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

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$120.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX anXXXX XXXX XXXX XXXXXXXX XXXX.
Product: Money transfer, virtual currency, or money service

My account has been limited for sometime now, I think around XX/XX/2010, I am was a XXXX XXXX, no negative transactions no history of fraudulent activity. For almost 10 years my business has not been able to offer payment and receive payments in turn nearly shutting down my online business, I now do more that 75 % of business in person or storefront. I still dont know why my account has been closed or suspended, i have tried mutiple times over the years to get this resolved. Several times I have received emails that paypal has been involved in class action suits for privacy issues or other things but they insist on limiting or banning loyal customers like my business indefinitely without clarity
Product: Mortgage

I provided the payment from a different checking account and they failed to report the payment causing my credit score to go down i went to the bank to make the complain and they said that i should make a dispute through you. Now we are trying to do some finance under my name and beacuse of that mistake i cant make it cause my score when almost XXXX points down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent yet another letter ( Certified USPS XXXX ) to Experian stating my claim. My letter was an answer to the " verified '' accounts that allegedly were investigated. Experian stated accounts DEPT OF EDUCATION, XXXX, and XXXX XXXX were investigated but how is that even possible when the opening dates, last active dates, and last reported dates are inaccurate? I also add that my name isn't listed correctly and you don't have my birth date. It's just a year listed. 
Another part of my claim is that the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) states you need my written permission to furnish any report of mine and your agency doesn't have anything from me as the consumer giving consent or permission to report on my behalf which is identity theft.

My letter demanded you investigate ALL RELEVANT information which means look at what my claim is instead of grouping it into a general dispute. 

Finally, I have to know as to how you can " verify '' the accounts below when XXXX and XXXX have both complied with my actual claim by deleting the accounts. I attached both agencies reports as proof that you are not communicating the disputes to all required databases. 

I've attached proof for the following accounts : 1. XXXX XXXX XXXX  XXXX XXXX 

2. XXXX XXXX XXXX XXXX .

3. XXXX XXXX XXXX XXXX .

4. XXXX XXXX XXXX XXXX .

5. XXXX XXXX

6. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of this.
Product: Debt collection

XXXX XXXX XXXX had ask credit acceptance to remove the repossession from my report which they refuse to remove it. XXXX XXXX XXXX sent them documents about the investigation and the new update as well, which credit acceptance sent XXXX XXXX  XXXX the wrongfully sent so called information to my lawyer about the me not having GAP insurance. I called credit acceptance last week and left a voicemail asking about documents if they resold the vehicle, I havent yet gotten a letter stating that the vehicle was sold. Credit acceptance knew they were high robbing their borrowers, ruining their clients credit even if the vehicle was paid in full or not. In NJ case they had the hiding fees in the contract. Which I will send the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX  XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Checking or savings account

Thank you for reviewing my complaint. I am sorry it is taking this much effort to get results, but it is impossible to get ahold of anyone helpful at MoneyLion ( https : //www.moneylion.com/ ). MoneyLion is an online app that provides services such as investments, credit monitoring and personal checking. 

I am moving on XX/XX/XXXX and used their checking service as a rainy day fund, rarely withdrawing and depositing to both their checking account and an investment porftolio. 

XX/XX/2021 : First fraudulent charge from XXXX in the amount of {$39.00} XX/XX/2021 : I contacted MoneyLion about the XXXX  charge. Moneylion representative said debit card would be canceled and I had to fill out their " standard form '' and fax/email it to them re my claim. 

XX/XX/2021 : Card was not canceled. Additional fraudulent charges by XXXXXXXX XXXX XXXX in the amount of {$400.00}, {$11.00},. Initially I thought a paypal transaction was fraudulent but i did my due diligence and confirmed that XXXX XXXX {$60.00} was VALID. 

I am unable to get anyone to provide provisional credit, confirm status of my fraud claim and i am told i will receive a PAPER LETTER in 10 days. I am moving on XX/XX/XXXX and need the fraudulently charged transactions reversed, and all moneylion accounts closed INCLUDING my portfolio. 

My rainy-day fund was wiped clean and I am unable to get any assistance. I just graduated law school and am moving on XX/XX/2021. Please help so I dont have to litigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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 Account Number:XXXXXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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.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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, and XXXX  XXXX XXXX account # 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The collection was reported to Experian without my knowledge or receiving a verification letter. They are in violation of my FCRA rights. The original debt was paid in 2014.
Product: Mortgage

I believe Bayview Loan Servicing, LLC., is trying to take my home form me. I currently owe less than XXXX XXXX dollars. So, in less than 4 years my home will be paid for. Approximately 2 weeks before being switched to this company, XXXX XXXX   notified me that my mortgage was sold to Bayview Loan Servicing LLC in XXXX XXXX, Florida. The sale occurred in the middle of XXXX, XXXX. Because of my impending divorce and my husbands refusal to abide by the judges ruling, ( mandated XX/XX/2019 XXXX, that he continue to pay the mortgage, I fell 3 months behind in paying my mortgage. The house is only deeded in my name. After being charged with contempt, out of fear, my husband began making partial payments in XXXX, but to date he still owes for mortgage payments in arrears. Albeit, the last two payments he has made have been full payments. 

The representative from Bayview who I was assigned to me is, XXXX XXXX. She is an unprofessional mean-spirited liar. She has failed to communicate with me even when I have made appointments to speak with her via telephone. I have made five appointments that she has not adhered to. Then she lied and said she called, but there was something wrong with my phone. She refuses to answer her business phone when I call. She rejects my email messages. she has lied, stating that I made repayment agreements I never consented to. She has sent me documents with erroneous information in it and tried to get me to sign those fabricated documents. She has refused to offer me more than one repayment option on the back-mortgage amount I still owe. I have asked Customer Service for a different loan officer, but my request has been ignored. I am beginning to believe that she is the only women working at that company. 

Yesterday, XX/XX/1019, my husband made two full back payments. But although Bayview listed both payments on my statement for XXXX, they only credited my account for one of those payments. At this point, I owe less than XXXX dollars in back mortgage payments. If the payment that I wasnt credited for was added to my account, I would owe less than {$3000.00} dollars. So, today, XX/XX/2019, I tried to make a partial payment of {$1500.00} dollars via Bayviews website. That way I would be completely caught up before the end of XXXX. I was informed that I could not make a payment. Furthermore, I was informed that before I make any future payments, I must consult with XXXX XXXX XXXX. There is something very sinister about that company, and there are plenty of negative reviews online and requests by disenchanted consumers to start a class action suit against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok I have an account with XXXX XXXX XXXX XXXX and i got the loan XX/XX/XXXX still working on the settlement I know it stays on my record for 7 years 6 months from date of the first delinquency which was reported as XX/XX/XXXX Experian is now showing that it is scheduled to come off XX/XX/XXXX that is illegal re-ageing because that would mean that my first delinquency was XX/XX/XXXX they are purposely trying to add an extra six months to stay on my report I have their own report from XX/XX/XXXX that shows the first delinquency as being XX/XX/XXXX which means comes off report in XX/XX/XXXX, not XX/XX/XXXX they are just trying to force me to pay and I get that but the law is the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  # XXXX, DEPT OF ED/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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.
Product: Mortgage

I filed a complaint ( XXXX ) against Select Portfolio Servicing inc. See complaint and their response. I had request for them to give me a letter showing that I was current since they will not give it to the insurance company and my insurance was going to get canceled. They said no to me as well. They did not want to give anything show that I reinstated my mortgage including a receipt. So my insurance was canceled and they stated the were going to add an insurance at my cost. When my insurance was canceled because of their actions. They also request that the remainder of the insurance refund be sent to them by my insurance company and not me. Did SPS add an insurance and charge me for it? What did they do with my insurance refund? They are also not very transparent when it comes to my account. My insurance now is about {$500.00} more a month for the same coverage I had prior.
Product: Debt collection

This company has been calling me since XXXX of XXXX. On XX/XX/XXXX at XXXX I answered and asked them to stop contacting me. They have contacted me from 11 different states as well as at least 23 different phone numbers. I have asked now 8 times for them to stop contacting me. They now just got an unlisted number and refuses to tell me what company they were calling from. I did some research and found out it is Portfolio Recovery Services that number is ( XXXX ) XXXX. This was today, XX/XX/XXXX. So over the past year they have continued to call even after I've asked them to stop many times.
Product: Checking or savings account

My checking and savings account was closed by CapitalOne 360. The relationship has ended and I had been calling to find out why and where my funds were. I place a recent report with CFPB and I received action only after I made the report. Funds from my saving account were returned to me by check, however, the funds in my checking account are still in the account. My fiance used my account to receive funds not realizing that that was not permitted. I have be requesting that the funds be returned to the remitter, since I am not allowed access and it has not been done yet. In fact, Capital One 360 has been removing small amounts of the money from the account. The amount was {$500.00} today it is {$380.00}. I received a letter dated XX/XX/2018, stating the money would be returned but as of today XX/XX/2018, they have not. I have left several messages for the person named on the letter, to no avail. Could someone please instruct Capital One 360 to return this money to the depositor as they stated they would? 

Thank you, XXXX XXXX
Product: Student loan

I was laid off by my employer in XX/XX/XXXX and was making small payments to Discover Student Loans to keep my loans current. I was receiving unemployment benefits from XX/XX/XXXX which have now run out as of XX/XX/XXXX. I called Discover Student Loans and spoke to the representatives and managers to explain to them that I have no income and was on unemployment and they all told me that they can not do anything to defer/forebear my payments. I currently have no income coming in and I am actively looking for employment but can not defer/forebear my loans due to financial hardship with Discover Student Loans because they tell me that I am locked into a payment plan and have to make 6 consecutive payments of the minimum of {$920.00}. I currently have to make a minimum payment of {$1700.00} to bring my loan current as it is delinquent. The Senior Account Manager, XXXX, who I was explaining my hardships to told me that I should " borrow money from someone '' or seek out my co-signer, who is my mother, who is unable to assist me due to her high mortgage payment. They told me that there is nothing that I can do and that my payments will continue to increase and they will report my delinquency to the credit companies. I was able to stop payments on my government loans due to my financial hardship but Discover is refusing to assist me with this since I have a " special private loan '' with them. I have no idea what to do at this point and my credit is completely shot. Additionally, they call and harass me all hours of the day and night and I am at my whits end and I explain my situation to them every time I speak to them and they all tell me the same thing, " there is nothing we can do for you and you have to make the minimum payment or else the loan will go into delinquency and be reported to the credit agencies. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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