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

XX/XX/2022 In Accordance with Fair Credit Reporting act XXXX  Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 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 ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 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 Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I'm not sure if this is some mistake as I assume it 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 and it is affecting me a great deal as I use PayPal frequently to run my finances and business. The email linked to my PayPal account is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Balance information is incorrect on the credit reporting. Navient still owns the loan serviced by XXXX. The credit reporting agencies are reporting a balance of over $ XXXX. This is incorrect. The loan has been paid off as per transfer to XXXX and by the Dept of Education. Balance is {$0.00} and account is closed. See XXXX account information attached. See all three CRAs account data attached. 

XXXX and XXXX are still showing a {$79000.00} balance where XXXX is showing a {$0.00} balance. The date of Closure between all three CRAs is not the same either. 

Navient continues to hurt my credit report and continues to ensure servicemembers are not cared for in their business practices as identified in the CFPB court case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. Both accounts are being RE-AGED FCRA Violation. 
3 different dates on each credit bureau. Date of Last Activity is being RE-AGED every month. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX, and TransUnion correct and remove this inaccurate info from my credit report. 


5.
Product: Consumer Loan

I read that Honda Financial Services settled for racial discrimination. How can I find out if I was discriminated against when I signed for a car loan?
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CITICARDS CBNA XXXX Balance {$9500.00}
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 NumberXXXX Account Name : XXXXXXXX XXXX Account XXXX 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 XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review
Product: Credit reporting or other personal consumer reports

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 Subject : Dispute of Fraudulent Accounts and Inquiries Reference Numbers : FTC Complaint : XXXX CFPB Complaint Dear Sir or Madam, I, XXXX XXXX, hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report. 


-- - Accounts to Be Removed : 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 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  -- - Additional Requests : Adhere to the consumers complaint -- - Thank you for your prompt attention to this matter. Please provide confirmation of the actions taken to resolve this issue. I can be reached at the address provided above should you require any further documentation or clarification. 

Sincerely, XXXX XXXX
Product: Mortgage

Between XX/XX/2019 and XX/XX/2019 Ocwen Mortgage returned three mortgage payments to me. The dates of the payments were XXXX XX/XX/2019, XX/XX/2019, and XXXX XX/XX/2019. I had no clue the payments were not processed. I sent the funds to get my first mortgage up to date. Instead Ocwen sat on the funds for 30-60 days before returning the uncashed checks to me. Each letter returning the checks had no date on them. But each letter was postmarked between XXXX XXXX and XXXX XX/XX/2019 If Ocwen wants timely payments, why are they sitting on my payments before returning them? Now I'm further delinquent with additional fees charged.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the specific issues with this account : 1. Late Payments Reported on a Closed, Paid Account : Despite the account being marked as Closed with a {$0.00} balance and Current payment status, the payment history includes multiple 30-day late marks. If the account is paid and closed, late payments should not persist unless accurate and verifiable. 
2. Inconsistent Comments Across Bureaus : XXXX : Closed. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Closed or paid account/zero balance XXXX. 
These comments are inconsistent and may mislead lenders about the resolution of disputes. 
XXXX. Failure to Properly Update or Resolve Disputes : Dispute-related comments remain on the account, even though it has been resolved and paid. This suggests a failure to update the status, violating the FCRAs accuracy standards. 
4. Inconsistent Reporting Across Bureaus : Minor discrepancies in dates, such as the Date Last Active and Last Reported dates, differ slightly among the bureaus. While this might seem minor, it reflects a lack of synchronization.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The inconsistencies in comments, late payments, and reporting dates violate this requirement. 
2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes have been filed and inaccuracies persist, the credit bureaus may have failed to investigate and correct the errors properly. 
3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have furnished inaccurate or misleading information regarding payment history and dispute resolution. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they should not appear on the report.
Product: Debt collection

I would like to complain about items not being removed from my credit - I filed disputes with the companies directly and all 3 credit bureaus. I sent a 609 letter on XX/XX/2021 -- and a demand to comply letter on XXXX the items have yet to be removed from my credit due to FCRA this is a violation of my rights as a consumer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( MOHELA/DEPT OF ED ) ( Account #, XXXX XXXX has violated my rights. 15 US 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 fumish a account without my writep instructions
Product: Debt collection

Unfortunately i just realized that i was paying WELLS FARGO and i have no contract with them. They have sent me the contract of me and dealership multiple times and they have admitted in this letter i am going to attach, that they do not hold the original copy of contract with wet signature of mine and there's. So i am demanding a FULL REFUND OF ALL FUNDS YOU HAVE RECEIVED IN CONNECTION WITH MY SOCIAL SECURITY NUMBER. LAST AND FINAL RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX starting in XX/XX/XXXX about a Collection company Lvnv reporting on my credit and ask to have it removed. As a result they did not remove it saying that it is mine. However, I wrote to all three credit companies and two of them XXXX and XXXX did remove it and then Lvnv tried to place it back on my report after it had been removed I reported it to them and they removed it again. So I wrote XXXX again and again and ask them to verify it and they did not but still has not removed it. I also wrote the company as of XX/XX/XXXX and they could not or did not verified they sent me a statement from the original creditor without any type of signature of mine. So as of now I have wrote back to them asking them to provide evidence that this is my account bearing my signature and let them know that what they sent to me for verification is not FCRA proof for what they sent is a statement letter from the original creditor and asked for immediately removal as of now has not complied or reported to XXXX that I am disputing these accounts. Not only that XXXX has allowed them to reopen this file on my credit report which was showing closed when originally disputed. Also it shows an inaccurate date, past due date, wrong high balance from when it was originally reported and a inaccurate date of last activity and is missing information and the account numbers have been changed several times and so has the addresses. This is my second step before I file a small claims against XXXX and Lvnv. All my disputes have been sent certified mail and I have all the copies, accept the one I sent through XXXX XXXX. This is damaging to my credit profile and as a result I am unable to receive a mortgage loan without this being removed off my credit report and they ( XXXX and Lvnv ) have left me no choice but to take action.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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: Payday loan, title loan, or personal loan

I am being harassed by people who claim to represent company called MAC. I think that they are a payday loan company but I am not certain. At any rate, any payday " debt '' I had was settled long ago ... probably in excess of 10 years. and recently, I have received numerous repeated calls claiming " time sensitive '' information that MUST be responded to asap before serious legal proceedings begin, etc etc.

The calls have come daily for the last 2 weeks. I told them not to bother me any longer or I would report them for harassment, at which time I was insulted and threatened further.

Mr. XXXX at MAC, altho the name is likely fake. The calls emanate from XXXX and I am asked to return the calls at XXXX.
Product: Credit reporting or other personal consumer reports

Recently obtained my INNOVIS CREDIT REPORT and NONE of my personal information is correct. Name, phone number, address, SSN. However, Im a victim of Identitytheft XXXX. However the FCRA RIGHTS reads that ALL REPORTING information must be ACCURATE! Nothing on INNOVIS credit account is correct.
Product: Debt collection

we randomly received a bill from XXXX for duties and taxes or something like that. we never ordered anything and we are very confused. XXXX then sent it to debt collectors and now we are being harassed for debt that is not ours
Product: Credit reporting, credit repair services, or other personal consumer reports

Telercovery is inaccurately reporting a payment history monthly on a collection account. A collection account is past due by default. Updating the payment history since XX/XX/2019 is negatively impacting my credit by making my " past due '' recent. I have tried for over a year to have this corrected with XXXX and they send a letter saying that Telerecovery verified that this payment history is correct. I have asked for verification and have not received any.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an ongoing identity theft dispute with XXXX XXXX XXXX XXXX for the last year plus concerning 2 credit cards opened and used fraudulently as I am a victim of identity theft. XXXX on XXXX initiated a transfer of {$4100.00} without my prior consent or permission for the total of the credit cards that are currently being disputed. This violates several of my consumer rights per the FDCPA, FCRA, and EFTA as they are making collection activity while the account is in dispute, in addition these accounts are reported as being charged off on my consumer report which is causing me great harm and suffering as I am unable to extend credit as a result of inaccurate information being reported on my consumer report. There has been an ID theft report submitted from local law enforcement, an FTC report in addition to an ID theft affidavit. I have also provided previous notice from a former employer of a data breach of my SSN and previous address which these accounts were opened under.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, XXXX XXXXXXXX, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I received 3 text messages ( see screenshot for dates XXXX from XXXX regarding an outstanding check i have out with checksmart from 1month ago. First text was to tell me my check payment was overdue. The last 2 stated if i call XXXX before XX/XX/2019 I would get 20 % off what i owe. When i called that number today a woman asked for my social security number so she could look up my balance. Then gave me my balance which was correct. She then asked me what the text said i told her 20 % off she says oh ya oh ya we can do that. Then says let me find calculator. Ya thats about {$92.00} off i think and asked for my debit card number very excitedly. I didn't think a debit card could be used to pay off check. So i asked if i could go into my local branch and have the same 29 % off, she then stated she was at corporate office and this promo would not be honored in any store only over the phone. Time was XXXX when i called. Upon looking up the business hours for checksmart corporate i descovered they close at XXXX and theres not even a local branch that stays open that late. She was able to provide me with the correct amount i owed on check but i dont know is that info available to the public with just a social security or maybe she's a crooked employee. Is this a scam? I didnt give my debit card info. And my complaint isn't directed towards checksmart only toward this alleged scammer.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These accounts listed below do not belong to me : XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I am XXXXXXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}