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

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, THE 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

Inaccurate credit information
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an online course titled, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' from " XXXX XXXX XXXX  ''. I was charged {$530.00} and I had used my Discover credit card for the purchase. Immediately after purchasing, I had watched the first four " lectures '' and I immediately felt misled. Each of the so-called " lectures '' was only two to four minutes in duration. After finishing the fourth video and feeling disappointed, I scrolled through the list of lectures and found that the short videos were a common theme within the " course ''. I then emailed the support email, XXXX, about requesting a refund and I immediately received an automated email. The automated email stated to reply to the email and a response would be given in XXXX business hours however I did just that and I never received a reply to my request. After this point, I was very frustrated and had decided to wait until Discover would let me file a chargeback. On XX/XX/XXXX, I had filed a chargeback with Discover essentially stating that I had been purposely misled and that the advertising and descriptions surrounding the course were mostly false advertising. On XX/XX/XXXX, I received a message from Discover stating that they had ruled against me because the merchant was able to provide a receipt of my purchase. This had nothing to do with my original complaint and the false advertising issue was never addressed. In addition to this, after being notified that I had lost the dispute, I logged into the website that provides the courses and realized that my access to the course that I paid for had been revoked. Not only did I lose the dispute and the money, but I also lost my access to the service.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
U.S. bankruptcy Public filed
Product: Debt collection

Back in XXXX of XXXX, I was contacted by another collection agency, who stated to me that a debt was placed with them by a company called XXXX XXXX. After working with them to gather information it was discovered that the account was placed with them in error and that they had the wrong individual. Upon further investigation, I was told that XXXX XXXX had placed another account with them and also placed an account with a company called " contract callers '' I contacted this company, and I advised them prior to them reporting to the credit bureaus, THIS IS NOT MY ACCOUNT, they reported the account anyway as an open account on my credit report. I was NEVER contacted by this company and given the opportunity to dispute prior to their reporting. Since contacting them, they still have not provided me with documentation validating this debt. According to this XXXX XXXX XXXX, they require a valid state-issued ID and a copy of a lease to establish service, I have requested this so that I may continue my own investigation of the account. Contract Callers should NOT report this under my credit report without validating this debt. I will not give them any additional time to validate this debt, other than what the law allows. And I will only communicate by email or written letter.
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 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX 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.Section States : no consumer 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 or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

WFBNA Card. There is a new error with XXXX reporting of this tradeline. On myXXXX report, the tradeline reports the status of the account as Current account/was 30 days past due date. The account should just report as Current. Please remove the was 30 days past due date. Attached is myXXXX report, which shows this tradeline for both XXXX and XXXX XXXX. For my XXXX XXXX report, the pay status for the account is reporting as Paid or paying as agreed and includes no references to a delinquency. I checked my report on XXXX to check the Status and reports as Open. This is an inaccuracy for the Status field. Right above the Status field is a field to describe whether the account is Opened or Closed. The Status field should reflect whether the account is Current or past due. The CRRG states that the codes 11, 71, or 78 should be used for the Status field. Since XXXX did not provide me with the Status, I tried to access my credit file with XXXX from XXXX. But I was denied access to my file. 

XXXXXXXX XXXX XXXX XXXX XXXX. This account is also reporting as Current account/was 30 days past due date in report from myXXXX  And the account also reports as Open in the Status field on my report from XXXX. No other account in my report is reporting the account as just Open or Closed in the Status field. They all report as Open/Never late or Paid, Closed/Never late. I am attaching my XXXX report with this dispute letter. I am also attaching the myFICO report that shows how this account is reporting there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX {$3400.00} XXXX XXXX  XXXX {$580.00} XXXX   XXXX {$660.00} XXXX XXXX {$430.00} XXXX {$18000.00} XXXX XXXX {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than 30 days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for XXXX but nothing for the other 2 bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX  Account Number:XXXX  has violated my rights. Or a 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

I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again XXXX, XXXX  and Experian sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see pages attached. I have also attached a copy of my drivers license and SSN for verification purposes. ) These multiple inquiries are well within the time that is typically allowed to check different lenders and find the best loan. These inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of the inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

I have been in medical care since 2017 and made payments to XXXX. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about XXXX and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real Time Resolutions out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANT NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREUS AND STILL HAS YET TO RECEIVE ANY RESPONSES.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

In accordance with the Fair Credit Reporting act 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

The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would just like to complain about how stupid the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Equifax information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Dear Equifax, Re : XXXX XXXX account number # XXXX I am contacting you because I have found some information that is inaccurate on my credit report. The date you have this item reported as a charge-off doesnt match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX account number # XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this issue and remove or correct the inaccurate charge-off from my credit report. I would appreciate your prompt attention to this matter and request that you send me an updated copy of my credit report once the correction has been made. Thank you for your time and attention to this matter. Please contact me at XXXX if you need any further information to process my dispute. Sincerely, XXXX XXXX
Product: Mortgage

I 'm trying to drop my PMI insurance on an FHA loan. I currently owe {$34000.00} on the loan with the current value of the house at {$45000.00} leaving me with a ltv of 76.27 % the original value of the house was {$72000.00} leaving me with a value of 47.67 %.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX  and 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.