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

This is my second written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection. Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. 

Thank you.
Product: Credit card or prepaid card

My Discover credit card was fraudulently used last XXXX. In fact, Discover sent me a text informing me of this problem and I clicked I did not authorize this charge. It was apparently for a hotel in XXXX, WA. 

I thought I was done with the matter when a replacement card was sent to me. However, two months later, Discover billed me for the charge. I clearly clicked I did not authorize the charge, nor was I in XXXX at the time. Discover claims a copy of my driving license was given. I suspect someone obtained a copy of my license, but because the DL center is closed at the moment I have not been able to verify this. Earlier in the year I also had to provide a copy of my DL for two jobs I've been at and I have asked the police to look into those two places too. 

I will be obtaining new driving license numbers when they are reopened after the pandemic. 

I have filed numerous police reports and shared them with Discover. But Discover claimed the police " closed '' the reports, possibly because the police have other priority events, especially in the XXXX area. I hope at some point the police can go look at video footage of the supposed hotel involved in the fraudulent charge.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX account # XXXX and account number XXXX has violated my rights.15usc 1681 section 602 states I have the right to privacy.15usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written interactions 15usc 1666B.A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for and purpose.
Product: Credit card or prepaid card

I filed dispute with Discover on XX/XX/2021. The final resolution was due 90 days after the dispute. Discover reverse the credit for dispute without any explanation or giving me a chance to respond. Discover mishandled the dispute and reported me to Credit Bureau unfairly and damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts for XXXX were closed and the debt has been i paid in full, accounts show still owed
Product: Credit reporting

Transunion completed an investigation of XXXX # XXXX, XXXX. # XXXX, AND XXXX # XXXX ON XX/XX/2017 ON-LINE. 


THESE INVESTIGATIONS WERE INITIATED ON XX/XX/2017 ON-LINE.THE FCRA allows 30 days to verify or delete etc ... ..only XXXX of the accounts of the XXXX above has been deleted.PROOF IS ATTACHED BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a XXXXXXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' Diverse Funding LLC XXXX. Called Diverse Funding LLC and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX
Product: Payday loan, title loan, or personal loan

Credit Karma has sent me misleading offers about pre-approval for a car purchase. Which is not true, they have taken all my information and the alleged carvana company has denied me the pre-approval offered by credit Karma. they have made me lose time
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX v. XXXX Bank of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days. 

XXXX XXXX Please remove any false accounts from my credit report to prevent future financial implications. I request your immediate attention to this matter, as my credit report greatly affects me. I expect only factually accurate, verified, and compliant data to be documented. 


Experian/Equifax/Transunion are not evening investing my disputes. I want this account deleted immediately.
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 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 card or prepaid card

From : YouSent : Friday, XX/XX/2018 XXXX XXXX  ( ET ) To : XXXX XXXXSubject : FraudMessage ID:XXXX I am writing to let you know that I have reported you to the Consumer Financial Protection Bureau for fraud and usury. You have kept the finance charges lingering on the old balance on my account now for more almost 2 years. I know I have paid that balance off twice over but you still keep it there for whatever reason. I have spoken to your representatives on several occasions where they have stated that once that balance is gone that finance charge will go away. Now all of a sudden its on there until the entire balance is paid. XXXX XXXX!!! This is fraud plain an simple. I paid {$750.00} in the course of two months there is no way you can tell that that balance shouldn't be gone by now. I want it gone NOW! I am also going to call an attorney to see how many other customers are being ripped off by this " finance '' charge.

This is the 3rd time I have reached out to them for this same issue. I have been told on two previous occasions that once that balance was gone the second finance charge would be gone. That is obviously not the case as I was told today - XX/XX/2018 that I now need to pay off the entire balance. I have to believe this is fraud!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported my payment late in XXXX 0f 2023. I ask them to show proof i was late and they didnt respond. Dates of last payment are inaccurate.
Product: Debt collection

I paid the balance owed in this voluntary eviction on my behalf because employees were using my identity to commit fraud I was there in XXXX Florida from XXXX I filed in civil court XXXX XXXX a response to evict and the settlement was reached I was given the remaining balance I have sent correspondence for several years every year requesting that ( ideal collection XXXX XXXX XXXX XXXX where I lived be removed from my credit ) as per the attached screen shot of the payment on the XXXX XXXX website the account has been paid it is their confirmation and why it should have been removed from my credit report I would like to attach supporting documents however the link below is working as this is an important link to provide evidence please fix additionally your staff can research the case on the XXXX  website it XXXX a voluntary eviction Please respond via return XXXX XXXX p s. I have email, returned certified mail statements with supporting documents of the apartment complex being paid I sent to XXXX XXXX and XXXX XXXX the account be removed every year for the past few years.
Product: Debt collection

I C. SYSTEM ONCE AGAIN VIOLATED THE FCRA FDCPA, T.C.P.A. BY FAILING TO VALIDATE SAID DEBT AND WENT ON MY CREDIT REPORTS ANYWAY CALLED MY FAMILY MEMBERS 17 TIMES ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report by Experian, and I did not consent, nor authorized these transactions on my report. Unauthorized inquiries has been furnished on my consumer report which is a direct violation of 15 U.S.C 1681b ( c ) ( A ) ( B ) ( i ) ( 3 ) under the FCRA. This is also a violation of my right to privacy in accordance with 15 U.S.C 1681 ( a ) ( 4 ). Its your duty to accurately report information and as of now your not doing that and its impairing the efficiency of the banking system and causing harm to I the consumer and my consumer report.
Product: Student loan

I have been trying to get a income driven repayment plan thru Navient for over a year now and I have sent in all the paperwork and Prof of income multiple times to a fax number given to me by a navient service representative. And they have misplaced it more than once. They keep putting me on a deferment each time I call to check the status of my application which gathers interest and yet they keep telling me it has n't been processed. But when I called today XX/XX/2017 they told me it was denied in XXXX because they miss placed my income papers and I have been in contact more than once since XXXX and was never told it was denied and each time I get put on a deference. No emails calls or letter were received telling me it was denied. Just call harassing me about my payment being late. Now they are asking for more than {$400.00} a month for payments when they misplaced my paper work and ignored all of my emails.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - Request credit bureau investigation - not my account XX/XX/XXXX - received completed credit bureau investigation report - stating that it does belong to me and if I have questions contact : XXXX XXXX, XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX - left several messages ( no live representative to speak with ) ... 

This is hurting my credit score and credit worthiness - what do i need to do to get this frivolous account removed from XXXX, XXXX and XXXX credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report and do not have contracts with them.
Product: Debt collection

I am writing to file a formal complaint against Huelson Law Firm , LLC, a debt collection company that has failed to validate a debt they claim I owe and has not responded to my inquiry regarding a potential " paid to delete '' arrangement. Despite multiple attempts to contact them via certified mail, phone calls, and emails, I have not received any response or validation of the alleged debt. 

On XX/XX/2023, I sent a certified letter to Huelson Law Firm , LLC requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response or proof of the alleged debt from the company. 

In the same certified letter, I also expressed my interest in discussing a " paid to delete '' arrangement to resolve the outstanding debt, if validated, and have it removed from my credit report upon payment. However, Huelson Law Firm , LLC has not provided any response or indication of their willingness to consider such an arrangement. 

Additionally, I have made several attempts to contact Huelson Law Firm , LLC via phone, but have been unable to speak with a representative. I have also sent an email to their customer service email address XXXX on XX/XX/2023, but have not received any reply. 

This lack of communication and failure to validate the debt is causing undue stress and negatively impacting my credit report. I request that the CFPB investigate this matter and take appropriate action against Huelson Law Firm , LLC for their non-compliance with the FDCPA. 

Please find attached copies of the following documents to support my complaint : 1. A copy of the certified letter sent to Huelson Law Firm , LLC requesting debt validation and expressing interest in a " paid to delete '' arrangement. 
2. Proof of delivery for the certified letter. 
3. A copy of the email sent to XXXX requesting debt validation and discussing a " paid to delete '' arrangement. 

Any additional documentation or correspondence related to the debt in question. 
I appreciate the CFPB 's assistance in resolving this issue and protecting my consumer rights. Please do not hesitate to contact me if you require any additional information or clarification
Product: Mortgage

when Newrez took over servicing the mortgage about a year ago, the invoices did not arrive until about 7 days prior to due date. For the past 4-5 months I have not received an invoice and I have called each time. Each time, including as recently as this morning I was told that they would email me a copy of the invoice and have never done so. 

I am entitled to receive a monthly invoice and they just blow me off. This morning I spoke with XXXX XXXX and she assured me I would get a copy of the invoice. I should not have to call each month when I realize that I have not received one. They really push paying on line and I am not comfortable doing that and I believe they are trying to force on-line or ach payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time.

Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements.

Account Details : Account Number : XXXX High Balance : {$15000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Personal Loan Companies Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : 80 Months Two-Year Payment History : XXXX late payment noted for XX/XX/XXXX ; XXXX late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported XXXX and XXXX late payments are erroneous. 
Inconsistent " Date Opened '' and " Date Reported '' compared to prior records. 
Requested Resolution : I request that Experian conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of 100 % on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Hi my name is XXXX XXXX I sold my property the end of XXXX XXXX of this year paid my XXXX XXXX   bill like normal did not know I still owed some money to this company.. never received any statement saying I owe them more money.. The amount was only {$58.00} but a time I got this bill from Financial Credit Network to my new address this bill was already in collections I paid the amount.. contacted the company respectfully told him to delete this collections off my credit report.. they said that they wouldnt take it off my account that I needed to prove that I forward my mail to that current location.. The lady from this company was pretty much telling me that she needs an exclamation why was I hiding to pay this bill.. when I told her when I received this bill I contact you guys and paid it in full. So I am respectfully requesting a letter from Financial Credit Network stating that the negative credit information ( from Financial Credit Network ) will be removed with the credit reporting agencies.

this is the number to this company XXXX XXXX XXXX XXXX. PS thank you..
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a loan from Avant. I started payments on XX/XX/XXXX. The contract was for 36 payments of {$200.00}. In XXXX of XXXX I received an email offering assistance due to the Pnademic, offerring to postpone 3 payments to the end of the loan. Because I was not working at the time, I accepted the offer. I have already made 35 payments of the 36, the next schedule payment is for XX/XX/XXXX XXXX which I thought it was going to be the last payment. I checked the account to make sure it was correct, but I see a balance of {$740.00} on the account. When I called, I was told that this was because of interest on the deferred payments. This was never disclosed to me when the deferrement was offered. I did not know they were going to charge me over {$500.00} in interest for what they offered. When I called, I asked to speak to a supervisor, and was told one was not available to speak to me. I explained to the gentleman I spoke to that the payment for XX/XX/XXXX should be 36th payment on my account according to my 36 month contract, and he stated I have to pay the rest to satisfy the account.
Product: Credit reporting or other personal consumer reports

I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Product: Debt collection

DIVERSE FUNDING BOUGHT A DEBT AND RE-AGED IT. TODAY, WE WENT TO COURT TO DISPUTE THIS, WHEN I SERVED THE ATTORNEY FOR DIVERSE FUNDING PAPERS FOR A COUNTER SUIT HE THROUGH IT OUT HIS CAR WINDOW AND YELLED " YOU CAN XXXX '' VERY UNPROFESSIONAL. WHEN THEY WENT INTO THE COURT ROOM THEY DID NOT EVEN HAVE A CASE FILE FOR ME DUE TO THE FACT THIS DEBT IS SO OLD.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. EXPERIAN UNATHORIZED FRAUDULENT INQUIRIES : XXXX XXXX  XXXX XXXX