23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

SO I recently set up a pay pal account for the first time I have never used PayPal ever in my life because there is so much XXXX profiling in banking among XXXX.i am XXXX yrs old. they text me told me they limited my account but I dont never use it, I haven't used it for XXXX yrs, and because of this i will not use it. I am halfway through my life as a XXXX person so it's alright if I never use it, and XXXX people get tired XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX 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  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Bal. Owned : XXXX XXXX XXXX Bal. Owned : XXXX XXXX XXXX XXXX XXXX. Owned : XXXX XXXX XXXX XXXX XXXX. Owned : XXXX XXXX XXXX Bal. Owned : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bal. Owned : XXXX XXXX XXXX XXXX XXXX  Bal. Owned : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than XXXX XXXX days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original amount I owed was XXXX then macys sent a report to the credit company stating I owed them XXXX they charged me an extra XXXX Ive paid a total of the amount I owed now they keep raising the fee even though they closed the account in XXXX they are still charging me on a closed account that Ive already paid in full
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXXXXXX 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

o Whom This May Concern : I am writing this letter to dispute the following inaccurate information in my credit report, I am disputing any and all debts. I am requesting that the following items be removed from my credit report immediately! Im also revoking all rights of communication between myself and the collection agencies whether by mail, text, phone calls or email. I request debt validation and the purchase agreements of the collection agencies and the original creditor. I would also like written proof that they are licensed and bonded. 

The collection agencies have violated the following consumer law 12 CRF 1006.34 ( b ) ( s ) but placed a collection in my consumer report. 

You have not given me a chance to dispute account according to 12 CRF 1006.34 ( c ) ( 4 ) ( i ) The collection agencies are violating my consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agencies have no authority to furnish any accounts to a consumer reporting agency without providing any and all disclosures required by law and they are in a clear violation of 12 CFR 1006.34 ( d ) and15 USC 1681-S2 ( 7 ) ( A ) These are the following accounts CAPITALONE
Product: Student loan

I have XXXX private student loans through Navient for XXXX. One I borrowed {$9600.00} and it has a balance of {$39000.00} and the second I borrowed {$7400.00} with {$27000.00}. Both loans have a XXXX %. I contacted Navient in XXXX to get my loans consolidated and was told I was not eligible. I proceeded to explain that I wasnt able to make a $ XXXX payment. I entered into a payment plan that reduced my payment to {$380.00} and made XXXX auto-payments one for XXXX and another for XXXX. I had requested that my payment due date be moved to the first of the month therefore I had to make the XXXX payment on XX/XX/XXXX when I set up the payment plan and the auto pay and then another one in XXXX which I did. They assessed a late fee on both accounts with no explanation. I called on XX/XX/XXXX to inquire about the reason for the late fee and was told they would be waived. I checked my account on XX/XX/XXXX and it still wasnt removed. I called back on XX/XX/XXXX and was told again that they were reversed which they are still on my account as of today. I also received an email while I was in the phone saying that my rate reduction plan was cancelled. Again with no explanation other than system error. They were going to revert my payment back to the $ XXXX. They put me on a different plan. I also requested a school misconduct application for the loans as they are to XXXX and my federal loans are in the process of being forgiven for that school. I was told it was requested. I asked last week the status and was told it was never requested. I inquired yesterday to the original rep that I spoke to and was told it was never done and my account is still not showing that it was requested. I asked to speak to a supervisor and was told they were having computer issues and they would call me back. That was at XXXX yesterday and I am still waiting for the call. This is absolutely the worst company to do business with. I borrowed {$17000.00} and now owe {$66000.00} for a subpar education. I just got out of bankruptcy trying to better myself and trying to pay my debt but I am on the phone with them several times and they revert the payment back. I need help getting to the bottom of this. Thank you
Product: Vehicle loan or lease

This account is inaccurate with Santander Consumer USA. I have a charge off on my account but they are inaccurately reporting on my credit with a XXXX XXXX  balance. The account was {$14000.00} before the vehicle was sold at auction. It was sold for {$11000.00} back in XX/XX/year>. I asked for proof of sales and all transactions of this account on XXXX XXXX. Employee stated that yes it shows that my account is closed and charged off on their end, and that they will send me copies for verification. I ask that these inaccuracies be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested XXXX of the bureaus to correctly display a credit card and they have informed me that I need to contact the creditor as I have and they have assured me they are correct and reported the information
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My account with Conn 's is due on the XXXX of the month. I am paid bi-weekly and sometimes I am unable to pay until the XXXX-XXXX of the month. Conn 's begins calling the morning of the XXXX and charges a late fee on top of that if I do not pay exactly on the XXXX. Today they called 10 times regarding the account. Today is the XXXX, it is supposedly 3 days late! Ten times in one day. This is harrassment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Debt collection

Portfolio Recovery Associates is trying to pressure to collect on a debt from XXXX  that his been discharged by the original debtor XXXX XXXX ( proof was provided by PRA that it has already been written off ) -they can not produce the documents to list/prove these are my debts and have sent me countless emails, calls and are currently taking me to court with an inflated amount that appears no where near the original credit limit I had with XXXX XXXXXXXX.
Product: Mortgage

XXXXXXXX XXXX of NOVA Home loans is running this ad. It 's steering. Any house is eligible for a {$0.00} down through Home plus program or Home in XXXX. He is steering people to that particular website saying that all those homes are eligible for {$0.00} down which is a lie.
Product: Debt collection

I have received repeated phone calls multiple times per day from this company. When I accept the call, no one speaks and they end the call. 

This has happened on the following dates at the following times : XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX I feel harassed at this point with the constant calling and hang ups. According to 15 USC 1692d under Harassment or Abuse, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Subsection 5 specifically states causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Mortgage

The loan officer talked to fast and didn't explain details of the loan very well. I went to go sign the closing documents and it wasnt until then I found out I was getting two mortgages placed on my home ; both are adjustable mortgages ; a first and a second with a higher interest rate. None of this was explained to me, I had no idea this was what I applied forI asked the notary why I had to sign another deed of trustThe notary had to explain I was signing two deeds of trust because one is a first mortgage and the other deed of trust was for a second mortgage, she asked me if I wanted to cancel the signing and or call my loan officer and I told her no that I needed the money.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Debt collection

I received a notice from The Advantage Group, a collection agency attempting to collecting an outstanding medical debt on behalf of XXXX XXXX XXXX XXXX XXXX from XXXX. Their letter requested that I remit {$4200.00} to their office to avoid further collection action. I know I have an outstanding balance with XXXX XXXX XXXX XXXX XXXX, but the amount I owe them is {$1900.00}, which is confirmed in a final statement from XX/XX/XXXX. 
I sent an email to this company on XX/XX/XXXX, and mailed them the debt dispute template letter from this site on XX/XX/XXXX ; however, I have yet to receive a reply of any kind.
Product: Credit reporting or other personal consumer reports

In my letter, I detailed several violations of the Fair Credit Reporting Act ( FCRA ) and related regulations that have negatively impacted my credit report. Heres what happened : Willful Noncompliance ( FCRA 616 ) : Credit information about me was accepted and reported without proper verification of its accuracy, violating FCRA standards and exposing the entities involved to potential civil liability.

Failure to Disclose Consumer Rights ( FCRA 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of personal information sharing, which is a clear violation of my consumer rights under the FCRA. 

Inaccurate Reporting ( FCRA 623 ( a ) ( 3 ) ) : Creditors and reporting agencies furnished unverified and inaccurate accounts and inquiries on my report, failing to meet the standards for accuracy and transparency required by law.

Debt Collection Violations ( 15 U.S. Code 1692g ) : Alleged debts were reported without proper validation. No original applications, contracts, or notarized documentation of authority to collect were provided, despite my explicit request for validation under the law.

Unauthorized Hard Inquiries ( FCRA 1681b ( a ) ( 2 ) ) : Hard inquiries appeared on my credit report without my authorization, violating FCRAs permissible purpose requirements for accessing consumer reports. 

Harassment and Misrepresentation : Debt collectors improperly contacted third parties and disclosed alleged debt information, causing undue stress and violating my rights. 

Incorrect Personal Information : My credit report includes inaccurate addresses and personal details that need to be corrected immediately. 

These issues have caused me significant harm, including financial stress, reputational damage, and emotional distress. I have demanded that all inaccuracies, unauthorized inquiries, and unverifiable debts be removed from my credit report. Furthermore, I expect full compliance with the FCRA and a timely resolution of these matters. If my demands are not met, I am prepared to take legal action to protect my rights.
Product: Debt collection

Incorrect debt reporting by Bremer bank on my credit report and banking history. 
In XXXX Bremer Bank accidentally deposited approximately {$2000.00} into my account. I was unaware it was a mistake by Bremer bank and, like any reasonable teenager I, assumed the funds were mine and used them. A few weeks later, Bremer Bank informed me that the deposit was an error on their end and that I was responsible for repaying the amount. They charged me for the full amount plus late fees without offering sufficient time or options to address the issue and quickly sent my account to collections for {$2500.00} Despite this, I paid off the debt in full. Now, XXXX years later, I discovered that Bremer Bank is still inaccurately reporting this debt as unpaid, which is impacting my credit report. This error has resulted in my being declined by multiple financial institutions and has caused significant damage to my credit standing. 

I have attempted to resolve this directly with Bremer Bank, but they claim the debt does show up as taken care of but its unpaid in their system, even though its still affecting my credit. This inaccurate reporting is not only unfair but also misleading and has caused me ongoing financial distress. 

I am requesting the CFPBs intervention to ensure Bremer Bank corrects my credit report and that this erroneous debt record is fully removed. I also believe Bremer Bank should be held accountable for the undue harm this has caused to my financial reputation.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX XXXXXXXX, Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under Florissant, Missouri, state laws.

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I had a collections account with Portfolio Recovery of {$1200.00}. I called them in XX/XX/XXXX and we came up with a settlement offer of {$850.00}. They said if I paid the {$850.00} by XX/XX/XXXX through their online portal, my collections with them would be settled in full. I tried to have them send me a letter stating this information and they said they would not that the conversation was on a recorded line and they would mark the debt as settled on my credit report once I paid. 

I paid the {$850.00} on XX/XX/XXXX and they still are showing that I owe {$430.00} on my credit report and the collections is still active. I have tried disputing it with XXXX and Portfolio Recovery closed the dispute with the reason being " Customer Disagrees ''. I called them and told them I need this to show settled on my credit report and they said they were going to change it and my account appears to be settled on their end. 

We are now in XX/XX/XXXX and this is still showing up as an active collection on my account. I need this collections removed from my credit report ASAP. This company has been lying to me for the past two months and basically made me pay the settlement amount we agreed upon, but are still reporting I owe them more when I do not. 

Please make them send you the recorded phone conversation so you can here them agree to the settlement of {$850.00}