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

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Debt collection

I received a letter from Transworld Systems Inc. attempting to collect a debt on behalf of XXXX XXXX. The account # listed is XXXX. I do not owe anyone and don't want my credit report affected negatively. I am in the final stage of XXXX XXXX awaiting a XXXX I've been living with my family for years due to illness, this is not my account. Please cease attempting to collect any amounts from me. This is the first I've seen anything from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some negative items on my credit report and sent a dispute to the 3 CRA ( XXXX, XXXX, and experian ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my file. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$640.00}.
Product: Credit card

In XXXX and XXXX of XXXX I had two charges for XXXX XXXX  both for {$530.00} equaling out to be over {$1000.00}. I started the dispute. In XXXX on the XXXX, XXXX months later citizens bank sent me a rebill and when I called about the dispute they sent a letter stating I ordered from this company, details with my name being XXXX. I had tried to explain I am not XXXX and I have never received any products from this company. Also not a realtor. They basically told me there was nothing they could do. XXXX XXXX. I just figured I couldnt do anything else. And since my husband has been terminally ill and between working and trying to take care of him and had to run my business I forgot. Well tonight XX/XX/XXXX when I went to deposit more checks I logged into my account and now someone has taken {$3600.00} and {$2900.00} out of my checking account. Separate times. Called and every number to try to stop it and dispute it and nobody answered. I cant even cancel this card. I did however put a freeze on my card. How can a bank not have anyone to speak with and to stop card and also start dispute. I tried online and watched the videos and It still will not let start a dispute! These are huge transactions coming from my account. My husband is not an excuse but his last days being on hospice and I am completely exhausted and have no idea what to do. Froze the account since I cant even dispute online. Please please help me! I cant use this account now.
Product: Debt collection

A debt of {$350.00} has been reported by XXXX Credit Bureau. They never contacted me until they reported the debt. I told them that I had paid the company already in form of security deposit. When I started renting I paid a security deposit of {$650.00}. While they actually owe me money, they instead reported a debt to my account. They told me that they will check, but they didnt. Please remove this false debt from my account. Thanks.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I got a approved for a credit card through Prosper Marketplace - I ran it up, and do admit to owing what I had charged. Somehow I missed a payment and the charges added were what they were ( honestly don't remember )- I received several phone calls from them requesting payment - when I finally answered them it was the day before the next payment was due - the woman told me what I needed to pay in order for me to be brought current ( it was around {$170.00} ) - for which I immediately made payment online. I was under the impression this would bring me current to include the payment that was due ( the next day )- well, I learned a month later after missing another payment that there was another hefty payment due - my issue is, they won't work with you. They are hard to understand on the phone many times- they call and call and call you, alot of times on piggy back phone numbers ( spam - other caller id 's ) and I got frustrated with them and stopped answering as what they were doing to me is very close to the definition of harrassment - THEY JUST KEPT ADDING FEES - At this point I refuse to deal with them unless there is another party involved- I believe CFPB is their regulator thus why I am reporting - believe me, they already reported this on my credit which of course have sent ripples to my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a XXXX review of my personal credit report they did and when i review after their reviews i see that there is still incorrect information reported in my report that they did not see. 
In accordance with the fair credit reporting act, XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX and companies that access my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15.usc 1681 section 602a sec2 : it also states a consumer reporting agency can not furnish a account without my written instructions, i have been violated
Product: Student loan

I have made my monthly payments on time with Sallie Mae ; paying extra monthly. My balances of {$13000.00} is even more than what the loan was originally for {$12000.00}. So what Sallie Mae is doing is applying that extra money towards the next month instead of the principle balance. Next month I owe a total of {$3.00}. I was unaware that any extra payments would not automatically go towards my principle. I've asked Sallie Mae for any additional payments that I make be specifically applied towards my principle. I was advised today that they do not put additional payments towards principle only. Any extra payment in the month would continuously be applied towards interest. This keeps me and other consumers in debt. For example my monthly loan payment is {$150.00}. I paid an additional {$500.00}. {$58.00} was applied to principle. How can anyone pay their loans off? Was this a law put into effect and when in which a company can apply any extra payments how they feel fit. I have a list of companies that I am calling today to question how my payments are being applied and if they give me the same answer that Sallie Mae just did ; CFPB will be receiving a complaint on each and every one of those companies. This system here is not set up to benefit in anyway the consumer. It is set up for failure and someone has to step in. I would like clarification on this if possible. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial losses and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

We purchased our home 37 years ago ( XXXX ) for {$92000.00}. 
Planning for retirement, over the years, we bought 3 rental properties. 
In XXXX during The Financial Crisis we lost our employment and we defaulted on our obligations. 
When we regain our jobs, we hired " XXXX XXXX XXXX XXXX '' to help us restructure and modify the 4 mortgages. 
HERE IS WHERE THE NIGHTMARE STARTED AND IS STILL GOING ON... 
The XXXX XXXX XXXX had us faxing updated financial statements for 2 years they charged us {$10000.00} and produced absolutely nothing. See Attached E-Mails. 
It took 5 years to Modify the 4 Loans, adding an enormous amount of debt. 
Thing were getting worse by the day!!! 
We were served a Foreclosure Notice on one of the Properties ( XXXX XXXX XXXX ) We contested the Foreclosure, We went to Trial arguing the Financial Crisis have destroyed our lives. 
Lender, Servicer and the Courts made a very wise decision by reducing principal and interest by 50 %. 
The good news is that this Loan has been current ever since and is now in a very good financial health!!! 
The bad news is that the other 3 Properties are still straggling to stay alive. 
If this was not enough COVID made it much worse... 
We are asking Mr. COOPER for help. 
The Principal on this Loan has Ballooned during the XXXX Financial Crisis. 
We are retiring and we would like like to sell the property however the total amount due is just too high.
Product: Debt collection

Several fraudulent debt collection accounts are being reported on my XXXX XXXX XXXX XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Product: Bank account or service

I had to withdraw a sum of cash from my checking account with Bank of America. I had calculated how much I could with draw and cover an online debit against my account. I miscalculated. The debit occurred and overdrew my account by {$.00}. Bank of America sent me an email saying there would be no charge. Then they charged me {$35.00} and then an additional {$35.00} the next week for the overdraft. I have been a long time customer of Bank of America ; since they bought my original bank in the late XXXX. I have never complained. I called Bank of America. They refunded {$35.00} but refused to reimburse the additional {$35.00}. I find this highly excessive -- {$.00} overdrawn generates a {$35.00} fee. I spoke with a manager, XXXX XXXX, and he refused my request. This is beyond usurious. I am retired and on a fixed and limited income. I pay {$16.00} a month for the priviledge of allowing Bank of America to " manage '' my money. This is a drop of water to the XXXX dollar Federally regulated Bank of America corporate entity. It could have easily been remedied by XXXX XXXX but he stonewalled me with corporate policy ( that he would not provide me ) and the he was the final appeal for me on this issue ( although he did give me the name of his manager who I feel would have been an avenue for my appeal. )
Product: Money transfer, virtual currency, or money service

PayPal closed my account with a balance of +11k usd in for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /2017 Set up an account with Experian 's protectmyid.com. Saw that the current employer information on my report is ten years out of date. Tried to use Experian 's Dispute Online function but after filling out the form was taken to a page saying " We were unable to honor your request '' with no further recourse except for mailing a letter to them.
Product: Credit reporting

They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the W.George Bush law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.
Product: Payday loan, title loan, or personal loan

XXXX XXXX Assistant Vice President PNC Bank, Office of the Customer ( XXXX  ) XXXX XXXX Listed below are the fake deeds with mortgages held at PNC Bank. 

Instrument XXXX - states that the parcel ID # is XXXX Instrument XXXX - states that the parcel ID # is XXXX Both deeds reference address : XXXX XXXX XXXX XXXX, XXXX Neither of these deeds are actually related to XXXX XXXX XXXX which is actual parcel # XXXX Mortgage from fake deed Instrument XXXX - states that the parcel ID # is XXXX. 

This mortgage references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX as well as XXXX further along in the document. 





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

need all my account with my correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX 
. 
I try to dispute my address to all credit bureaus.
Product: Debt collection

THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE XXXX {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR XXXX XXXX WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO PORTFOLIO RECOVERY THIS ACCOUNT IS PAIDED IN FULL.
Product: Debt collection

NATIONAL CREDIT SYSTEM has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. NATIONAL CREDIT SYSTEMhas called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Credit reporting

I recently disputed XXXX XXXX XXXX XXXX for XXXX XXXX XXXX stating I applied for something on XXXX/XXXX/2016 and I did not.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX  Resident Verify XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/, 2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit card or prepaid card

this message is for bank of america. i was the victim of fraud and id theft and i want them to close the account. i will attach police report and ftc id theft report. i do not want to take any chances. also, they kept charging me high interest and fees on the card they then put me under a special program for the card after i complained about this some time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been disputing an account on my credit report with Covergent Outsourcing for several yrs. once again with them Ive asked for verification that it was my account such as a bill with my name etc. So on XX/XX/2021 I called and pd it through them. And then I started really inspecting it and looked at the dates so I called the actual company who they were supposed to be collecting the deft for and I dont owe them anything and didnt owe them anything. So the collected {$290.00} from me for something I never owed.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards of the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. Follow-up communication was initiated to inquire about the status of the correction process. Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays.Please help correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX