23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

We processed a payment to our company of XXXX and they said they kept funds for some other account that had a negative balance. This was from Square. We don't have any other square  accounts, yet they are keeping our money. 

During this pandemic, that money is vital for us to stay in business and they are fraudulently keeping our funds
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the sharing of my personal information with the XXXX major credit bureaus and the subsequent verification process. I have repeatedly requested proof of the accuracy of the information being shared and a hard copy of the documents used to authenticate this information. 
I understand that it is important for businesses to have access to accurate information to make informed decisions. However, I also believe that consumers have a right to know what information is being shared about them and to have the opportunity to verify its accuracy. 
I kindly request that you provide me with the following : * A clear explanation of the specific information that has been shared with the XXXX major credit bureaus. 
* A detailed breakdown of the sources from which this information was obtained. 
* A hard copy of any documents used to verify the accuracy of the information. 
I would be grateful if you could address my concerns promptly. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's data breach has released my personal information to unknown parties due to the companies lacking protection of my personal information. I have placed a 90 day fraud alert on my reports, but the company has been unresponsive ( Website down, phone numbers busy or disconnecting ) since I had learned of the company 's loss of my personal data.
Product: Credit reporting or other personal consumer reports

These creditors has violated my rights ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Friday, XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Late Transactions Reporting on Consumer Report To Whom It May Concern, I am writing to address a matter of concern regarding the reporting of my transactions with your company on my consumer report. The specific account in question pertains to the interactions between the consumer, XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( a ) ( 1 ), the term " consumer report '' does not encompass reports that exclusively contain information related to transactions. As such, my transaction history with your company, involving XXXX XXXX, should be excluded from my consumer report. 



In light of the legal provision mentioned above, I kindly request the immediate removal of this transaction from my consumer report, or alternatively, the removal of the item marked as late. It is essential that my consumer report accurately reflects my financial history in accordance with applicable laws. 



I understand that compliance with the FCRA is imperative, and I trust that you will address this matter with the required diligence and promptness. Your cooperation in resolving this discrepancy is greatly appreciated. 



Please provide a written response to confirm the actions taken to rectify this issue. If any additional information or documentation is needed, please do not hesitate to reach out to me at the address provided above. 



Thank you for your attention to this dispute. 



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

XXXX reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 US.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 : ACCOUNT NUMBER ACCOUNT DATE OPENED XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-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 XXXX, so I require you to send me all the documentation to prove that this information is accurate. 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 or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and XXXX per violation.
Product: Credit reporting or other personal consumer reports

This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal and non-verbal pursuant to XXXX XXXX Code XXXX XXXX effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with XXXX XXXX XXXX XXXX and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Product: Debt collection

MOHELA 's director XXXX XXXX and Assistant General Counsel XXXX XXXX ( most probably an Unregistered Foreign Agent ) have repeatedly contacting me demanding payment for an alleged loan they say I owe. I have already sent them USPS Certified letters stating that I am the creditor as per 15 USC 1692 ( A ) ( 4 ) and that I do not have a signed contract with MOHELA. I have never given them my  personal information, much less my social security number. Furthermore, MOHELA does not have a business license and Debt Collector Bond required to do business in Maryland. They are engaging in fraud, exhortation, harassment, mail fraud and I demand them to STOP. 

I filed an Identity Theft Report. I am going to file mail fraud for using the U.S. mail for their illegal debt collection practices under 15 USC 1692 ( E ) ( 1 ).
Product: Vehicle loan or lease

Due to COVI19 i have been struggling to make my loan payment, Wells Fargo Dealer services got COVI monetary help from President and promised to help loan owners like me to put their missed payments at the end of the loan and Wells fargo dealer services has FAILED to do so, they call me to harass me and they have to mail me a statement showing the missed payments added at end of loan, they make XXXX  of dollars every quarter, the COVI relief funds Wells fargo received was for them to help struggling customers. XXXX XXXX loan # XXXX mail me statement at XXXX XXXX XXXX XXXX Fl XXXX and email XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle with a Auto loan from XXXX for the total amount of XXXX per month for 36 months over the course of this loan i had the engine fail on me i had only had the car for two months i had to hire a lawyer to get them to honor the warrantee on the engine past the engine issue it took 6 months for the car to be returned to my ownership after which i have had to take the automobile to a third party mechanic ever since and they chose to charge daily interest making my total payment XXXX a month never informing me of this change just about every operational part has had to be replaced on this automotive device the car was stole from my enclosed garage in a gated community on XX/XX/2017 at this time i had been dealing with identity theft issues to which i had PHI and PII information located within the auto the thieves did not give me the opportunity to gain access to all of my paperwork and data as a direct result of this XXXX now Bridgecrest has stolen my identity I did call my local law enforcement whom referred me to this site to file the complaint as of today 's date this loan is up to date showing they owe me XXXX
Product: Debt collection

They are attempting to collect a debt for {$6500.00} that does not belong to me. I was a victim of identity theft. 
they have not provided me with a validation of debt or any other document proving this is legitimately my debt. 
They are still reporting it to the credit bureaus as a collection.

it is severely affecting my credit score
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account # XXXX Request for 1099-C Form and Removal from Credit File Dear Sir/Madam, I am writing to formally dispute the current balance on my credit bureau files ( Account Number : XXXX ) with Launch Servicing LLC. As stated in my credit file, the account in question originated from an education loan, dated XX/XX/year>, for the original amount of {$9500.00}. However, I have noticed that the balance on the account has been charged off up to {$23000.00}, which I find unclear and unjustified. 
In accordance with 26 U.S. Code 6050P, I am requesting that you issue a 1099-C form for this account. This section of the U.S. Code mandates that a creditor must issue a 1099-C for any debt that has been canceled or discharged in an amount of {$600.00} or more. I understand that this account may have been charged off as a loss, and I would appreciate the timely issuance of this form for tax reporting purposes.

Furthermore, I believe this account may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2. According to the FCRA, a debt that has been discharged, written off, or charged off should no longer appear on the credit file, as it misrepresents the actual status of the debt. Since this account is charged off and written off by your company, I am requesting that it be promptly removed from all three ( 3 ) of my credit reporting files to correct any inaccuracies. 
I expect the immediate removal of this account from all three ( XXXX ) of my credit reporting files to comply with the Fair Credit Reporting Act. I kindly request your prompt attention to this matter and expect a resolution in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I filed a disputed with XXXX  regarding 2 fraudulent collection accounts on my credit report, 1 with Portfolio Recovery and the other with XXXX. I called to check on the status of the report on XX/XX/XXXX and was told the items were still under investigation. I called to check on the status again XX/XX/2019 and was told both items came back verified on XX/XX/XXXX. Magically and investigation had been completed prior to calling but I was told it was still in investigation on XX/XX/XXXX. I asked for an independent investigation showing how the item was verified XX/XX/2019 asking to speak with several supervisors and they ALL said " we don't conduct independent investigations. '' I informed them it is FEDERAL law and they stated they only follow company policy. I again informed them that was illegal as they furnish data and that can be considered defamation and under 609 federal law if the item can't be verified with physical documentation ( i.e. A contract XXXX it must be removed. They proceeded to say " take legal action if you want to. '' These accounts need to be removed immediately!
Product: Credit reporting or other personal consumer reports

Certified mail was received onXX/XX/XXXX-2021 by ( debt collector ) requesting validation of debt. They responded with medical records, a DIRECT violation of HIPAA regulations. 
Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVEF signed a HIPAA form authorizing access to any such medical records
Product: Debt collection

To Whom It May Concern, I have been disputing negative information on my credit reports that I owe Portfolio Recover {$1200.00}. I've sent them several dispute letters asking for Validation of the Debt as well as a copy of an original contract bearing my signature verifying that I owe Portfolio Recovery that debt. I've included dispute letters in this complaint as well as Portfolio Recovery 's Response. They never sent any information requested in the validation request, only an Itemized bill and letter from capital one stating they bought this dept. They are reporting this negative information on my credit report, which has lowered my score, causing harm to me financially. This has caused me to pay higher interest rates for insurance, store credit and denial 's of credit. They have violated the FCRA, FDCPA and the FTC. " As Per the FTC Opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill, a letter stating purchase of a debt or itemized document does not constitute verification. '' Also after I sent the 2nd dispute letter after there response to the 1st dispute, they still didn't verify or validate anything I requested. Their letter described my disputes as subsequent and the matter was closed as far as they were concerned and that they would not be responding back to further request and disputes and sent me a bill, while I'm still disputing this. See Attachments ...

" The Fair Debt Collection Practices Act states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained '' See attachments.

Please review, because I'm sure that they are violating a number of Federal Laws.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX Inquiry : XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 item of information, as appropriate, based on the results of 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.

and according to 15 USC 1681s-2 they are suppose to 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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Product: Mortgage

RE : XXXX XXXX XXXX XXXX Bank of America loan # XXXX. Original mortgage XX/XX/XXXX for {$370000.00} w current principal balance {$300000.00} & Payment Deferral Agreement balance of {$43000.00} modified XX/XX/XXXX. 

On XX/XX/XXXX I was notified by XXXX that Bank of America reported change to my account : " Major Derogatory Account '' modified " Not under a Federal Government Plan ''. My loan is in fact a XXXX XXXX loan and I recently exited a authorized Forberance Plan approved by Bank of America. Please see " Congratulations on successfully completing loan modification agreement dated XX/XX/XXXX. Also find B of A Account Details as of XX/XX/XXXX showing account is current with no past due balance or fees owing, next payment due XX/XX/XXXX. I contacted Bank of America Credit Reporting Department on XX/XX/XXXX requesting they review this negative change to my credit report. B of A agreed to review opening a Case File # XXXX.
Product: Vehicle loan or lease

This is a hard inquiry on my credit report .. clearly it was not me they have me confused with someone similar name or social security number. 
it is reported on my credit as of XXXX
Product: Debt collection

I asked for copy original contract with my wet or electronic signature, copy of the agreement between debt collector and original creditor allowing collection agency to collect debt, contract between myself and collection company stating I owe debt and/ or will pay debt, a copy of payment statements and asked how they obtained my personal information without my consent
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested a redemption of cashback points from my Chase bank account to my XXXX XXXX  checking account. 

External DDA Order # XXXX ) for {$77.00} cash back to your bank account number ending in XXXX was submitted on XX/XX/XXXX. 

and External DDA Order # XXXX ) to your bank account ending in XXXX on XX/XX/XXXX. 

However, I did not receive either values. 

In contact with the chase support, the service was very superficial.