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

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

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




XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX Va XXXX DATE XXXX.2025 COLLECTION COMPANY NAME Credit Collections THEIR ADDRESS XXXX XXXX XXXX XXXX, MA, XXXX ACCOUNT XXXX ORIGINAL CREDITOR : Subject : Cease and Desist Request for Deletion of Collection Account Dear Credit Collections, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


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

This company is reporting a debt that is categorized as a medical debt regarding a remaining balance from my XXXX. It should not be on my credit report.
Product: Other financial service

I went to annualcreditreport.com to help my step-son get his credit reports. Experian indicated I needed to pay a small fee to obtain some detailed information for him. I used my credit card to pay the small fee. Experian has since, enrolled me in a membership service for {$2100.00} per month. I did not realize this, I did not want the membership. I think they were deceptive in their membership enrollment. I called them and asked for XXXX of the XXXX charges to be reversed. I said I 'd pay for the initial fee since I must have made a mistake and not read their " fine print ''. They canceled the " membership '', but refused to remove the other fee. Luckily for me, I can afford the unnecessary fee ; however, I think there are thousands of people being duped by this practice and then Experian is not willing to refund fees for services no one wants or even realizes they 've signed up for. The supervisor at Experian I spoke with was XXXX and her employee ID is XXXX. I actually work for XXXX and I no longer trust Experian or their business practices. I will work within my company to limit our business dealings with them. Experian is dishonest and has deceptive practices. None of the other XXXX credit bureau agencies attempted to enroll me in a membership I did not want or need.
Product: Credit reporting or other personal consumer reports

Experian, I had file a correction on my balances of my 6 credit cards. It seems as of XXXX XXXX, instead of correcting the account balance, they eliminated my XXXX  XXXX credit account. I have sent to letters and they have decline to correct. If you run my credit report on month before and beging of XXXX but before XXXX XXXX XXXX, will see my XXXX  XXXX account. I call and write to XXXX  XXXX, and they still send my credit info, but they have not corrected. Their way of me repairing is to hire a credit consultant to correct. Highway robbery for their error. All the other bureaus, XXXX and XXXX have my account listed.
Product: Checking or savings account

Regions is not protecting me as a consumer. On XX/XX/22 right before XXXX I deposited 3 money orders totaling {$3200.00} into my personal checking account and was told verbally by and via document by XXXX XXXX the teller that the money would be available the next day ( XX/XX/22 ). I checked my bank account on XX/XX/22 ( today ) and saw that not only was the {$3200.00} not available, but the funds I deposited will not be available until XX/XX/22. I am about to make a large purchase, I need my funds available yesterday.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I placed a limit order of {$2300.00} to buy BTC set at a very low price by typo and hence there is almost no chance for the order to get filled. I wanted to cancel the limit order and place a new one, but Gemini doesn't allow me to cancel the order. I submitted a customer service requests but got no response at all. My money has been trapped there for 9 days as Gemini doesn't allow me to cancel the order or withdraw the money. I have right to get back my money since all my deposits into Gemini have been settled.
Product: Debt collection

Account was never mine. Went in person to see if I can have a line on this mentioned account transfered to my name. they would n't even talk to me at the time because it was n't in my name. therefore the debt it is not mine. The account was originally with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX   and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, WA, XXXX XX/XX/year> ChexSystems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Re : Formal Dispute Regarding Verified Information on My Consumer Report To Whom It May Concern : I am writing in reference to the dispute I filed concerning inaccuracies and unverifiable information in my ChexSystems consumer report. Despite my initial request for a thorough investigation, the items in question have been returned as " verified. '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a reinvestigation and a detailed description of the verification process conducted. 
The disputed items are as follows : 1. All inquiries viewed by others Grounds for Reinvestigation : 1. Failure to Provide Verification Details : Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), ChexSystems is required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information. Please provide : The specific documents and records relied upon in verifying the disputed items.

The identity of the individuals or departments within the financial institutions that conducted the verification. 
2. Potential Violations of FCRA Standards : Unverifiable Information : If the financial institutions can not produce verifiable documentation bearing my signature or other evidence substantiating the disputed items, the information must be deleted immediately.

Failure to Meet Accuracy Standards : Information reported by ChexSystems must be both accurate and substantiated, as required by FCRA 607 ( b ).

3. Proof of Authorization : I request clear evidence of my written authorization permitting the financial institutions to report the disputed information to ChexSystems. Without my explicit consent, the reporting of such data violates FCRA 603 ( d ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX XXXX XXXX requesting a copy of the agreement that I allegedly signed giving them permission to report my information to the credit reporting agencies XXXX, TransUnion, XXXX and XXXX with my signature wet or electronic. I was sent two letters back reflecting both of the accounts that I had with them. XXXX XXXX XXXX responded back with two letters stating that they do NOT keep copies of contracts/ application more than 25 months and electronically which would prove that I did/did not give permission to furnish my information to the credit reporting agencies or agree that I have the right to OPT in or OPT out. I called XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and advised XXXX XXXX XXXX since they were not able to show proof that the alleged original contract between myself and there company exists and that I was not given the legal right to OPT out of having my information furnished to all credit reporting agencies. I am legal given they opportunity to opt in or out of have my information furnished according FCRA. I have demanded on several occasions to delete the two accounts from All credit reporting agencies. They refuse. I have also called XXXX, XXXX, TransUnion, and XXXX to remove the accounts and was met with lies and was hung up on even though I was nice and polite.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine 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 XXXX
Product: Mortgage

Newrez Mortgage force-placed condo hazard insurance after we had provided proof of hazard coverage as indicated on a Certificate of Insurance obtained through XXXX  on XX/XX/XXXX to the online website ( XXXX ) that Newrez provided to us via letter dated XX/XX/XXXX. After document submission we were informed our account would be updated. Newrez noted the condo hazard insurance and began to list the policy under the Taxes and Insurance tab on our online account. However, we received two more letters stating that no proof had been received and on a letter dated XX/XX/XXXX advised us of the l-p insurance and effected monthly charges for coverage beginning XX/XX/XXXX to last until XX/XX/XXXX. On XX/XX/XXXX I inquired through our online account portal why we were being charged for the hazard coverage. I received a totally irrelevant response stating that our loan was owned by Newrez and the requested information from my inquiry would be provided as soon as possible. We have received no additional information. 

Additionally, we had this problem with them in XXXX and after multiple submissions of proof from our condo association insurance broker ( XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ) and three unanswered phone calls from me they removed the f-p insurance. 

We didnt choose this mortgage company ( sold to Newrez ) by our previous mortgage company. This current company has caused us much consternation and we would never recommend them to anyone searching for a mortgage. 

I am including supporting documentation.
Product: Mortgage

In XXXX I took out a reverse mortgage loan for {$44000.00}. I do not speak English and did not understand what I was getting myself into. The balloon payment was due XX/XX/XXXX. I discovered this when the auto payments were no longer being withdrawn from my bank account. When I offered Select Portfolio a payment of the arrears, I was denied. I've been submitting forms to them, making calls, pleading assistance, and no matter how much effort I make to pay them off, they want to take my property from me. Today I received a foreclosure proceedings letter from an attorney. I need help immediately. I am elderly, a Veteran and have XXXX  I am also a widow. My children are doing all they can to help but Select Portfolio keeps shutting the door on all of us. The XXXX XXXXXXXX is stalling on providing me assistance.
Product: Student loan

Nelnet refused to allow me abscess to an account that I am the endorser. The borrower refused to pay the loan. I have no knowledge of his whereabouts. I have been making monthly payments but they will not release any information to me. I am only able to call in and get a summary of the account. I have been asking for ascess for more than 2 years. I have no idea where my money is going.
Product: Credit reporting or other personal consumer reports

The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX  - {$1000.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Tech Credit Union was paid off on last month and account was closed but they are reporting an open account with a {$5000.00} balance.
Product: Credit card or prepaid card

I bought a XXXX  XXXX XXXX with my XXXX credit card thru Syncony  bank and I never received the item made multiple disputes with XXXX and XXXX even sent me a email stating for item not received and its still not removing the purchase!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Account # XXXX Dept of EDXXXX, XXXX XXXX Dept of ED/XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ED/XXXX, # XXXX Dept of Ed/XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My identity was stolen some years back in XXXX I use my married name now because of this reason. 

XXXX XXXX XXXX. Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXX
Product: Mortgage

Ocwen Loan Servicing charged me over {$4000.00} in annual fees by placing forced homeowner insurance policies knowing my XXXX Mortgage loan is paid in full. Recently Ocwen was forced to settle its forced place insurance class action lawsuit. in XXXX Ocwen was able to receive court judgment by using fraud documents to rescind my XXXX Option One Mortgage, and my XXXX XXXX XXXX full reconveyance. Since the fraud judgment was granted I been requesting my XXXX XXXX and XXXX XXXX XXXX statements from Ocwen several times because I was unable to locate my account numbers to get the records, Ocwen always denied my request. Recently Ocwen 's outside counsel, XXXX, agreed to release my bank statements because he knows the statues of limitations has expired and that I will be unable to gather the bank evidence that my loan is paid off. Also, I was recently notified by officials that a insurance policy paid off the pretender lender made up loan in full years ago. Ocwen has committing years of fraud looking for free homes from victims to rip off to gain its wealth. I demand the consumer financial protection bureau involve the DOJ and the FBI into my matter. I need help defending myself again Ocwen criminals. Recently, XXXX XXXX, XXXX, I requested all of my payment history from ocwens counsel XXXX, from XXXX to recent, as of today I still have not received the payments history, including all fees, and all the years of forced placed homeowner policies. I believe Ocwen knows it 's companies a fraud and if they released the information that I 'm entitled to would cause the fraud company harm because they would be caught ripping me off. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX  v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Account XXXX - XXXX I just took a look at my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon complection
Product: Payday loan, title loan, personal loan, or advance loan

Loan has been in dispute since it's discovery on XX/XX/year> because of fraudulent practices of XXXX XXXX XXXX XXXX. BMO Bank was notified of numerous consumer complaints by phone from consumer and requested the loan be put on hold until investigation was concluded and funds returned by XXXX XXXX XXXX XXXX. According to consumers last credit report, dated XX/XX/year>, the loan has increased in the amount of 2 full payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

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 Thank you in advance, XXXX XXXX