23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. XX/XX/2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all three credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least XXXX time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR
Product: Debt collection

I received a notification from XXXX XXXX ( XXXX ) of a collections on my credit report from XXXX  ( Sequium Asset Solutions , LLC ). I am only aware of 2 accounts that I have had for the past few years : Auto Finance XXXX XXXX XXXX XXXX-closed ) and XXXX XXXX XXXX XXXX ( Open- Good standing ). I am not sure why they had this placed on my credit report. If, I did owe on this account why didnt someone get in contact with me via mail, phone or email before it went to collections. I have had issues with XXXX i the past and placed coplaints on XXXX ( complaint ID- XXXX ) and XXXX ( complaint ID- XXXX ). I am not sure if these are related to the issue at hand since its XXXX. I need some final resolution to this problem with XXXX completely and want this collections off my credit report. I will also be sending letters the Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX keeps calling me, my husband, my husband 's ex-wife and my place of employment to collect a debt from Old Navy that I went through credit consolidation for in 2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the vehicle XX/XX/XXXX financed with XXXX XXXX XXXX. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. XXXX XXXX XXXX was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several  times without any response. XX/XX/XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XX/XX/XXXX and XX/XX/XXXX the loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
Product: Mortgage

We have a mortgage loan through US Bank. We had mortgage insurance on our loan and it was taken off earlier in the year because we had paid our loan low enough for it to be taken off. It was off for a couple of months and now I noticed it was back on there and we have been paying for it for months now. Now they are saying I am short on my escrow account. Is this any type of fraud? Also when we got our loan we had our property appraised and it appraised at a price we would not need mortgage insurance well they came back at us and said FHA requires XXXX appraisals. When we received our XXXX appraisal it was XXXX dollars lower than the XXXX appraisal. They told us they had to take the lower appraisal and we were going to be charged mortgage insurance and we back out now we would be charged thousands of dollars. 
Please email me back. Thank you for your time I really appreciate it.
Product: Credit card

I put in a previous complaint regarding a disputed charge on my Capital One credit card. I noticed an unauthorized charge and was later credited for the amount, however I havent been able to get clear information on the process of the dispute going forward and the likely outcome, as this is my first time ever opening one. I need to ensure the final result is in my favor since I did not make this transaction. 

Capital One responded to my previous complaint requesting verification information in order to look into the issue. Ive already spoke with a supervisor and confirmed this situation and myself via phone. I need a thorough response provided via CFPB from the company in writing as it seems theyre dancing around a resolution.
Product: Money transfer, virtual currency, or money service

On X/XX/2017 I processed a transfer of $XXXX with Western Union to XXXX, XXXX tracking # XXXX. The charge for a transfer within minutes was $XXXX. the charge for transfer within 4 days was $XXXX. I paid the $XXXX. It has been 3 days and the funds have not been available yet. 
WU said that the money is now available after delay for processing, validations & approvals.
Since they admitted that they failed to deliver as promised I requested a credit $XXXX for the  difference between the instant & the 3-5 day delivery charge. They refused & said they will give me points for the next transaction I make. I don't plan on making any transactions with them.
The link below is for their website for money transfers
 https://www.westernunion.com/us/en/send-money/app/start

ps i see today that the in minutes transfer cost has gone up & the 4 business days cost has gone down!!
Product: Credit reporting or other personal consumer reports

FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENT REPORTING UNDER 15 U.S. CODE 1681s2 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to demand the immediate deletion of the inaccurately reported late payment for the account listed below, as reflected on my credit report : Account Name : [ XXXX ] Creditor : [ Automobile Acceptance ] Date of Alleged Late Payment : [ XX/XX/year>, and XX/XX/year> ] Account Name : [ XXXX ] Creditor : [ XXXX XXXX XXXX XXXX ] Date of Alleged Late Payment : [ XX/XX/year> ] Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The information being reported regarding this late payment is inaccurate, misleading, and in violation of federal law. 

I formally dispute this late payment and demand that you investigate and remove the inaccurate data from all credit reporting agencies to which it was provided. I have attached supporting documents showing that this payment was not late and/or that the reporting is in error. You are legally obligated to conduct a thorough investigation and correct any inaccurate or incomplete information. 

Be advised : if you fail to correct this information, you will be held liable under the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes. I am fully prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

I expect written confirmation of the deletion of the inaccurate information within 4 days of receipt of this letter. 

This is your formal notice. Govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the reinvestigation of the information I disputed on my investigative consumer report. You claim the information on my investigative consumer report regarding the account ( s ) I disputed is verified as accurate. I want the description ( s ) of your reinvestigation. The consumer report you prepare for me shall follow reasonable procedures to assure maximum possible accuracy of the information concerning me Pursuant to 15 U.S. Code 1681e ( b ).

Your procedure ( s ) is insufficient regarding a fair, accurate, equitable, confidential, reasonable reporting of me pursuant to 15 U.S. Code 1681a ( e ). Congress finds that you are to have accuracy and fairness of credit reporting and reasonable procedures pursuant to 15 U.S. Code 1681 ( a ) and15 U.S. Code 1681 ( b ) of the Fair Credit Reporting Act. From your reinvestigation, my investigative consumer report did not include information on my character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of me or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In fact, from your reinvestigation, my investigative consumer report only included information on my credit record obtained directly from a creditor of me when such information shall not be included in an investigative consumer report. You evidently violated the FCRA!! 

I WANT THE NAMES AND ADDRESSES OF ALL NEIGHBORS, FRIENDS, ASSOCIATES, ETC. THAT YOU SPOKE TO SINCE YOU INVESTIGATED THE ACCOUNTS ON MY CONSUMER REPORT AND VERIFIED IT AS ACCURATE. Because Congress says in order for you to have conducted an investigation you had to have spoken to neighbors, friends or associates, etc., and if you spoke with them the information provided can not be factual. 

With this complaint is the confirmation that you received my correspondence via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months/year ( s ). I have informed Experian that they were incorrectly reporting a charge-off on my credit report. At different times there has been different issues. The most recent issue being that the high balance is lower than the balance. That is not mathematically correct ( impossible ) and there can only be one high balance. They claim to investigate but nothing changes. Experian 's negligence is effecting my ability to obtain housing and transportation.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX are ignoring the laws that are set forth to ensure I, the FEDERALLY PROTECTED CONSUMER, credit file is being reported inaccurately. PER 15 USC 1681. I have written letters and filed disputes to all 3 and have attempted to inform them on the phone as well. This is causing me harm. I am being denied, based on inaccurate information being reported., per the adverse action letters that I received. I will be dealing with them as well.

I have 8 names, 41 unmailable addresses, and previous employment I would like removed as well as phone numbers and a slew of unknown inquiries. I am exercising my right to opt out all negative reporting on my file. IF I authorized any one by verbal or written consent, knowing or unknowingly. per 15 usc 6802-6805. I have tried to remedy this but I have no choice but to inform you of the total disregard of duty as a furnisher of information. 

Sincerely BY : XXXX XXXX XXXX Agent For : XXXX XXXX XXXX
Product: Checking or savings account

For 3 years I have been depositing and making withdrawals into my US BANKi always make Deposited majority cash but overall I have a credit union account I wrote a check from my credit union account to myself To cover my bills which is the same Amount of deposits I would normally do in cash this particular time I was sick so I was unable to make it to the bank so I did a mobile deposit needless To say risk has a hold on my account I have never been negative or have done any bogus activity in mu account for this to happen this has caused my account to go negative because all Of my bills are set up to Come out the account and now I will he negative I do have perfect credit as well and was just approved for a credit card with them who is in risk that has done something so awful This has caused me so much stress imagine trying to get gas and your card had decline I really feel Like race is involved in the particular case almost like predatory lending
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX, and XXXX XXXX Acct XXXX XXXXXXXX ) are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) the financial institutions and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian and XXXX, ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) Further states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also XXXX2 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached out to Transunion, XXXX and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.
Product: Money transfer, virtual currency, or money service

I attempted to pick up the transfer at two locations. At the XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX I was told the transfer was not available after calling in before arriving and after being told otherwise. I then attempted to pick up the transfer at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and was told the same. Funds for reference number XXXX were not available as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Credit card or prepaid card

I was incorrectly charged by a merchant ( XXXX XXXX ) and Chase refused to dispute it on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested removal of late payments off a closed credit card account with XXXX XXXX XXXX. They did not respond and I wish to have the late payments removed or the whole account removed from my report. It is preventing me from getting increases on my credit card limits.
Product: Debt collection

I have made numerous attempts requesting tje validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I was not given enough information to validate debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : XX/XX/XXXXREMOVE THESE INQUIRIES, I DONT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX FL. XXXX. 

XXXX XXXX XXXX XXXX, XXXX FL. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX # XXXX XXXX XXXX XXXX, Account name : 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 XXXXXXXX, has violated my rights. 

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

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

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