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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Hard Inquires Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe to be inaccurate. After reviewing my credit report, I would like to request an investigation into the following information. 

Item in Disputes ( Hard Inquirs ) 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX According to fair credit reporting SCRA section 61 115 USC 161 law states unverified inquire must be removed. According to law 15 USC 1681 ( n ) we have the right to sue up to XXXX for every unauthorized charge that has been placed on our credit. Law 15 USC 1681B states we have to give written permission for anything to be placed on our credit report I didnt give a written authorization to have this information placed on my account with third parties or anyone. Law 18USC 1028A states my information has been passed through 3rd parties without my permission and consent is called aggravated identity theft. last but not least Law FCRA section 605B states is illegal to report information on my credit without my permission. 

Please investigate this matter and correct the error on my credit report. I kindly request that you inform me of the results of your investigation within the time frame required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

LoanCare , LLC wad taking over by ransomware. They have not contacted anyone except one email that stated that their website is back up and running. It was not back up and running. You can't get them on the phone at all. People have been trying for weeks. At one point they said they're not taking payments through the mail. And we can't get anyone on the phone. 

I should have money in my escrow account to pay for XXXX but they didn't pay it with the money in my escrow account and I don't want to make a payment anyway because they won't let anyone get in contact with them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Debt Validation Request for Account # XXXX To Whom It May Concern : I am writing in regard to the above-referenced account, which you claim I owe in the amount of {$1000.00}. You are reporting this alleged debt on my consumer report, negatively impacting my credit profile. I am formally requesting validation of this debt as required by federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are obligated to provide full validation of this debt, including but not limited to : 1. Proof of Assignment : Clear and unequivocal evidence that you have the legal right to collect this debt, which must include a copy of the assignment contract that specifically identifies this account. A generic bill of sale or billing statement does not meet this standard.

2. Verification of the Original Debt : Documents proving the accuracy of the amount claimed and evidence that I am legally responsible for the debt.

If you are unable to provide the assignment contract or other documents proving your legal right to collect, any continued collection activity or reporting of this debt to credit bureaus constitutes a violation of the FCRA, 15 U.S.C. 1681b ( f ), as you are furnishing inaccurate or unverifiable information. Additionally, this action violates my rights under the FDCPA, 15 U.S.C. 1692e ( 8 ), which prohibits reporting false or misleading information.

Further, your continued reporting without proper validation undermines my rights under the Consumer Financial Protection Bureaus ( CFPB ) debt collection regulations, effective XX/XX/XXXX, which require substantiation of debts upon request.

If you can not validate the debt according to the above standards, you must : 1. Cease all collection activities.

2. Remove this account from all consumer reporting agencies to which you have reported it.

3. Confirm in writing that the account has been removed and that you will not pursue collection further.

Failure to comply with these demands will leave me no choice but to pursue my rights under the FDCPA, FCRA, and other applicable laws. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially initiating legal action to seek damages for violations of my rights.

This letter serves as formal notice that I dispute this debt entirely. Any communication regarding this matter must be in writing and sent to the address above.

I expect your response, with all required validation documents, within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I recently review my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Vehicle loan or lease

They try to charge extra fees turned and repossed with me knowing after paying and engine was no good
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card via referral link sent by a friend, since I am a new green card holder here in the US and want to try increasing my credit score I tried to apply for this discover credit card and immediately I got approve without asking me if how long I have been living here in the US. I am so happy that I got approved to start building my credit score. However, when I got the physical card and activated it, knowing that I can already use it my first transaction was declined. So I immediately called the bank and ask why. So they say that I need to sign some documents so they can do a back check and its all fine with me. But the problem was they were asking me to provide a 3month bank statement until the XX/XX/XXXX of 2022. I called them again telling them that as much As I wanted to do that I can only provide a 2month statement until the deadline since I just arrived and started working here in the US just The month of XX/XX/2022. Then the only option they given me is to personally close the account or if I did not give them the requirements they need, they will automatically close my account even if I do not want it since either of those can greatly affect my credit score which initially the reason I applied for this is to build up my credit score as a starter. This is very frustrating on my part. They should have ask initially during the online application if for how long an applicant is currently residing in the US in that case that can immediately disapprove the applicant and not go through with process. Very disappointing. Me, together with my friends are now experiencing this situation that we dont want to happen when we applied. I tried calling them many times and they are just telling me the same thing, either close the account or they will automatically close it if we did not submit the documents they needed. Kindly help us with this discover credit card.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing up on my credit report as a collections for XXXX XXXX . This account was paid off by the company assigned to collect which was XXXX XXXX XXXX on XX/XX/. A company by the name of Mountain Run Solutions is still attempting to collect an inflated amount of money that is not owed. I have disputed twice with the credit reporting agency by submitting a PAID IN FULL letter and the Mountain Run Solutions company continues to call, text, and renew this account on my credit... which is negatively affecting my score.
Product: Credit reporting 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.rights. 

account name # XXXX XXXX account number # XXXX  XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX  account number # XXXX 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: Debt collection

I like many other service members have been taking advantage of by XXXX XXXX. When I initially signed up with this company I was told I had a warranty on any of the products that I purchased with them as long as my account was current and I have a balance. When I tried to use that warranty it is not being honored I have always made my payments on time and fillies my end of the contract but they havent
Product: Credit reporting or other personal consumer reports

Since since they wrote it off on their taxes as a profit loss, they were supposed to provide me a copy of the 1099C form so that I can write it off as income .at the same time they're still reporting on my credit report that I owe them a balance. When they took a tax break for it never got a copy of the 1099C form. Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Experian has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTYLY NOTICED THERE WERE A NUMBER OF UNAUTHORIZED, INACCURATE, AND INCOMPLETE ACCOUNTS LISTED ON MY CREDIT REPORT THAT NEED TO BE REMOVED IMMEDIATELY. I DID NOT CONSENT TO THESE ACCOUNTS BEING OPEN USING MY SOCIAL SECURITY NUMBER AND THESE ACCOUNTS DON'T BELONG TO ME. NOT ONLY DO THEY NOT BELONG TO ME, BUT THEY ARE INACCURATE AND I KNOW CREDIT REPORTS MUST BE 100 % ACCURATE. MY CREDIT REPORTS AND CREDIT FILES ARE NOT 100 % ACCURATE. REMOVE ALL INACCURATE ACCOUNTS IMMEDIATELY BECAUSE THIS IS UNFAIRLY RUINING MY LIFE AND MY REPUTATION WITH THE BANKING SYSTEM
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian regarding their reporting practices, which I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations.

I have discovered that Experian has reported an account that has been officially removed from my credit report. This action appears to contravene the following provisions of the FCRA : 1. **Accuracy Requirement** : The FCRA mandates that credit reporting agencies like Experian ensure that the information they report is accurate and current. Reporting an account that has been removed constitutes a violation of this requirement. 

2. **Consumer Rights** : As a consumer, I have the right to dispute any inaccurate information on my credit report. If Experian fails to investigate my dispute adequately, this too would be a violation of the FCRA.

Additionally, I believe that Experian may be in violation of regulations enforced by the CFPB that protect consumers from unfair practices in credit reporting.

Consumer law prohibits false or misleading credit reporting. 

Lastly, Experian has not taken reasonable steps to ensure the accuracy of the information they report. I'm uploading 2 credit reports. Experians app credit report vs XXXX.Experian has not updated this account XXXX XXXX XXXX which has been removed, but is still reporting on XXXXXXXX XXXX XXXX 

My rights have been violated, and I request that your office investigate this matter. I am seeking assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Per the Family and Privacy Act of 1974, my privacy was violated per 34 CFR99 which states Directory information includes, but is not limited to, the student 's name ; address ; telephone listing ; electronic mail address ; photograph ; date and place of birth ; major field of study ; grade level ; enrollment status ( e.g., undergraduate or graduate, full-time or part-time ) ; dates of attendance ; participation in officially recognized activities and sports ; weight and height of members of athletic teams ; degrees, honors, and awards received ; and the most recent educational agency or institution attended. ( b ) Directory information does not include
a student 's ( 1 ) Social security number; or ( 2 ) Student identification ( ID ) number, except as provided in paragraph ( c ) of this definition.

( c ) In accordance with paragraphs ( a ) and ( b ) of this definition, directory information includes ( 1 ) A student ID number, user ID, or other unique personal identifier used by a student for purposes of accessing or communicating in electronic systems, but only if the identifier can not be used to gain access to education records except when used in conjunction with one or more factors that authenticate the user 's identity, such as a personal identification number ( PIN ), password or other factor known or possessed only by the authorized user ; and ( 2 ) A student ID number or other unique personal identifier that is displayed on a student ID badge, but only if the identifier can not be used to gain access to education records except when used in conjunction with one or more factors that authenticate the user 's identity, such as a PIN, password, or other factor known or possessed only by the authorized user.

( Authority : 20 U.S.C. 1232g ( a ) ( 5 ) ( A ) ) Disciplinary action or proceeding means the investigation, adjudication, or imposition of sanctions by an educational agency or institution with respect to an infraction or violation of the internal rules of conduct applicable to students of the agency or institution.

Disclosure means to permit access to or the release, transfer, or other communication of personally identifiable information contained in education records by any means, including oral, written, or electronic means, to any party except the party identified as the party that provided or created the record. 
As a result my rights were violated when my information was given to the credit bureaus regarding my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my XXXX  report that is WRONG! XXXX  and XXXX  both fixed this situation. I did not have a water bill in XXXX.
Product: Debt collection

On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from XXXX Bank of $ XXXX..They had been calling repeatedly..We came to an agreement of $ XXXX..Initially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an idiot. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my credit.
Product: Credit reporting or other personal consumer reports

Ive been trying to get these fraudulent accounts off of my credit report for over a year. I have contacted the bureaus and did exactly what they told me to do, but they refuse to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a direct dispute with the Virginia Department of Social Services, which they received and signed for on XX/XX/2022. They have failed to report my information correctly as pertains to late payment history. They have been notified to update the reported information correctly, which they have failed to do so in a timely fashion. It is now 30 days after initial notice. I demand that this inaccurate information be removed from my XXXX, XXXX, and Transunion reports immediately.
Product: Credit reporting or other personal consumer reports

I woke up to find unauthorized inquiries on my credit report, and I have no idea why they're there. I checked my report like I usually do, but this time, there were issues that came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the inquiries didn't disappear. I'm incredibly frustrated and demand that the documents I've sent be reviewed immediately so I don't have to deal with this stress any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX  to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.