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

I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXXXXXX XXXX  sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX, XXXX, and XXXX, then in XXXX XXXX. I sent certified to credit bureaus and to XXXX, XXXX XXXX requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, .... 
Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required XXXX report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Central Financial Control / Syndicated Office Systems put a collections account for XXXX $ on all XXXX of my credit reports XXXX / XXXX / XXXX back on XX/XX/XXXX. 

They had not sent me a notice of right to dispute. When i contacted the collections agency requesting verification of debt they never sent me a debt validation letter. Furthermore they contacted family members including my brother and threatened legal action to collect this debt which they never verified. 

I disputed these debts with the credit agencies XX/XX/XXXX and they decided to verify them without any justification or reasoning.
Product: Credit reporting or other personal consumer reports

The credit limit and/or high balance are/is incorrect This account is too old to be on my credit report The amounts, other than balance and/or past due, are incorrect The balance and/or past due are/is incorrect The dates on this account are incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.
Product: Debt collection

Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over 23,000.00 dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact XXXX XXXX. XXXX XXXX sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and XXXX XXXX accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with XXXX XXXX. To no avail, XXXX XXXX  is suing me for deficiency of payment. XXXX XXXX  has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both XXXX XXXX and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.
Product: Mortgage

Yes XXXX transferred my mom 's tip XXXX mortgage over to Rushmore because it was 8 months behind my mom put in with XXXX a modification for a loan they denied her because she didn't meet the minimum Financial criteria I told them that you guys wave the minimum Financial criteria to give her the loan but yet you won't weigh the minimum Financial criteria to help her modify the home XXXX gave her a modification so you guys can too and then they didn't even respond to me till 5 months later and then they said we're going to deny the modification because now you are over a year behind I said you guys have caused this situation to be over a year behind yourselves because after I told you guys about the minimum Financial criteria you chose to keep that application for four and a half months later they kept on harassing my mom my mom was bedroom she got put in a coma took her to the hospital for induce stress because these people would call her at the hospital at the house send her letters every day and she was crying to them I want to keep my house but they just wouldn't help her after she passed away I told them my mom passed away they said sorry for your loss and then in XXXX I gave them a check for {$35000.00} and change they sent it back to me and said this was not a certified check and they're not going to accept it it was an XXXX XXXX check it had numbers on the bottom certification numbers guarantee and payment of this check I told them that there's nothing in the contract stating we can't write checks because we written checks before what is the issue they gave no response they just sent the check back with a little note saying this must be a payoff but you have to send a certified funds so they they refuse my payment and we haven't really talked since then you know you know for them to refuse a {$35000.00} payment sent it back to me obviously it tells me they don't want the money and then XXXX is trying to foreclose right now but they don't list Rushmore is a plane if either so XXXX is saying one thing to the judge XXXX is saying another and nothing is making sense they shouldn't even happen in the first place they should accept it the {$35000.00} check and we wouldn't be in this situation it doesn't have to be certified funds it does not stay in the rules it has to be certified funds we sent checks before they're just doing that to make a bigger commission so when the house were closes they make a bigger profit I told them I would start from the beginning if they avoid all the past due payments I would pay everything current they said nope so this is where
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX XXXX currently have a XXXX account and unauthorized inquiries appearing on my credit report. 

Account XXXX XXXX XXXX XXXX {$160.00} Inquiries XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, Transunion, and XXXX regarding inaccuracies on my credit report with the debt collector XXXX XXXX. The account is still reflecting inaccurate information after requesting for removal due to the inaccuracies. 

Scheduled payment, terms, payment status, and worst delinquent status are all reporting different across the credit agencies.
Product: Credit card or prepaid card

On XX/XX/XXXX someone used our Bank of America Visa card number to charge {$1000.00} for a body building XXXX drink supplement ( Grocery category ). Bank of America recognized this as fraud and quickly contacted us and issued us new cards and reversed that one charge. Shortly after that transaction there were two smaller charges that were also fraudulent/not done by us. Both were on XX/XX/XXXX with merchants that appear to have no online shopping presence. One of them was In Connecticut by the shore ( {$50.00} - XXXX - XXXX - but the " online '' store feature is not setup yet ) and one was in Florida ( {$30.00} - XXXX XXXX, XXXX, FL - no website ) so it looks like these were point of sale transactions. We contacted Bank of America to dispute these two charges as well, but the rude representative and her supervisor claimed at least one was done " with a chip '' so it had to be us. A reasonable person would conclude that since there was a fraud/stolen credit card number within that same week timeframe that it is indeed possible there might be more than one fraudulent charge, especially since two were done 1,200 miles apart on the same transaction day. 

We were in XXXX Connecticut on XX/XX/XXXX and in New Hampshire on XX/XX/XXXX with both of our cards so the Florida charge is obviously a fraud. The " facts '' were relayed to Bank of America and they were provided with a transaction receipt from another credit card company showing we purchased gasoline in New Hampshire on XX/XX/XXXX - faxed them documentation. This is the first time we have ever had a credit card company basically insinuate we were lying and made the charges. We both work for a state Judicial Department and are age XXXX with credit ratings of over 860 and will file a small claims case in court if necessary against Bank of America and will also contact the consumer advocate at a local TV station. I realize it 's only two small charges totaling {$80.00}, however Bank of America seems to have a lot of complaints from people in our situation so it 's a matter of principle. 

I placed another ( third ) call on XX/XX/XXXX and this representative was professional but still no resolution yet, hence this complaint.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I contacted XXXX University on XXXX XXXX, XXXX and requested to have an Official Transcript be sent directly to a potential employer ( XXXX XXXX XXXX XXXX XXXX ). 
When I had n't heard from XXXX University and received an email from the potential employer regarding items in my " To Do List '' I sent a follow-up email to XXXX University on XXXX XXXX, XXXX and was informed there is a transcript " hold '' on my account. Once I contacted the Business Office I was told I had an outstanding balance that dated back to XXXX. 

The problem with this is I graduated in XXXX XXXX and received a refund from XXXX University for the same amount they are now telling me I owe them. I recall getting the refund well because it was direct deposited into my savings account and I called the school to verify this refund was n't an error because the last thing I wanted was to spend funds that were n't owed to me and create another bill for myself. When I called they explained every 3 to 5 years they audit their books and determined I over paid in XXXX In addition, I never received a bill from XXXX University .
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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

West Central Texas Collection Bureau ; As I have not heard back from you in over 60 days regarding my notice of dispute dated XX/XX/year>, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I never received any calls, or letters prior to this collection being placed on my credit report. I have repeatedly attempted to contact your establishment for over two years via mail, phone, and email with no resolution. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 usc 1692 ( e ) and 15 usc 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in the state of Texas. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act. After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff 's office in your county and I will begin the process of attaching property or funds to satisfy the judgment. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states 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. Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and North Carolina Child Support Agency are financial institutions by definition under that title. 15 USC1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Equifax, XXXX, and XXXX have failed to uphold this consumer protection law on my behalf as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and North Carolina Child Support Agency are financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX XXXX not have my consent to furnish this information and they surely did/do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' No explanation was ever given to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and North Carolina Child Support Agency never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' These accounts ( and several of the inquiries ) are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 16812 ( A ) ( 1 ) A states " 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. They have adequate reason and cause to believe that the information they are reporting is inaccurate because I have written and disputed their reports on several occasions.