23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The credit bureau and the collection companies have willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report. I sent the companies a 1692G ( b ) letter requesting specific information however they did not provide the information to me and instead they decided to willfully violate the Fair Debt Collection Practices Act. Thank you.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am disputing certain inquiries listed on my credit report that I believe are inaccurate and may result from unauthorized access to my credit information. I did not authorize these inquiries. 
CONSUMER FINANCIAL S 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX I received a notification on my XXXX XXXX account that XXXX XXXX is reporting on my credit the account as a repossession when they do not have possession of the vehicle, that is illegal to be reporting inaccurate information to the bureaus. In that matter I am not responsible for any debt for this company. I need them to show proof of my signatures stating that the vehicle has been repossessed. They are now committing identity fraud and violating my rights by knowingly furnishing information on my credit report that they weren't prvivied to. I do not owe XXXX XXXX anything. They have also put a block on my license which is also illegal.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$85.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts opened with 3 companies that I need to be verified. 

I have an account with XXXX XXXX showing that I owe the amount of {$750.00}. My credit report shows that I opened this account on XX/XX/XXXX. 

I have an account with XXXX XXXX that was assigned on XX/XX/XXXX from a cable/cellular company showing that I owe the amount of {$220.00}. 

I also have an account with XXXX, XXXX that was assigned on XX/XX/XXXX from a cable or cellular company showing that I owe the amount of {$1200.00}. 

I will need written contracts with my signature from these companies showing that I agreed to pay them these amounts.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX constantly threatens to foreclose on my property. B of A owns the second deed of trust on my property and has hired XXXX XXXX XXXX XXXX XXXX. I tried to do a loan modification with B of A but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XXXX/XXXX/XXXX through the XXXX Bankruptcy XXXX case # XXXX, I was XXXX of my debts under Chapter XXXX ( including the second deed of trust ) under section XXXX of title XXXX XXXX Code ( the Bankruptcy XXXX XXXX. On XXXX/XXXX/XXXX, XXXX XXXX XXXX sent me a letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a priority Mail XXXX slip from the XXXX from this debt collector. This is just XXXX examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt XXXX B of A has used in the past.
Product: Debt collection

I am writing to file a formal complaint against Gurstel Law Firm regarding their debt collection practices, which I believe are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Nevada state laws. 

Background : Alleged Prior Contact : Gurstel Law Firm claims to have contacted me in XX/XX/XXXX ; however, I did not receive any communicationneither a call nor a letterduring that time. My first interaction with them was in XX/XX/XXXX, when I settled a previous debt. 

Lack of Written Notice : Under the FDCPA, debt collectors are required to send a written notice of the debt within five days after the initial communication. Gurstel Law Firm failed to provide such notice, which constitutes a violation of federal law. 

Delayed Legal Documentation : A court order dated XX/XX/XXXX, was sent via USPS, with the envelope postmarked XX/XX/XXXX. Considering we reside in the same county, this delay appears intentional, potentially to limit my response time. 

Inconsistent Service Methods : Previously, Gurstel Law Firm delivered court documents in person through a process server. This time, no such attempt was made, indicating a deviation from standard procedures. 

Intent to Garnish Bank Account : I received a letter from the Constable 's Office, XXXX XXXX XXXX XXXX XXXX XXXX, indicating a debt amount of {$7800.00}, with a judgment entered for {$8000.00}. The letter states their intent to garnish my bank account, causing significant distress. 

Personal Circumstances : 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 

Financial Hardship : I am currently unemployed with no consistent income. 

Violations and Concerns : FDCPA Violations : Gurstel Law Firm 's failure to provide timely written notice and their intent to proceed with garnishment despite my financial hardship may constitute violations of the FDCPA.

Nevada State Law Violations : Their actions may also infringe upon Nevada 's debt collection laws, which prohibit abusive and deceptive practices. 

Request for Relief : I respectfully request the CFPB to investigate Gurstel Law Firm 's practices concerning my case. Specifically, I seek : Immediate Suspension of Garnishment Actions : To prevent further financial hardship. 

Compliance Review : To ensure Gurstel Law Firm adheres to both federal and state debt collection laws. 

Formal Acknowledgment : Of my current financial and health circumstances, with appropriate adjustments to any collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the following accounts be verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Manager XXXX XXXX ; Hi & How are you doing? Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Debt collection

I received a notification alert from XXXX regarding a collection acc # XXXX. I immediately contacted XXXX about this issue and explained to them that I did not open this account and this account is very much fraudulent because I am a victim of identity theft. XXXX told me to contact the collection agency or file a police report. I contacted the collection agency and they failed to provide information about the debt. I was not notified of this debt by the collection agency or original company. I have not knowledge of this debt and I am a victim of identity theft. The debt is in the amount of {$1100.00}. The collection agency name is MRS Associates. This is also indirect communication because no one contacted me in regards to this alleged debt owed.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against The Moore Law Group, XXXX for committing Identity Theft. I have never given The Moore Law Group, XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with UCC Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until The Moore Law Group, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and The Moore Law Group, XXXX continues its collection efforts, I will file for litigation for actual damages caused, and The Moore Law Group, XXXX will be held criminally liable for aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Account # : XXXX Reference # : XXXX
Product: Debt collection

XXXX XXXX repeatedly called my parents house in regards to a medical bill that was a few days late for my wife. My parents notified them all 3xs that this was not my wife 's house and please do not call the number again. XXXX XXXX even informed my parents that this was a XXXX bill debit collection.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, I went to my XXXX XXXX XXXX. I went to the customer service center to purchase two money orders. Upon letting the cashier know that I wanted to purchase two money orders, the store associate ( XXXX ) told me that she would not help me. Upon asking her why, she said that store management has decided to implement a policy against XXXX persons and people who look like me. I asked to speak to the manager ( XXXX ) who said that particular store did not provide customer service to XXXX.
Product: Credit reporting or other personal consumer reports

This company is reporting a fraudulent account they sold the debt to ability recovery and now they are reporting, they are knowingly reporting a fraudulent account
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.
Product: Money transfer, virtual currency, or money service

I've been using PayPal as a payment processor for a long time. I appreciate PayPal because of the security and a lot of vendors use PayPal as a secure payment processor. PayPal refuses to allow me to use their service because I disputed a transaction.
Product: Credit reporting or other personal consumer reports

I am writing regarding an ongoing issue with inaccurate information reported by Affirm , Inc. on my credit report. As you may be aware, I previously disputed this information, and Affirm ruled in my favor, confirming that the reported information was incorrect.

However, despite this favorable ruling, the inaccurate information remains on my credit report due to either an outdated or erroneous statement provided by Affirm to the credit reporting agencies. This incorrect reporting is unjustly damaging my creditworthiness and causing significant distress.

To resolve this matter amicably and avoid further escalation, I am proposing the following settlement : 1. Immediate Correction or Deletion : I request that Affirm immediately update or delete the inaccurate information on my credit report with all credit reporting agencies.

2. Written Confirmation : I request written confirmation from Affirm that the necessary corrections have been made and that no further inaccurate information will be reported regarding this account.

3. Expedited Handling : Given that Affirm has already ruled in my favor, I request that this matter be treated as a priority and resolved within 14 days of receipt of this letter.

Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Rhode Island Fair Credit Reporting Act ( RIFCRA ). I have also consulted with an attorney regarding this matter. If this issue is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I am considering legal action to enforce my rights and seek damages for any harm caused by this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an installment loan for {$3000.00} from  Cash Central  at an APR interest of 183.44 %. Beginning on   XXXX  , I agreed to make bi-weekly payments each month for 24 months or until the loan is satisfied. I made all my payments all the way through    XXXX   XXXX   XXXX    when I paid off the loan, in full, with a lump sum payment of {$3000.00}. I chose to pay off the loan early to save money not paying interest, plus my principal loan balance was actually more than the original {$3000.00} even after paying 34 consecutive payments of {$220.00}. However, by paying off the loan in full,  Cash Central  suddenly began reporting the account as being in collections/charge-off along with reporting random months during the loan as being late. I believe that because I paid off the loan with a {$3000.00} payment, they assume the account must have been in collections. Thereafter, every time I disputed the information reported to the bureaus with proof payments for any month  Cash Central c laimed late, they would correct those months but choose  4  different months as being late. Also, while the account was closed on   XXXX   XXXX   XXXX   when I paid off the loan, Cash Central is still reporting Charge-offs for   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . No matter how many times I have proven  Cash Central 's   reporting as ethically wrong, they either change a small detail on the reporting or no longer change their reporting at all. I have run out of options  s I  have invested countless hours disputing this account to no avail, even after paying around {$10000.00} on a {$3000.00} loan just to have it reported as a collection/charge-off.
Product: Debt collection

Ocwen # XXXX was listed on my credit report ( last date reported ) XXXX, XXXX and should not have been due to foreclosure date of XX/XX/XXXX. After 7 years, Ocwen should not have reported this debt and should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XX/XX/XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.
Product: Debt collection

I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX They told me that they purchased the account from XXXX XXXXXXXX XXXX. I was instructed to pay the amount due within 30 days or they would report it to the credit bureau. I paid the amount due and received a letter of satisfaction. 

The status is being reported as unknown in place of paid in full. 

XXXX credit stated that they did not report to the credit bureaus so I needed to contact XXXX XXXXXXXX XXXX  who last reported to make the changes. 

I attached letter of satisfaction.
Product: Debt collection

Back in XXXX  i was trying to purchase a condo, they told me if I dont make an arrengment with them of payment my credit has gone to badbebt credit burue I had to make payment arrengment with account that I don know about nor they show mw proof of account due by me and it was reguested am still paying to Porfolio collecting
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX