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

I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX on time payments right before my first year mark was coming up XXXX XXXX closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX bank
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is de

pendent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPECIALIZED LOAN SERVI XXXX XXXX XXXX XXXX XXXX XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Debt collection

I was a former employee of Check into Cash in XXXX MO. The same day XXXX quit I applied for a loan based on my credit score I was approved for a {$500.00} installment loan. The next day I received a phone call from the District manager stating that I had committed fraud and I needed to have funds pain back on the nest business day which was the XXXX. I was not aware that you were not supposed to give loans to prior employees but she told me I would be arrested. I was told that I was not allowed back in the store so I had someone else take the cash in. They did not give her a receipt. I phoned an asked if the cash was received and she said yes. She wo n't give me a receipt.
Product: Debt collection

I received a voicemail stating I was being implicated in a legal matter and I needed to call their mediators and submit a statement and agree to a settlement to avoid further legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX Noticed all my accounts from 2020 was showing late payments and other negative remarks on TransUnion credit report. 

I sent TransUnion an Affidavit signed and Notarized ( XX/XX/XXXX ) showing them the law below. 

I am sure Late payments 2020 should all reflect up to date pursuant to The Coronavirus Aid, Relief, and Economic Security Act based by Congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 )
Product: Bank account or service

I had filed a fraud alert with the bank over 3 weeks ago have called everyday to speak to XXXX in fraud and secerity but have only reached voice mail left 15 messages no return call had bank email him they said they did n't know where he was???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I want to close the account and make payments on the full balance. CashNetUSA will not allow me to close the account per their XX/XX/18 email @ XXXX. I admit I owe the balance, I just can't afford to continue to accrue the interest and fees while paying this off.
Product: Checking or savings account

To Whom it XXXX concern, I am writing to formally address an issue with my closed account at Bank of America, account was closed on XX/XX/2023 with a balance of {$14000.00}, Bank of America informed me that a cheque for the remaining balance would be mailed to my address within 7 days of the account closure, however to date I have not received the cheque, I have made numerous attempts to resolve this issue by contacting Bank of America, I was informed that they are unable to authenticate me allegedly because I can not receive a XXXX time pin to my contact number listed even though I did receive a XXXX time pin sent to my email address, This has left me frustrated and without resolution despite my efforts to comply with their procedures, I am currently in XXXX XXXX and not using my XXXX contact number. 

I am willing to to authorize my co- worker at the office in XXXX XXXX XXXX deal with the bank if needed I am requesting immediate action to ensure that the funds owed to me are disbursed without further delay, Please treat this matter with urgency as it has already been delayed significantly, Thank you for your attention to this issue,
Product: Credit reporting or other personal consumer reports

The account listed were opened fraudulently. I have attempted to resolve this matter without success. Please see attached correspondence,
Product: Credit reporting

XXXX has been reporting my account as late for over 90 days, back in XXXX I contacted them about my name change. They lost my files and never changed my name, from my marital last name to my maiden name. In XXXX my family went through a hard time and I contacted a debt management XXXX to help make sure that everyone still received payments including XXXX. XXXX denied my request yet accepted the payment from the debt management claiming that the last names did not match, however reported me to the credit bureau as late 30 day. I called to find out why were they able to accept a payment under a different last name same social security number but deny a proposal based on last name which i submitted back in XXXX. They reported through social which is on a totally different last name. Every month they received a payment from the XXXX XXXX company yet report me as being late for XXXX days, ruining my credit significantly. I contacted them only to be rudely answered by customer service. I am in the process of buying a house and they are the only company who have significantly ruined my credit with the late payments. I have stayed in constant contact with XXXX never missed a payment to the day that my family went into financial difficulty and still i ensured that they received a payment.
Product: Credit reporting or other personal consumer reports

I am writing to demand an immediate correction of the errors in the listed accounts based on violations of the XXXX XXXX reporting standards. 
Violations Identified : XXXX. XXXX Account # XXXX : ** Date Last Active : There is a discrepancy between Experian, XXXX, and XXXX regarding the XXXX Last Active. XXXX XXXX reporting standards require consistency across all bureaus, and this mismatch must be corrected immediately. 
Account Status : The account is listed as " Closed '' across all bureaus, but there is an inconsistency in the comments, which mention the account being closed at the request of the credit grantor. These comments are vague and violate XXXX XXXX standards of providing precise information. 
Late Payment History : The late payment history reporting is inconsistent. XXXX bureau reports a XXXX late payment multiple times, while another fails to list this history properly. Uniformity in reporting late payments is mandatory. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Account Status : The account status is marked as " Closed '' across all bureaus, but the Date Last Active field varies between bureaus. This inconsistency is a violation of XXXX XXXX guidelines. 
Late Payment History : The account indicates a single XXXX late payment, but this is not uniformly reported across all three bureaus. I request that this late payment be properly validated or removed due to inconsistency. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Date Last Active : Experian and XXXX XXXX different dates for when the account was last active, and the comments mention a XXXX late payment, but this is not consistently reflected in all bureaus. 
Late Payment History : The payment history is not accurately reported across all three bureaus. 
Experian reports late payments differently than XXXX. This failure to follow XXXX XXXX standards is unacceptable and needs immediate rectification. 
XXXX. XXXX Account # XXXX : ** Date Last Active : The accounts last activity date varies between bureaus, violating XXXX XXXX requirements for consistency. 
Late Payment History : There is a single late payment listed, but it is not consistently reported across all three bureaus. Additionally, comments about the account being XXXX while also listing late payments are contradictory and require clarification in accordance with XXXX XXXX guidelines.
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX  Original Creditor XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>. Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$600.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Debt collection

I keep getting calls from this debt collector, stating that they are taking me to court and have been " trying to serve a summons '' for a debt we do n't even owe to XXXX XXXX. I called XXXX XXXX and they have no record of us owing any $ $ - since we closed our account with them in 2009. Caller said she was XXXX XXXX and that a court summons would be served between XXXX today - no court summons was served. Said we had to call XXXX and reference XXXX or they would freeze our bank account. She called my place of employment. How she got that #, I have no idea. Internet search shows this is a scam. I do not want these people calling me. If they have proper paperwork, they should send in the XXXX. 

Also received calls from XXXX " XXXX XXXX '' and XXXX X XXXX " XXXX XXXX '' - all saying they are " trying to serve a summons ''.
Product: Debt collection

XXXX sent my debt to collections. I paid my bill and returned my phones on time. The Collection is for a leased phone with a buyout out fee if I didnt turn in my phones. I called and verified via customer service that the cellphones were returned and received, and I should not have been charged. I Attached the confirmation and package info of the return of the phones. XXXX phones were returned but I was still charged {$150.00} per phone and prorated cell bill. XXXX sent me debt to XXXX XXXX collections after I confirmed via customer service I owed no balances. I had the collections removed and XXXX has sent a new collection onto my credit under debt collector XXXX  XXXX XXXX. This is the second time they hindered my credit for a debt I do not owe.
Product: Student loan

To whom this may concern, Please note By law I can request information and debt validation on any account under FCRA 623. 

XXXX XXXX XXXX XXXX For starters, Great lakes sent me papers stating I owed an alleged debt which is a violation of 15 usc 1692b ( 2 ). Great lakes also stated that I signed papers.

Please provide me with an original copy of contract bearing my signature in wet ink to validate what you sent to the credit bureaus to " verify '' this information reporting on my credit report and in any system holding my consumer information. 

The above referenced account is on my credit report. Pursuant to 15 usc 1681a ( D ) ( ii ) ( ii ) ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I never gave you permission to furnish, sell or distribute my personal information on my credit report.

Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information are under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation of records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance.
Product: Mortgage

I sent {XXXX} to SPS last month to be put toward my mortgage. The check cleared on The XXXX of XX/XX/2022. I am still waiting for it to be posted to my Mortgage principle. I call everyday and they give me an excuse why it is not showing up. This has been going on over a month.
Product: Payday loan, title loan, or personal loan

I took out a loan with a buisness while I was actively working, to date I have been out of work due to this horrific COVID19 virus, not sure when we will be able to work, i am a XXXX  that does XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX  and it does require us to go on the inside of the homes. I took this loan out XX/XX/XXXX, I called them as soon as I wsa laid off around XX/XX/XXXX or XXXX, I asked them if we could please make a deferrment or allow me a forebearnce. I also told them I was not quite sure when I woudl get back to work as for the information I had recieved, i was goinng to have troulble making alot of bills, wasnt quite sure what to do but hoping they would umderstand what out President had mentioned and little understanding. Im not home due to a lack of not tryihng, I would like to have a deferrment or do away with the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are serveral accounts and inquires that I didnt initate. One of being XXXX XXXXXXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX XXXX XXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt applyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report doesn't have my current employer it back dated 2010 my Last employer was XXXX XXXX XXXX
Product: Mortgage

At closing XX/XX/XXXX of my refinance mortgage, I signed papers that said my new escrow account would be pre funded, that my first payment would be due XX/XX/XXXX and that my loan would possibly be sold, loan funded XX/XX/XXXX, maid check for XX/XX/XXXX Payment To XXXX XXXX XXXX, t but my mortgage was supposed to be deferred for 2 months XX/XX/XXXX, XX/XX/XXXX, but I signed the paperwork agreeing to a XX/XX/XXXX payment, out of lack of knowledge to the loan process. Mid XX/XX/XXXX I get a letter from new loan servicer, and owner /purchaser of my mortgage, freedom mortgage saying to stop all payment to old mortgage company XXXX XXXX XXXX XX/XX/XXXX but I had already mailed my check and XX/XX/XXXX the check i sent was cashed even though I gave plenty of notice asking for it to be forwarded, returned to me, or destroyed, see attached documents, and I was asssred it would be forwarded to the new loan owner. It wasnt, and wasnt reported, to my credit, or to the irs, except for the escrow amount included in the Payment which was forwarded as a cushion payment to the escrow account but In Truth no money was forwarded to fund the escrow and the $ sent over, that was applied to my escrow.was takin from my XX/XX/XXXX payment.that wasnt due to XXXX XXXX XXXX see attached documents, And the rest of my Payment wasnt subtracted from the loan principal it basically disappeared. No accounting of it, and still no payment to my escrow with the money estimated and takin from my closing, but when I got a wrong XXXX mortgage tax documents, I complained and it was adjusted, with a letter, from XXXX XXXX XXXX and freedom, apologizing for my experience with XXXX XXXX XXXX the first loan holder. Yet to this day the escrow account hasnt had the money, takin at closing aplied nor had my principal balance been corrected, and when I was told XX/XX/XXXX the was the last day XXXX could collect on payments, I never got the check or refund back, and the title company was instructed to pre fund the escrow, but ( according to XXXX XXXX ) the agent  at the title company, the old loan holder, got the money for the cushion,, and they didnt forward the money to new company.. see attached documents, also freedom and XXXX have tried to send me new documents, once I caught the mistake, and change the wording in there disclosure letters I will attach those at a later date, this whole process has been going on this long because Im a XXXX veteran both companies are aware if that, Ive been discriminated against, Ive filed complaints with the XXXX act, and with the veterans administration , as XXXX XXXX  XXXX attempted to sikence me by contacting the va and using my XXXX againsnt me saying I was harassing them and there stuff when I. Truth I was only asking legitimate questions and I got no answers so I got legal advice and i am basing my persistent validation of all XXXX based on information Ive been given, the evidence and proof is undeniable, and I couldnt get back to this any sooner as Ive also had a XXXX XXXX over the XXXX  from All this.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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, 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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX # XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case