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

Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Student loan

I was on an income driven repayment plan, based on my not working i didt have to pay anything. Then my recertification came up. I wasnt even sent a letter or aware that I needed to recertify it. After figuring out I did, i sent everything they asked only to be told I didnt check this box once then 30 days later I was told I didn't send in the right check stubs only to be told 30 days later I did. Got an apology and on they went. After calculating my husband 's income I now pay XXXX a month and have ever since they got it going again in XX/XX/XXXX. This is where my problem really begins. I was set up on auto pay and have made every single payment on time. Twice since XX/XX/XXXX I have been reported to the credit bureaus that my balance has increased 70 and my score has dropped over 100 points. I called to find out why. The first time they reported and dropped my score 72 points, They said it was because of the change in my payments. Well they just reported in XX/XX/XXXX again, that I have a 70 increase on my loan. Twice now. My score dropped 48 points this time. I called them to find out what I could do to stop this. They said they are showing no increase that I was wrong and refused to further help me. I called three times trying to get them to help me all they would tell me is send in a complaint and they'd respond in thirty days. I dont know what to do. I am making my payment they said to make, they said my loan is decreasing when I call, but they are reporting that it's going up. I am getting nowhere with them. My interest is at XXXX with them on a XXXX loan since XX/XX/XXXX. At this rate i might as well give up. I won't have any credit at all in two years time.
Product: Credit reporting or other personal consumer reports

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year> and XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have On Your ACDV Form.. 


I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.

Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Account - XXXX  XXXX XXXX  Balance - XXXX Account - XXXX XXXX XXXX Balance - XXXX Account - XXXX XXXX Balance - XXXX Account - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Though it does credit card business in the millions in the state, the company is not registered to do business in Michigan or in Missouri where it publishes a post office box address. Thus it provides no registered address where or resident agent on whom service of process can be had. This effectively makes it difficult, if not impossible, for it to be brought into court to answer for its delicts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX - Initiate a withdrawal of XXXX USD XXXX/XXXX/XXXX - Company sends two automated emails. One confirming the withdrawal with a reference number. The second email saying they are unable to process because of a name mismatch. ( See attached " Company correspondence 1 '' and " Company correspondence 2, PDF Files ) XXXX/XXXX/XXXX - Contact support. I had since updated my account details and ensured that my CoinBase account details match my bank details. Support does not answer my question and thinks I am trying to suggest a new feature for their platform. ( See attached Support Thread 1, PDF File ) XXXX/XXXX/XXXX - Automated email saying that the transaction can not be proccessed. The company is still saying the names do n't match. ( See company correspondence 3, PDF ) XXXX/XXXX/XXXX - I receive another email out of the blue about a {$0.00} purchase. I do not know what they are referring to. ( See company correspondence 4, PDF ) When I log in to my account, it is now locked and not fully functional. The withdrawal was canceled, yet my account balance is {$0.00} and I can not view my account or withdrawal history. There is no way for me to re-initiate a withdrawal, and the company refuses to tell me specifically what is wrong with my account details, and how I can fix it. The money is simply missing now.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia XXXX and Federal Law Dear Sir/Madam, I am writing to you regarding an unauthorized inquiry reported on my credit profile by Synchrony Financial XXXX XX/XX/2022. I hereby express my explicit disapproval and denial of consent for this inquiry to be reported on my credit profile. 

The unauthorized inquiry conducted by Synchrony Financial lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. 

Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions.

Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes.

I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section 607, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports.

It is imperative that Synchrony Financial takes immediate action to remove this unauthorized inquiry from my credit profile within the next four days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law.

I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on Synchrony Financial 's part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 

Thank you for your attention to this matter.
Product: Mortgage

I have received a letter in the mail stating our loan has gone into initiating a forclosure. 
I signed up for bank draft on XX/XX/2018 via email. I filled out their bank draft form and mailed to the address stated on the form. I thought this amount was being drafted every month. I received no phone calls telling me otherwise. Im now going to over night a check to this company in hopes of repairing the state of this loan. 

Also, I spent XXXX minutes on the phone with my loan care/cashcall. I finally hung up. XXXX minutes is a ridiculous amount of time to spend waiting. After my XXXX minutes waiting I decided to see if there were other numbers I could use to contact someone and it was the same music, the same prompts, the same wait. I hung up on these numbers also. No wonder my mortgage wasnt getting paid every month via bank draft. They probably messed something up on their end. Furious.And where were the phone calls? NO ONE CALLED ME!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX With a balance of {$2100.00} Account number : XXXX XXXX XXXX  Opened XX/XX/XXXX With a balance of {$5.00} Account number : XXXX XXXX  XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX With a balance of {$1200.00} Account number : XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$2000.00} ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX with a balance of {$920.00} ACCOUNT : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} ACCOUNT : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2000.00} ACCOUNT : XXXX There are two addresses that shouldn't not be reporting which are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX All of the aforementioned accounts, addresses and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ) ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I attempted to file a dispute online with Experian requesting the investigation and removal of the XXXX XXXX  account XXXX. The account is more than XXXX XXXX XXXX. Experian would not allow me to file a dispute stating I had already filed a dispute for this item. However, if you look at the last time this account was disputed was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, these inquiries were placed on my report Santander Consumer USA, XXXX XXXX, XXXX XXXX XXXX as a hard inquiry. They pulled my credit without authorization for these and would like them removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have paid this collection back on XX/XX/2021. They said it would be deleted from XXXX and Experian credit report. I have contacted the company XXXX, XXXX over and over. I have told them several times that I have already paid this debt! I have paid this debt!!!! I'm not paying this again!!!! Per law I need this removed from my XXXX and Experian credit report. I have attached lawsuit that explain this company has been sued for not reporting paid debts. I have also attached the receipt I got showing I paid this!! I need this removed ASAP!
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. 


Account name : XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to remove inaccurate information on my credit profile and they have sent me continuous stall letters each time I mail a request, nothing is being done. I have sent them proof of who I am each time using my ID and a current bill and they are still telling me that I am not who I say I am.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Debt collection

The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called Zenco and they are based out of XXXX Texas calling regarding a debt from XXXX XXXX XXXX, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with XXXX XXXX XXXX , XXXX , years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas Attorney General and Texas Secretary of State, this bogus company is calling ALL of my relatives. Based on Attorney General 's office and Secretary of State, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against one 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report.Please remove thse account from my report they are hurting my ability to obtain credit. ( XXXX XXXX XXXX ) # XXXX
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. 

No XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, DEPT OF ED XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/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 instructions.
Product: Credit card

my payment was due on the XX/XX/year> but i couldn't get out to make the payment at the store because of hurricane helene and couldn't make the payment over the phone or internet because it was down until today XX/XX/year> and now they want to still charge me a late fee of {$41.00}
Product: Debt collection

Midland credit is trying to collect {$740.00} from me for an unverified debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply as a driver for the XXXX app XXXX on Thursday, XX/XX/XXXX. I consented to a routine background check that was to be conducted by the company Checkr. 
I received three emails on the XXXX from Checkr, which contained documents including a summary of my background check, fcra summary of rights, and several state laws pertaining to the legal handling of background checks. 
Upon the receipt of these summaries, I noticed an error in the reporting of my current address and license. My address was listed with an XXXX  zip code, where I have lived previously. My address since XX/XX/XXXX has been in XXXX. My license was listed as expired ; I was issued an XXXX  license in XXXX that is not set to expire until XXXX. 

I sent an email with the subject line 'Incorrect Background Check ' to XXXX on XX/XX/XXXX to detail the error on my background report and to request an update to my summary. I did not receive a response about this e-mail. 

I received an email with the subject line 'Post-adverse action notice - XXXX ' from XXXX on XX/XX/XXXX which contained this message : Mon XXXX XX/XX/XXXX Personal & Confidential Dear [ my name ] We are writing to inform you that we are declining your request for an engagement. Checkr, Inc., a consumer reporting agency, provided the Company with a consumer report in connection with your proposal to enter an independent contractor relationship. The Companys decision to deny your proposal was based in whole or in part on information contained in that consumer report and an individualized assessment of any additional information that you provided us. 

The Company considered these specific items when declining your request for an engagement : LICENSE STATUS : EXPIRED Checkr , Inc. is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and can be reached at XXXX or https : //checkr.com/applicant. Checkr, Inc. did not make the decision to take this action and can not provide you with information about the Companys decision. Any inquiries regarding that decision should be directed to the undersigned. You, nevertheless, have a right to contact Checkr, Inc. to dispute any information in the consumer report that you believe to be inaccurate or incomplete. You should already have received a copy of the consumer report, but have a right to obtain additional free copies from Checkr, Inc. You have 60 days from the date you receive this notice to request additional free copies of any such reports from Checkr , Inc. 

Thank you for your interest in the Company.