23daVinci/CFPB_Complaints huggingface dataset:
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. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Information XXXX XXXX  - IncorrectPersonalEmployers XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXXXXXX XXXX XXXXXXXX - Incorrect Names
Product: Credit reporting

I have been reaching out to Trans Union for years. The most recent are inaccuracies which could result in me having to remain renting a room for $ XXXX/month and not getting accepted in a house or apartment. I am frankly tired of disputing and that Trans Union is not properly showing my payment history. A letter is provided accordingly in addition to the inaccurate report. My score has plummeted XXXX points because of their faulty reporting and defaming my name.
Product: Credit reporting or other personal consumer reports

I am concerned that these hard inquiries negatively impact my credit score, and I believe they were made without my full consent or knowledge. To my best understanding, these inquiries were not initiated by me, nor did I grant explicit permission for creditor to access my credit report. 

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 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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Checking or savings account

XX/XX/2021. I checked my account and noticed XXXX was in my XXXX XXXX account that was joined I immediately transferred XXXX to my checking and locked my card because that's all I was able to savage at that moment. I checked my savings account and it was depleted to XXXX cents.I called the bank in a XXXX. Me and my XXXX rushed to the bank and found out that all of my savings was withdrawn XX/XX/XXXX, XXXXunathorized and XXXX was XXXX  to a unknown person account at XXXX XXXX XXXX XXXX also unauthorized. We made the report at the bank that day and I we was very confused to find out fraud was still going on because the bank never closed the account XX/XX/XXXX. When we reported the fraudulent activity so the perpetrator was still committing fraud with XXXX  and XXXX XXXX I went back to the back to the bank finally close our accounts XX/XX/2021. I made several reports to get my money back but was not successful. My claims was denied four times for the XXXX dollars that was XXXX. The bank stated after reviewing all relevant internal records and information that I provided, they have concluded that there are elements of my claim that lack credibility and they believe that the transactions that compromised my claim must be considered authorized and they are unable to honor it. I made another report and another report proclaiming that all transactions that I reported was unauthorized and fraudulent but the bank continues to deny my claims. Please help me this was my money that I took out of my XXXX to buy a house so I would like all my money back thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX Sear, Dear Sir/ Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account number # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purposes expressly allowed by law ( such as notification of legal actions or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX. The account status is wrong. Now, I want you to delete this misinformation on my file : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I have filed multiple complaints against XXXX XXXX and Experian credit reporting services and disputed the information that constantly being sent by XXXX  XXXX and Experian continues to report false information to the credit bureau and negatively impacted my credit score after I submitted all information verification that I never opened this account and the account was opened fraudulently the account had a opening amount of {$100.00} and the account was charged {$1000.00} and immediately closed due to fraudulent activity I have been harassed threatened and after I requested the information pertaining to this account I was denied because the account was opened online using my social security number and birthday with no proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with TransUnion in regards to a company by the name XXXX, This company claims an debt amount of {$1700.00} is owed to them. I have NEVER heard of this company, and I do not have any signed agreements or contracts with this company. After a investigation by credit bureau TransUnion has deemed this debt as verified. TransUnion has not provided me with the supporting documentation that would support their decision, I believe they conducted a improper and incomplete investigation.
Product: Debt collection

NCA has erroneously reported this debt and responded to my initial CFPB complaint falsely. NCA originally stated in their response back to my CFPB complaint. NCA submitted a contract from XXXX that was falsely typed. Theres no signature of mine and theres no date. NCA stated that I had a XXXX XXXX XXXX and I lived in XXXX Arizona in XXXX  that was very misleading. I never lived in XXXX Arizona in XXXX when I took out this debt, this was the title loan that I took out on a XXXX XXXX XXXX. And at the time I took out the title loan in XXXX I resided in XXXX Arizona in which I owned my home I filed bankruptcy in the same year of XXXX enlisted my XXXX XXXX XXXX. Therefore this debt is over 10 years old, as well as NCA purchased old paper did not do their due diligence. This is the second time I am disputing this debt, but this time Ive taken it a step further, I have sent over the complaint as well as all the documentation that I have sent to CFPB as well as that contract that CA submitted to CFPB, which shows no date no signature. NCA, you are a debt purchasing company, but you are doing consumers a disservice by not doing your due diligence and checking to make sure these balances and the statue of limitations has not ran out on these debts but instead of that, youre holding strong to me owing you {$1000.00} and which I will never pay due to the fact of the age of this debt this is a clear violation of FCRA as well as FDCPA. I will continue to fight this to the nail until my credit report has been updated and this debt is no longer showing up as a valid debt. I want NCA to provide me the original contract that I signed at XXXX back in XXXX. This complaint will also be sent over to the attorney general office in Arizona as well.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Please remove Late payment! ( Account info down below ) Account XXXX XXXX XXXXXXXX Creditor / XXXX XXXX XXXX XXXXXXXX XXXX/ {$5000.00} Payment status / 30 days late Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The item above should all be updated to paid as agreed on my consumer report. 

As a consumer by law these accounts on this letter must be updated to positive immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is the most dishonest company I have ever found myself mixed up in. They are continuing to violate FCRA standards by reporting a dissolved account. 
The involuntary repossession took place over XXXX ( XXXX ) years and they continue to renew.
Product: Credit reporting

Despite several attempts and communications to Equifax by certified mail, they are still reporting a negative Public Record on my credit file. XXXX and XXXX have both deleted all Public Records that were filed in error from my files. XXXX refuses to do so. The record in question is a State Tax Lien from the State of California. It was filed in error and needs to be deleted. 

Kind Regards, XXXX XXXX XXXX XXXX. 
Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status -- Amount {$7900.00} Classification --
Product: Credit card

I submitted payment on XX/XX/year> To TD card services certified mail. When I contacted them regarding this they just told me theyd look into it The payment was received by a TD card services on XX/XX/XXXX at XXXX. TD has failed to preform on my behalf on my account and has violated laws repeatedly not seeming to be concerned about breaking those under 12 CFR 1016.13 The payment was for {$700.00}. Since then TD card services has kept, lost, misplaced or just totally disregarded my payment, they then parked an exceedingly high balance on my consumer report FURTHER breaking the law violating my right to privacy on top of failing to process my payment to my account. Pursuant UCC 3-306, UCC 3-603 and UCC 3-311. These laws and codes states rules that the company must follow ( WHICH THEY DO NOT ) these codes support tender of payment being required to be accepted, and if they receive payment and fail to acknowledge or accept the payment then that debt is discharged.
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Product: Vehicle loan or lease

I had a loan with XXXX XXXX, well now key bank, my car was repossessed in XXXX for 1 week, yet the bank reported that my car was repossessed for 18 months, I traded my car in to a dealership in XXXX of XXXXyet my credit report shows that the car was repossessed and it wasn't for that long.i have contacted key bank and requested for a pay statement summary of my car loan, still waiting to recieve that.
Product: Student loan

Partners Financial Services ( XXXX XXXX XXXX, Missouri XXXX. XXXX ) is showing that I have an open student loan in the amount of XXXX on XX/XX/XXXX. They show I am the cosigner on the loan. However I had a severe XXXX XXXX on XX/XX/XXXX and did n't even wake up until the XX/XX/XXXX then was unable to walk with out assistance and could not speak coherently for 11 days. I do n't have any recollection of agreeing to this or signing for this loan. I first found out about it in XX/XX/XXXX when they reached me on the phone and I told them then that it was n't mine and I had no way of paying it. Again every month after that until XX/XX/XXXX. Help me
Product: Credit reporting

I have disputed my former name, former address and account history with Experian. I even provided them documents to support my claim. They refused to remove inaccurate information from my report. The student loan payment history makes no sense. I pointed this out to them to no avail. this inaccurate information remains on my report. This issue with the payment history has been disputed to no avail with all XXXX major credit reporting agencies. Experian, XXXX, and XXXX. Details in the supporting documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove the fraud alert from Transunion, XXXX, XXXX immediately annul all inaccurate information on my consumer report.s. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, TX XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I am writing you because of Equifax and their online dispute keeps telling me that The information provided does not match their work now I just sent a complaint over about this same matter and once they responded I was able to log in with the same information I was providing prior but I wasnt until I sent a complaint to the CFPB that I was able to log in. So once I logged into my account and got past the security questions it timed out. I typed in the same information and it wouldnt let me get pass the personal information like name, bday, address now I just logged in 10 mins prior With the same information that I tried again and now all of a sudden he say the information provided does not match. Then the second set of security questions are not accurate I provide the answer to the questions and it say it doesnt match now all of a sudden. I would like this issue resolved Due to inaccurate information on my credit report thats damaging my credit. I should be able to submit my dispute online. This is the second time.
Product: Vehicle loan or lease

Paid car loan in Full. Payment was never late. Received title after auto loan was paid. 

Auto loan on credit report is stating charge off from {$760.00} from XXXX to current.
Product: Mortgage

The company has not communicated with me timely nor have they attended to the appraisal appeal I did after the first appraisal. They are price gauging by constantly needing an appraisal that comes up higher than the last appraisal. So far there has been 3 appraisals. I've always managed to get necessary documentation to them in a timely manner ; however they can never seem to perform appropriate actions on their end in a timely manner, thus causing several delays that appear to be done on purpose. It appears that they have been purposely dragging the process out, as conveniently every 120 days they claim to have to do another appraisal, thus causing the cycle to start over and over again. I have sent my birth certificate into them 4 times under every cover that I can use. There isn't a specific point of contact to reach out to and communicate with. It is the proverbial runaround. 

My mother passed on XXXX and I have been trying to buy back her property for the last year to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And NCB MANAGEMENT SERVICES INC XXXX XXXX XXXX XXXX, PA XXXX Pre- Arbitration Demand Notice DateXXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX, I am writing to you as a consumer who has been wronged by the actions of XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC . I firmly believe that XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, resulting in significant harm and damages to me. 

This is a huge violation! How did you verify this Account? This is not even me. My Privacy of information has been breached! 

It is my allegation that XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer both financial harm and emotional distress. Furthermore, they have neglected to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 
I am also aware that the underlying contract contains a binding arbitration agreement mandating that disputes be resolved through arbitration rather than litigation. I am fully committed to enforcing this agreement and pursuing arbitration in accordance with the terms of the contract and applicable law. 
Based on the aforementioned circumstances, I am demanding the sum of {$5000.00} in compensation for the harm and damages endured as a result of XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC wrongful conduct. 

I implore you to take swift action to address this matter, as I firmly believe that prompt resolution is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. I am filing a complaint against you with the CFPB and the XXXX XXXX XXXX. 

Thank you for your attention to this matter, and I anticipate your prompt response. Please be advised that if resolution is not reached within 30 days from the date of this letter, I will proceed with filing a case with XXXX arbitration. 
Sincerely, XXXX XXXX