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

On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, XXXX, Transunion, XXXX, XXXX, LCI, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on my credit file.
Product: Credit card

I took a look at my consumer reports and saw late payments being reported by this company for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act capital one accounting # XXXX, has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15 USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 instruction.
Product: Money transfer, virtual currency, or money service

I had attended a a convention in XXXX XXXX XX/XX/year> - XX/XX/year>. During my first night after back to back meetings i found myself at the XXXXXXXX XXXX XXXX  I left my phone on the slot machine and headed to my room. I didn't realize i did not have my phone until the next morning when i could not locate it and from my work laptop i was able to see that there were transactions being made. I do remember during my time on the XXXX XXXX there being a lot of people. i was going in and out of my phone to text friends and whoever got my phone was able to get the lock code to my phone which can be used to confirm payments, and other sensitive items in my phone due to them getting my phone lock code. Long story short when i saw the transaction for {$1000.00} dollars i immediately called my bank to notify them to cancel or to stop the transaction because it was not me and my phone had been compromised. They informed me that they would investigate and i would receive temporary funds. A month after their investigation i get a letter stating the claim had been denied. When i called to ask for further details they let me know they had been in contact with the 3rd party provider XXXXXXXX XXXX who works under XXXX to help with these transactions and they noted that XXXX XXXXt informed them that they have facial and lock recognition time stamps that i used to make this transfer to my knowledge i don't have any recollection of ever doing so. The time stamps i have of these transactions don't add up to my timeline and its very frustrating feeling like i got robbed and my bank did nothing. After speaking with XXXX to confirm if i could get a list of time stamps for the time my fingerprint or lock code was used during that period and they let me know they don't store that type of info for security reasons. It got me thinking to my denial letter and why the bank would say my claim was denied because they have proof of me initiating this transfer because of the lock code or facial recognition that was used. I know i did not do this because I'm very aware of my funds and im not one to simply transfer XXXX what concerns me is why my bank was unable to stop this in time if i called right away when i saw they and status was still showing pending. 

XX/XX/year> funds added to my XXXX  balance XXXXXXXX XXXX XXXXXX/XX/year> transfer initiated to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer Reporting Agencies Equifax, XXXX XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX, XXXX, and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax, XXXX XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services.

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Product: Credit reporting, credit repair services, 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. 

XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number 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 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: Student loan

On XX/XX/XXXX I applied for the income based repayment plan so that I could qualify for the Federal Service Loan Forgiveness after 10 years. On XX/XX/XXXX I called to check to see how many months remained and was told I was only on the income based repayment plan for 2 years. The woman I spoke to, Ms. XXXX XXXX, said prior to that it appeared I was on the income based contingent plan even though I asked to be put on the income based repayment plan and and she commented that they Navient puts you on the plan that is best for you. Needless to say this isnt the plan that is best for me. This is the plan that is best for them. I wont get credit for the time I have been making payments. She also said I apologize for the wrong information you were given. Well, this has wiped out 6 years worth of payments and has derailed the plans I had of applying for the PSLF in two years. So basically {$80000.00} in Lon forgiveness is gone because they gave me wrong information.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is taking more than 60 days to respond to my dispute. This credit reporting agency and the Company XXXX XXXX continue to ignore my letters and demand to delete this account. I want all incorrect names addresses deleted from my credit report. I also want XXXX XXXX XXXX XXXX deleted from my credit report this company is violating my consumer rights Under the FDCPA ACT, XXXX XXXX XXXX XXXX I am litigating at XXXX XXXX, Texas Court due to this company violating my consumer rights. A NOTORIZED AFFIDAVIT OF TRUTH FILED IN THE JUSTICE COURT PRECINCT XXXX XXXX XXXX, TEXAS XXXX CASE NO. XXXX is enclosed for your reference. 
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states. The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
DELETE XXXX XXXX XXXX XXXX from my credit report right now to avoid this credit reporting agency being added to my lawsuit for violating my consumer rights by reporting illegitimate information on my consumer file. 
15 USC 1692e ( 3 ) debt collector can not be an attorney and an attorney can not be a debt collector. This is false representation. No communication should come from an attorney. Even if you are being sued by an alleged debt collector, an attorney should not be present.

15 USC 1692j If any name other than your name is showing as the original creditor, it is a violation because you are the original creditor.

15 USC 1692b ( 2 ) Not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
15 USC 1692b ( 2 ) - debt collectors are not allowed to use a logo To prevent me taking action against XXXX, I demand you delete this account from my credit file and send me an updated and accurate copy of my credit report to my address above.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX FL, XXXX XX/XX/year> Aldous & Associates XXXX XXXX XXXX XXXX, Utah XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced ALDOUS, XXXX XXXX ], {$220.00}, currently being pursued by your agency. Upon review of your communications and actions regarding this debt, it has become apparent that you are in violation of several federal regulations, namely 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations, including the false representation of the character, amount, or legal status of any debt. Your agency has failed to provide adequate documentation validating the debt in question, despite my previous requests for verification. This lack of verification raises serious concerns about the accuracy and validity of your claims.

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that debt collectors must provide consumers with a validation notice containing specific information about the debt within five days of their initial communication. To date, I have not received any such validation notice from your agency, thereby violating this regulation.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to cease collection activities until they have provided consumers with verification of the debt upon request. Despite my repeated requests for verification, your agency has continued its collection efforts without providing any substantiation of the debt 's validity.

Finally, under 15 USC 1681-S2 ( 7 ) ( A ), debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. Your persistent attempts to collect on an unverified debt, coupled with your failure to comply with federal regulations regarding debt validation, constitute unfair and unconscionable practices. 

In light of these violations, I demand that you immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until such time as you can provide valid verification of the debt in accordance with federal law. 

Furthermore, I expect your agency to provide written confirmation that all collection efforts have ceased and that the debt will no longer be pursued until proper validation is provided. Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the law. 

Please consider this letter as formal notice of my dispute and request for validation of the debt. I expect a prompt and appropriate response within 30 days from the date of this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

My ex wife and I were going through the divorce process in XXXX, XXXX my ex wife asked XXXX XXXX to transfer her number to her own plan so that she could pay it. We contacted XXXX Customer Service and had her removed from my account and she gave them her social security number and they created her own account for her. I had no access to payment information or anything for her account. I was assured by customer service that I was not responsible anymore if she missed a payment. She had set up her own account. On XX/XX/XXXX I received a credit alert that I was sent to collections for {$500.00} that she did not pay. I called XXXX XXXX and they said that they had put her on a sub-account under my name and that I was legally responsible and that she wasnt responsible. I then called the collection agency and they had my ex wifes address on file and that she wasnt liable for the collection of the debt, only I was. We have been divorced officially since XX/XX/2019. I can not understand how I am liable for my ex wifes debt when I did nothing wrong. XXXX XXXX put it wrong in their system.
Product: Debt collection

THIS COMPANY IS CLAIMING I OWE THEM MONEY AND THEY ARE AFFECTING MY CREDIT SCORE. 


I have submitted multiple requests to this company asking them to provide me with a copy of the original document of the debt ; I need to see the information of the so call debt I signed. I requested the documents from this company via XXXX XXXX, CFPB, and XXXX. 

======================================================= I am requesting a DEBT VALIDATION LETTER, The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor. 
============================================ tHE CFPB WEBSITE states -- -- > " Warning : Telling a debt collector to stop contacting you does not prevent the debt collector from pursuing other legal ways to collect the debt from you if you owe it, including a lawsuit against you or reporting negative information to a credit reporting company. 

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor ''
Product: Debt collection

Letter For Collections Date : XX/XX/XXXX To Whom It May Concern : Attention Credit Reporting Agencies, XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX I have no knowledge of this debt and the debt was allegedly purchased by IQ DATA INTERNATIONAL INC. This account must be deleted as the status of this account is entirely incorrect, the amount stated on my credit report is also not correct ( {$7900.00} ). This account has been purchased by IQ DATA INTERNATIONAL INC for a lower amount. 


The information being reported is not CORRECT, NOT ACCURATE, NOT COMPLETE AND NOT FAIR which VIOLATES the FCRA policy. I demand that this account be removed from my credit report IMMEDIATELY!! 

IQ DATA INTERNATIONAL INC has also failed to validate this debt in the timely manner given. There are numerous errors being reported with this account which is not accurate or complete per FCRA guidelines. They have also failed to provide a contract signed by myself agreeing to the terms of this debt. I DO NOT HAVE A LEGALLY SIGNED CONTRACT WITH IQ DATA INTERNATIONAL INC. This debt is being reported illegally and must be DELETED IMMEDIATELY. 

In your response you stated that this debt came to your office on XXXX of XXXX. Which means you have purchased this debt for much lower than {$7900.00}. Which also means that this amount on my credit report should reflect as such since that previous debt of {$7900.00} is no longer accurate. The debt has been written off. Which also means it is being reported illegally. FCRA states that ALL INFORMATION being reported will be ACCURATE, COMPLETE AND FAIR. Which means that this total is incorrect and this account must be REMOVED IMMEDIATELY. 


Thank You
Product: Mortgage

XXXXTHIS CLAIM IS AGAINST WELLS FARGO. '' Wrongful Foreclosures, and incorrect fees and interest charges. " * Loan Name : XXXX and XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX Ive contacted Wells Fargo '' to be compensated for Wrongful Foreclosures, and Incorrect fees and Interest charges. I have requested Wells Fargo to be compensated for their fraudulent actions that took place in XXXX, Ill Explain and document that my statement below is true and correct. 
When I contacted them recently, [ XX/XX/XXXX ] I discovered the courts found them at fault. They destroyed my documents and denied me compensation. Im now filing a complaint with XXXX for assistance in this matter. 
XXXX. In XXXX my former wife filed for divorce and bankruptcy she was named on the loan. When she filed for bankruptcy individually, she listed the Wells Fargo mortgage as a secured debt. 

XXXX. In XXXX, I requested them to refinance the mortgage in my name, since I did not file for bankruptcy and had excellent credit and substantial income to refinance the home in my name. 

XXXX. In late XXXX, they accepted my request, pending getting my wife to file in XXXX XXXX, Georgia a Quit Claim Deed, she did, and I sent it to them along with my refinance paperwork. My wife and I have lived in this home since XXXX [ 14 years ] I was never late on any payments. Months have gone by. Instead of approval, I received a response from them for refinancing they filed a foreclosure against me without my knowledge. It wasnt until I received the Notice of Foreclosure that I was made aware of their unilateral decision not to grant my approval, with no explanation. 

XXXX. I bought my home with my wife in XXXX for {$220000.00}. The market price was {$420000.00} and I owed substantially less. I hired an attorney to assist me legally in stopping the foreclosure action and was unsuccessful in an action that cost me thousands of dollars in legal fees. Their actions were to defraud me out of the equity in my home that I had built up and to pocket the difference. 

XXXX. In XXXX, they sold my home on the steps of the county [ XXXX ] courthouse and pocketed the difference. They defrauded me of my built-up equity, and the cost of legal fees, when they had no intention of refinancing my home. 

XXXX. In late XXXX their actions spiraled me into financial ruin. I had no money to fight them in court, any more and had to declare bankruptcy to protect myself against further losses because of their actions. 

Not until now, have I recognized that I had a recourse to recoup my losses for their fraudulent. I pray for the XXXX to help me in this action.