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

I am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones. 
2. Review and rectify the status of charge-offs, removing any inaccuracies. 
Investigate the unauthorized inquiries and remove them from my credit report. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$880.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX In this letter of denial of a rental, I was informed that my rental history was unsatisfactory or insufficient. In the email they indicated that that that information was obtained from Equifax Credit Bureau. 

I pulled my credit report from Equifax. There was no rental history listed. In my investigation of this information, I read that Landlords are not considered creditors and therefor do not necessary report such things. However, I was told that that was where it was obtained. I have no idea why when I pulled my credit report it was not there. 

Additionally, the apartment complexed used XXXX XXXX XXXX. The Apartment obtained my AI score from XXXX XXXX. Amazing! XXXX XXXX also reported inaccuracy in my credit report relating to my addresses, and gave a criminal background check to the Apartment. The XXXX were from XXXX and XXXX were reported to XXXX XXXX by XXXX XXXX XXXX XXXX. 

So I guess I want to report all three companies. I am not sure where XXXX XXXX XXXX XXXX are located ; however, they have a D with the XXXX 

The XXXX XXXX is located at XXXX XXXX XXXX. XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These financial institutions are in violation of granting me my right to " opt out '' from reporting my non public personal information to a nonaffiliated third party without my written consent. Nonaffiliated third parties being XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Discover Bank account number beginning with XXXX, also XXXX XXXX account number beginning with XXXX. I tried to opt out but they refused but now I am showing the laws that they are breaking and the fraud that they are committing to me the consumer. The law states that they need my written consent to give my non public personal information to a nonaffiliated third party as mentioned above. For the record I did not give my written consent to any of these financial institutions to disclose my non public personal information to these nonaffiliated third parties. Which they give my transaction history as well which is also non public personal information. Also a violation of the privacy act of 1974. And identity theft.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I've noticed several inaccuracies on my account. Which are hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking to be verified as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Loan ending in # XXXX. We were told ( several times ) that there was never a loan interest rate of 3.625 % at the time of our application on a investment property. Why then did we receive two commitment letters, one dated XX/XX/18 and the other XXXX dated XX/XX/2018.
Product: Debt collection

Subject : Formal Dispute and Demand for Deletion of Unverified Debt Violation of the FDCPA & FCRA To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting to the credit bureaus under my name. This account is currently appearing on my credit report and is severely impacting my ability to obtain credit and secure stable housing for my family. 

Upon review of my records, I have not received any prior communication from your company regarding this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide written notice of a debt within five days of initial communication, including the amount of the debt and the name of the original creditor. Failure to do so constitutes a violation of my consumer rights.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a furnisher of information must ensure that any reported debt is accurate, complete, and verifiable. You are also required to conduct a reasonable investigation if a dispute is filed. Since you have neither provided proper validation nor obtained my express consent to report this debt, you are in direct violation of the FCRA. The legal precedent in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) establishes that a debt collector can not furnish information to credit reporting agencies without a permissible purpose. 

Given these violations, I demand the following : 1. Immediate cessation of reporting this unverified debt to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Deletion of this account from my credit reports due to failure to provide validation in compliance with federal law.

3. Written confirmation that you have ceased collection activities and removed this account from my credit file.

Failure to comply with these demands will result in the filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Additionally, I reserve the right to pursue legal action against your company for violations of the FDCPA and FCRA, which could result in statutory damages, attorney fees, and other legal remedies. 

I expect a written response within 30 days of this letters receipt. Please consider this notice as a formal dispute under both the FDCPA and FCRA. Any further reporting of this debt without proper validation will be seen as continued non-compliance and subject to legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Temporary lifted security freeze at all 3 credit reporting agencies. XX/XX/2019 to XX/XX/2019. Made my new car purchase on XX/XX/2019. Contacted all 3 companies to reinstate freeze, but Experian made it impossible. Other two companies EXCELLENT in process. But when you try to contact a human at Experian, it is next to impossible at both XXXX or XXXX pushing the old 00000 got you no where and saying " representative '' didnt work either. Once human contact was made, was advised I had to honor the dates requested leaving me wide open for fraud. Refused to assist or give me supervisor and eventually hung up. NO COMPANY SHOULD HAVE THIS POWER WITHOUT RESTRICTIONS!
Product: Mortgage

I am writing to formally express my frustration and disappointment regarding the complete lack of attention and assistance in resolving an alleged deficiency of {$11000.00} on my mortgage account. Despite my repeated efforts to address this matter over the past 3months, I have been met with delays, dropped calls, and an utter lack of accountability from Selene Finance XXXX 

Here is a summary of my attempts to resolve this issue : XXXX. I have made 12 phone calls to the customer service department, during which I was disconnected 3 times during transfers. 
XXXX. I requested a callback from a supervisor, which I was assured would happen, but to date, no one has followed up with me. 
XXXX. I have sent the same email requesting assistance approximately 20 times, yet I have not received any substantive response or resolution. 

This lack of responsiveness is unacceptable, especially for an issue of this magnitude. The continued failure to address my concerns is causing unnecessary stress and leaves me questioning Selene Finances commitment to customer service and ethical business practices. 

I trust you will treat this matter with the urgency and seriousness it deserves. I look forward to resolving this matter.
Product: Credit card or prepaid card

The card XXXX XXXXXXXX XXXX XXXX was purchased in XX/XX/2022 and used once to purchase a 1 year subscription to the paramount streaming service. 
The card has been locked up and not used or accessible to anyone since first use. 
Tried to use the card for a purchase on the XXXXXXXX XXXX XXXXXX/XX/2022 and it was declined. When I logged into the card issuer website I found that a fraudulent charge was placed using the card to purchase XXXX gift cards on XX/XX/2022. 
I contacted XXXX and gave them the purchase info and verified that the purchase had nothing to do with me. 
The fraudulent charge was causing my attempted purchase to be declined Contacted the card company ( XXXXXXXX ) on XXXX XX/XX/2022. Was made to enter the card number multiple times then the cvv number multiple times before being placed on hold for 1 hour. When call was finally answered I explained the issue and was told an email would be sent within 5 minutes requesting the information needed to process my dispute but he email was never received. 
Called company again that same day. Same issue with card number and cvv number needing to be entered multiple times. When call was answered after 30 minutes hold time I started to explain that I had not received the email and was being told that it would be 60 to 90 days until a complaint could be pursued and when I started saying that I felt that was unacceptable the call was disconnected from their end. 

The process and hold times needed to contact the company makes it very difficult.
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 Vi olations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective o
f my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE ACCOUNTS THAT I HAVE NOT OPENED WITH ANY OF THESE AGENCIES. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. 

XXXX # XXXX - {$13000.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. THIS ACCOUNT IS NOT MINE. XXXX NEVER FILED AND CLAIMED AS BAD DEBT BECAUSE ACCOUNT IS FRAUDE XXXX XXXXXXXX XXXX # XXXX {$3600.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. COMPANY FAILED TO PROVIDE WET INK SIGNATURE CONTRACT PURSUANT TO SECTION 609A OF THE FCRA. 
XXXX XXXX XXXX # XXXX {$19000.00} THIS ACCOUNT IS FRAUD, SECTION 605B REQUIRES TO PROMPTLY DELETE WITHIN 4 BUSINESS DAYS. COMPANY FAILED TO PROVED WET INK SIGNATURE CONTRACT. NO 1099C FILED TO CLAIM AS BAD DEBT BECAUSE ACCOUNT IS FRAUD. XXXX XXXX XXXX IS NOW COMMITTING FRAUD. 
XXXX XXXX # XXXX {$4000.00} THIS ACCOUNT IS INVOLVED IN LITITGATION XXXX 
XXXX XXXX XXXX # XXXX THIS ACCOUNT IS INVOLVED IN LITIGATION. 
XXXX XXXX XXXX # XXXX - {$550.00} THIS ACCOUNT IS FRAUDULENT, DELETE WITHIN 4 BUSINESS DAYS XXXXXXXX XXXX # XXXX XXXX THIS ACCOUNT IS INVOLVED IN LITITGATION. THIS ACCOUNT IS NOT MINE. THIS ACCOUNT WAS CHARGED OFF. 1099C NEVER FILED ON CREDITOR TAX RETURN WHICH IS FRAUD. CREDITOR CAN NOT PROVIDE COPY OF WET INK SIGNATURE CONTRACT
Product: Credit reporting or other personal consumer reports

Disputed to have accounts removed. information was leaked out to several datd leaks with several companies.
Product: Mortgage

Please restrain yourself from making absolutely useless regulations - or preferably any regulations. EXAMPLE. I have had a closing delayed by over three weeks and now found out that I need to wait an additional three days to close because of your regulations. This is costing me thousands of dollars in hotel costs and animal boarding costs for absolutely no reason. And the lender is so afraid of your omnipotent and unrestrained powers that they wo n't do the sensible thing and just let me close the blessed deal. You will never be able to protect stupid people from doing stupid things and the rest of us who know what we are doing do not need or want your supposed protection. If you have to do something to keep yourself busy, just give data and information. If it 's useful, then I can choose whether or not to use you instead of forcing me to vote XXXX so that you will be defunded.
Product: Debt collection

I filed a complaint 4-5 yrs ago with FTC re ; Midland Credit Management LLC They had purchased some of my old debt after we had a financial hardship. Midland Credit Management kept doubling and tripling the amounts owed, so I complained. Maybe a year or so after my FTC complaint Midland Credit Management sent me letters for each account and was told they were being removed from my credit reports, and they were. I have not herd from then since, more than 3yrs. Now XX/XX/2017 I start receiving notices from them for XXXX credit cards, ( XXXX & XXXX ) XXXX is a XXXX/paid the other is very high and not a correct amount, I know it is less. I tried making a arrangement with them but it was n't good enough. I explained that I am on XXXX and I do n't earn much from that but I be willing to make small payments each month plus I wanted the amount owed looked into. They were trying to get me to agree to a 'temporary ' payment plan every 90 days, I was like why? My offer amount was n't good enough to put on a Payment Plan I was told. They also wanted my banking info before they could send me a letter confirming the arrangement, which I said NO. This company is just one horror story after another and I will not try working with them again. I have made slow but steady progress in making good on old debt and the agencies I 've dealt with have been very good. But Midland Credit Management is terrible. They twist there words around while you speak to them and at times I had to ask them to repeat themselves because they are hard to understand, plus its not even the United States I 'm connected too ... what 's up with that? Three different people, three different countries I 'm speaking too. My old complaint was how they took a bill for XXXX and turned it into a bill for XXXX in the course of 3 months ... only to be told by a rep, well we just received it and be thankful we can make an offer for at least XXXX ... .seriously? Again I do n't have a problem making good on my debt, even on XXXX I 'm trying, but I will not allow Midland Credit Management to rake me over the coals. I will never give them my banking info, how can thousands of complaints against them be wrong? Thank You
Product: Debt collection

The apartment complex is claiming that I owe them a debt, which I believe to be unjustified. 

I have repeatedly requested a detailed, itemized statement from the apartment complex that explains the charges and provides a breakdown of what I allegedly owe. Despite my requests, they have refused to provide this information to me. I believe that this refusal is both unfair and a violation of my rights as a consumer. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist me in resolving this dispute. I am concerned that this unfounded debt claim could negatively impact my credit report and financial standing.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received 2 wire deposits through Cash App one in the amount of {$150.00}, the other amount was {$300.00}. I cashed out {$300.00} the same day XX/XX/XXXX. I had a remaining balance of {$150.00}. The next day, XX/XX/XXXX, I received another {$150.00} deposit bringing my total to {$300.00}. I still had not cashed out the {$300.00} in my account so that is what remained in my account. XX/XX/XXXX I received another deposit in the amount of {$210.00} bringing my tota balancel to {$510.00}. I cashed out {$210.00} what should have left a balance of {$300.00} instead I had a balance of {$94.00}. I quickly attempted to reach out to the cash app folks, but they work on a 24/48 hour automated email response system. During this entire ordeal, I never spoke with a life person. 
I even sent them documentation showing the footprint of transactions and how i never received anything from Cash App stating i had cashed out the money. Over a week or so, I exchanged emails with Cash App to no avail. I did learn through one of their affiliates z XXXX XXXX  in Iowa, Cash App is notorious for stealing people 's money and hiding behind emails. 
The last and final email came XX/XX/XXXX with them saying they could noter any assistance I never received any explanation of where the money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FCRA XXXX  XXXX  INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had contacted them about deleting  XXXX   XXXX  with documents from the settlement of the Class Action lawsuit I had been a member of and after several attempts of submitting these documents, the  XXXX   XXXX  is NOT deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against XXXX consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with XXXX consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to XXXX consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to XXXX consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop XXXX points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on XXXX  XXXX  they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.