from XXXX and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections. We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
Product: Debt collection

I have submitted  XXXX  complaints about this company to the CFPB and they have yet to respond. I am concerned because not only is this reporting negative on my credit, but now they have went as far as contacting my family and my employer. This company and its representative are out of hand, they have called me from (  XXXX  )  XXXX ,  (   XXXX   )   XXXX , and various other numbers. This needs to be immediately deleted from my credit report and harassing called stopped!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XX/XX/2022 :
Product: Money transfer, virtual currency, or money service

A PERSON CALLED ME AND TOOK CONTROL OF MY COMPUTER LATER ON I FOUND THAT XXXX $ HAS BEEN TRANSFERRED FROM MY PAYPAL ACCOUNT TO A PERSON NAME XXXX XXXX.I WANT TO FILE CASE AGAINST THIS PERSON AND STRICT ACTION BE TAKEN AGAINST HIM WITH IMMEDIATE AFFECT. 

XXXX XXXX IS A SCAMMER.BEWARE PEOPLE
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$37.00}
Product: Credit reporting or other personal consumer reports

Dispute Department : TRANSUNION LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Additionally, I would like to point out that XXXX has correctly deleted the XXXX XXXX XXXX XXXX account from my credit report following my request for verification and removal of unverified information. This further underscores your ongoing and negligent failure to remove the same account from my file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681s-2 ( b ), credit reporting agencies and data furnishers are required to correct or delete inaccurate or unverifiable information, as XXXX has done. I expect you to take the necessary corrective actions immediately to avoid further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following laws have been violated by Experian : - 15 USC 1681a - Requirements relating to information contained in consumer reports- 15 USC 1681b - Permissible purposes of consumer reports- 15 USC 1666 - Reasonable procedures to assure maximum possible accuracy of consumer reports- 15 USC 1681q - Obtaining Information Under False Pretenses - 15 USC 1681n - Civil liability for willful violations of fair credit reporting Among the errors identified in my credit report are wrong personal information, falsified account status and incomplete payment histories. As a result of these inaccuracies, my creditworthiness has been impacted, preventing me from obtaining credit at the most favorable terms and possibly subjecting me to additional expenses, such as higher interest rates and fees.
Product: Debt collection

On XX/XX/XXXX, I received a new notification from XXXX that a new collection was just added to my report. When I researched this information, I found out that Professional Debt Mediation had a collection account on my credit for XXXX XXXX XXXX XXXX in the amount of {$740.00}. It indicates that the account had been opened on XX/XX/XXXX. 

The problem I have with this company is that they violated my rights as a consumer by not providing written or in person documentation of this debt before placing it on my credit report. I did not receive any notification about this debt ; meaning it was not verified. I never received any written documentation from this company about this alleged debt. I do not believe this company even has my address on file. 
They did not follow the Fair Credit Reporting Act policies on how to notify a consumer of a possible debt they may owe. I have no knowledge of this alleged debt nor do I believe it is my debt. They have failed to do a proper notification and validation of this debt, therefore, it needs to be removed immediately from my credit report. And this company needs to follow the Fair Debt Collection Practices Act and FCRA policies on how to pursue/validate a debt. 
PLEASE BE AWARE THAT THIS COMPANY DOES NOT HAVE ANY OF MY CONTACT INFO UNTIL NOW DUE TO THIS FORMAL COMPLAINT.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against XXXX, XXXX, and Equifax for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans. 

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts. 

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible. 

Thank you for your attention to this matter. 

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

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

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX I XXXX XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I 've been struggling with spotloan making payments .I 've already paid the amount. They want 3 times the amount borrowed. Predatory lending is illegal in Ga. The balance is n't going down.I ca n't afford to pay 3 times the amount borrowed. It 's ridiculous.
Product: Credit reporting

There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan was once in foreclosure and that that it should reflect in the history. However in the current status the loan shows as foreclosure on Experian. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency Experian and they refuse to acknowledge their error in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. 

There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b.

It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports.

As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report.

Thank you for your attention and cooperation, in resolving this matter efficiently.

Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. 

( XXXX ) EXCLUSIONS. With the exception outlined in paragraph ( XXXX ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681.

Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 

XXXX. Defamation of Character 2. Negligent Enablement of Identity Fraud XXXX. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g XXXX. Willful noncompliance with Fair Credit Reporting Act outlined in XXXX XXXX XXXX. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/2022 & XXXX XXXX 60 days late. 

XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. 

Equifax : XXXX XXXX 30 days late and XXXX  60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my XXXX XXXX consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years. 
A person should not furnish any information relating to a consumer by any consumer sumer ageny