23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

AMEX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to apply for a credit without my permission
Product: Credit reporting or other personal consumer reports

Hello, It came to my attention via many calls and creditors that I had balances on many accounts. The more I researched i found out in XX/XX/year> that my personal information, my Social Security XXXX was involved in the XXXX data breach. I did the search with my personal information and the site confirmed that my information was involved in the breach and that my identity information was stolen. I've had many issues including people using my information to get housing in locations i've never been too in my entire life. Also, the debt balance i'm hurting from. I had great credit for 15 years and now I'm Struggling to make it. 
Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX XXXX Credit Report Date : XX/XX/year> XX/XX/year> XX/XX/year> Also Known As : - - - Former : - - - - Data Breach Accounts Yellow Data Breach Accounts XXXX. XXXX. XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX XXXX # : XXXX XXXX XXXX XXXX ) : XXXX  XXXX # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX ) : XXXX Account # : XXXX XXXX ) : XXXX. Account # : XXXX XXXX ) : XXXX XXXX Account # : XXXX XXXX ) : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX ( Original XXXX XXXX ) Trans Account # : XXXX XXXX ) : XXXX FUNDING ( Original XXXX U XXXX BANK XXXX A ) XXXX  Account # : XXXX XXXX XXXX : XXXX XXXX ASSOC ( Original Creditor : XXXX XXXX ) Exp Account # : XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : JPMCB CARD XXXX # : XXXX XXXX XXXX XXXX ) : JPMCB CARD XXXX # : XXXX XXXX XXXX Inaccurate Accounts Pink XXXX. XXXX. XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : WELLSFARGO.Acc # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX. Account # : XXXX XXXX XXXX ) : XXXX XXXX BANK. Account # : - - - - XXXX ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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  XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to request Equifax and XXXX remove inaccurate and outdated data from my consumer report, non working Address at XXXX XXXX XXXX XXXX FL XXXX. I recently obtained a copy of my report from your company and was concerned that several errors require your attention. Delete Fraudulent inquiries 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. I request that you remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report ASAP. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete false information from my consumer report immediately!
Product: Money transfer, virtual currency, or money service

Hello my Venmo acc was frozen on XX/XX/22 with no clear reason as to why other than an email requesting that I send a photo ID which I immediately did so ... after waiting I contacted customer support to be advised of why my account had been frozen no one could answer and gave me a turn around time of 2 weeks ... after checking the site the standard turn around time is 7 days to unfreeze an acc and upon review I don't see any violations of terms that would have caused the account to be frozen..after reaching out several times I advised that I would be reporting this issue to XXXX as no one could explain what triggered the account to be frozen after going back and forth for weeks and having agents escalate the issue they finally contacted me back stating my account was now permanently deactivated and my funds will be held for up to 180 days ... received this email at XXXX XXXX  and immediately wrote back and received a generic message stating they were closed ... .I don't feel this is just nor far as they never provided a valid reason and I do not owe them any money for my funds to be held
Product: Vehicle loan or lease

I currently have 2 loans with M & T bank and when making payments online via the mobile app the payment was posted to the incorrect account causing one to go past due. I attempted to make this right with the loan company however so far they haven't only caused more confusion and not provided a resolution. Now that the late reporting is reflected on my credit report I have since been impacted greatly by the loss of credit lines, some reduced to the current balance on the account. When logging in on the mobile browser and going to make a payment I selected the account I wanted to pay- and processed a payment not knowing or being alerted that even though I selected the account I wanted to pay the default was set to go to the first account. At this point, there were no labels on the accounts to really know which one was which. I later discovered on my own you could apply nicknames to each account- this wasn't shared with me as a solution. I was basically given the canned response of I should have known better and that is just how things work. This is a poor customer experience. I did ask for a resolution and next, I see they have done payment reversals on the one account - thinking this was to transfer the payment that was posted to the incorrect account to the right account- nope it was just posted back to the same account. There were multiple payments reversed. This caused even more confusion in the meantime I was making payments to both accounts to not further the damage that was already in progress. Only to be caught up in a situation where the payment I set up online not posting at all - I went through the process and submitted the payment in order to prove myself they wanted a payment confirmation number well there are no text messages or emails sent to provide that number it is only online and well since the payment didn't post there was no confirmation number to be found. This only compounded things because the account was now going to be reported as late. If the payment had been posted to the right account the first time it wouldn't have happened, then when I alerted M & T that this had happened they failed to provide a solution, then I tried to provide myself a solution and this also failed. I have never paid late on any bill in my entire life this has been extremely upsetting and aggravating, to say the least. My credit score plummeted overnight and now it is causing additional impacts I am sure some are not even realized yet. Once this is fixed I will have to fight with the other creditors to fix/undo what has been done as a result of M & Ts failure to correct the issue.
Product: Debt collection

I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter or fact. Pay or else. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Product: Checking or savings account

I paid money to XXXX XXXX  to someone named XXXX XXXX and through XXXX XXXX same name and the company was called XXXX  XXXX XXXX, they then said I was denied the loan and would return the XXXX amounts of XXXX and XXXX within 25 days this was provided via phone and now their phones are down and website is no longer there so they scammed me. I didn't receive the product of XXXX for the collateral asked of me and my bank Capital One is refusing to get my money back.
Product: Payday loan, title loan, or personal loan

I revoked ACH privileges on XX/XX/19 so I can negotiate a lower settlement. I'm now being threatened by Mypayday loans that as a result of me revoking ACH privleges that is the same as writing a bad check. I do not believe this is the case since mypayday loans should not try to process the ACH payment. This is my understanding. Please see their Email to me Below : Minimum Payment now due : XXXX Account Balance : XXXX Please be advised. 
Bank Returned Payment due to Authorization Revocked As a result, your advance with us has been in default since XX/XX/2019. 


We understand that banks can be confusing with credits, debits, direct deposits etc., and mistakes happen to cause non-payments to occur. We know that this accidentally happens at times and we would like to give you a chance to clear this matter up. However, this default has been reported and it will hinder your check writing privileges. Please contact our offices IMMEDIATELY to make full payment or at least the minimum payment in order to bring your account back up to date and have the negative check removed. Please call me at XXXX or email so we can continue to have you as a valued customer and avoid unpleasant repercussions as a result of this payment oversight. 

Keep inmind that an ACH transaction is the same as writing a bad check, and it will be treated as such.
Product: Checking or savings account

I opened an XXXX acct. Tried to link checking acct. PNC denied the connection.
Product: Debt collection

They sent this text to my personal number and to the number that notifies my entire company on XX/XX/year> XXXX : We are following up on a letter that was sent to XXXX XXXX regarding file number XXXX. This gave you an opportunity to exercise your legal rights. Please contact XXXX XXXX to verify you have received the letter. He can be reached at XXXX reply STOP to opt out There was no letter sent to me prior to this and if there was I never received it, there were no phone calls prior to this text either and if there were no one left a voicemail to call back. 

When I called the XXXX number a male answered the phone and was described to me why they contacted and I stated that I was in the process of filing bankruptcy and he immediately was aggressive stating that it didnt matter because that doesnt apply to them and when I asked why they had contacted my job and he stated that they were about to come to my job and serve me regardless and would not let me speak after that saying that I can have my attorney contact him directly and hung up on me. 

I eventually got in contact with someone else and tried to resolve the account and set up a plan to take care of the said debt until my bankruptcy clears, after the phone call was over no one sent over paperwork to prove the debt, no paperwork was sent confirming any resolution plan so I froze my card because I believed it was fraud, they had called again about my failed payment and I tried calling again and didnt get contact to the previous person I spoke to about the resolution. I called the next morning informing them via voicemail that I would be reporting them due to their actions and got no response or call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th attempt to get this matter handled. Experian is failing to update my credit report & is in violations of FCRA Sections 611, 616 & 617. I disputed a late payment with XXXX XXXX XXXX XXXX which the furnisher responded to me claiming they were correcting the issue. Experian has failed to update their records & has claimed it was verified. I submitted a letter which XXXX XXXX sent to me claiming they were correcting their records EXPERIAN is not updating this account & it's impacting my ability to get a loan. It is also creating a ton of emotional & physical stress because of all their antics to NOT comply with FCRA laws. I need to account update to closed/never late.
Product: Mortgage

I fell behind on my mortgage after my business failed. I have been building my business back up after the crash and I am now able to make payments on my mortgage. I have applied for assistance with my mortgage company and I am asking them to post phone my foreclosure sale date in order to review me for assistance. I have submitted by fax a complete financial assistance package / loan modification request. I wish to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB. I am writing to file a complaint against Experian. I reached out to Experian on XX/XX/23 and did not receive a response after 30 days. I reached out a gain on XX/XX/23, demanding a response and again did not receive an answer. I am attaching copies of both letters and copies of tracking showing delivery receipt. 

Experian is reporting several accounts on my credit report that I have disputed as inaccurate. Under the Fair Credit Reporting Act, a XXXX XXXX XXXX has to review and respond to every dispute it receives within 30 days. If the review isn't complete, the agency is obligated to remove the disputed record. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

This letter is formal notice that Experian has failed to respond to my dispute letter within 30 days. They have also failed to respond to my XX/XX/23 letter as well. I have enclosed a copy of both letters sent on XX/XX/23 and XX/XX/23 withXXXX XXXXracking showing a delivery receipt to Experian. I am maintaining detailed records of all my correspondence with them. 

Section 609 of the Fair Credit Reporting Act ( FCRA ) states that Experian must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so, I am demanding that they remove the below six items from my credit report with Experian bearing my social security number. The six accounts are 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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal laws and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

I borrowed {$1200.00}, and now I'm told that I owe more than $ XXXX. Was not told this when I did the money loan.
Product: Mortgage

I applied for a loan modification to save my home after falling behind on my mortgage payment. I fell behind because I was transferred by my job out of state in XXXX XXXX and then back again in XXXX of XXXX. I have now resolved that hardship and I am living in my home and back to work. I applied for assistance and SPS ( Select Portfolio Servicing ) made an error in my review which resulted in a denial letter dated XXXX XXXX, XXXX. I have since hired an attorney to assist me in re-submitting my application pointing out the error on the last review asking them to correct the error and review me again as this was their error and not mine. SPS is refusing to review me and correct their error. They have set a sale date and are telling me I will be foreclosed and they will not correct their error they made and allow me to at least be considered without error for assistance in saving my home. The error on that review shows up on Item # XXXX " Monthly Real Estate Taxes ''. It shows a false amount of {$600.00} per month for my property taxes. My actual property taxes are only {$110.00} per month. Since there was an error on that review I would like them to correct that error and review me again for assistance. Another change in my circumstance is that my wife no longer works. This reduces our household income and also affects the review. Both of these taken into consideration I believe I may qualify for a loan modification to save my home. SPS simply says I ran out of time. My attorney submitted a full financial complete package on XXXX XXXX, XXXX. It was confirmed received by SPS on XXXX XXXX, XXXX. My attorney spoke with SPS today and they stated they ignored that application and will not review me for assistance. They state there is no time since the sale date is on XXXX XXXX, XXXX. Considering THEY made the error on the review and not me, prior to my Notice of Sale which was recorded on XXXX XXXX, XXXX. I think they should allow me to be properly reviewed for assistance using the correct values for my NPV chart and review. I think their excuse that my application was not early enough is not valid since they made the error in the last review and not me. I would like for them to post phone my sale date and accept my application that was submitted on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation from I believe XXXX or XX/XX/2022 resulted in the deletion of the account XXXX XXXX XXXX ( referenced in picture attached ). Upon reappearance of account reinvestigation letter sent XX/XX/2022 received no response, with the follow up letter XX/XX/2022 ( referenced in attachment ) requesting the reinvestigation and requesting deletion for receiving no response, also received no response from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.
Product: Credit card or prepaid card

Someone opened three credit cards under my name and Ive only notice when I looked on my credit file. XX/XX/22 American Express for XXXX $ XX/XX/22 XXXX XXXX for XXXX $ XX/XX/22 XXXX XXXX XXXX for XXXX $