23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX ; XXXX, living soul and Executor for the estate of, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly.

The estate in question with associated social security number is FULL NAME : XXXX XXXX XXXX : XX/XX/year> LAST 4 OF SSN : XXXX ADDRESS : [ XXXX ] XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] Any and all names, addresses and employers listed outside the authorized information given by the estate in the above information is to be REMOVED IMMEDIATELY, anything that remains on the report after the request investigation will constitute trespass and you will be fined {$55000.00} USD for EACH inaccurate listing still remaining. 



The accounts in question are listed below as well as highlighted in the report attached. 
LATE PAYMENTS BEING UNLAWFULLY REPORTED : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS UNLAWFULLY REPORTING CHARGE OFFS OR THAT HAVE BEEN SOLD TO 3RD PARTIES HAS BEEN HIGHLIGHTED IN THE REPORTS ATTACHED and listed below. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX  To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : 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

There is a corporate account on my consumer report that I did not agree to be liable for. In return this account has been reported onto my consumer report. Under the FCRA, this is a violation of my consumer rights pertaining to what I agree to be allowed onto my consumer report. It is also reporting a late payment when the payment was drafted from my account. 

The following account is what should not be reported onto my consumer report : XXXX XXXX - Opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian dispute Report Number XXXX Date Generated XX/XX/2023 I have disputed these public records inaccuracies multiple times and the items still remains. Ive submitted the bankruptcy clerks letter stating that they do not report to credit agencies and pacer court records. Experian still reports these inaccuracies and has caused denied extension of credit to me. I am demanding prompt removal within 5 business days or I will take legal action against them. 

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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

Account name : XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

( ORIGINAL COMPLAINT ) XXXX XXXX XXXX : Account # XXXX. XXXX XXXX XXXX engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. XXXX however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, XXXX representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and XXXX investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX XXXX, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a Solar Loan from Dividend Finance through a local contractor called XXXX XXXX XXXX in XXXX XXXXXX/XX/year> for {$65000.00}. This loan was for 25 years at a 1.99 % rate. I was told that this loan would cover the solar system and it included a cash back amount of {$25000.00} Dollars. Additionally, I was informed that this loan would not come into effect until the Solar System would be operational meaning it had passed city and utility inspections. XXXX XXXX started work on the property XXXX months later. They showed up to the property unannounced and with the wrong equipment I sent them away. While I was out of town they showed up to install the system with the wrong panels. The panels miss matched. I also did not authorize the installation. A few weeks later Dividend Finance started charging me the installments on the loan with the system still not operational. XXXX XXXX informed me that they had not funded the loan. I have been paying the {$180.00} a month for close to a year. XXXX XXXX XXXX has filed for bankruptcy I sent a report to the state contractors board and filed a police report. I never received the {$25000.00} and upon talking with Dividend finance I learned that XXXX XXXX XXXX submit a different contract with a different total amount for {$55000.00} I never signed such agreement. I provided Dividend Finance a copy of the police report and the contractors board report. They have been conduction an internal investigation for months without giving me a resolution. I have asked to have the loan canceled and the abandoned panels removed.
Product: Credit reporting

Both last year and this year, Equifax refused to generate a credit report online and wanted me to fill out a form and send sensitive information through the mail. Last year, they generated the report online after several days of trying. Since it happened two years in a row, I think this is just a scam to avoid their legal obligation to generate the credit report. 
I want to report Equifax for illegally throwing up a barrier to avoid their legal obligation.
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 XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXXXXXX XXXX  XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

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 or other personal consumer reports

XXXX, XXXX and XXXX are furnishings and continue to furnish inaccuracies on my credit report after repeated disputes. The agencies would say that inaccuracies are verified. How did they do this verification process? For example GM Financial has account charged off which is written off so it is considered income which should not be reporting on my credit report and have not received copy B of 1099 for tax purposes. Late payments are also experience I have with the company and should not be reporting, no such thing as late payment. XXXX XXXX XXXX XXXX has a few accounts on my credit report with inaccuraciesas well. Charge off account written off which is considered income and should not be reporting on my credit report. I have not received any copy B 's of 1099s for tax purposes. XXXX XXXX reporting late payments as well which are the experiences and transactions between me and the company, so there should be no late payments. There is a collection account on my report from a third part in which I do not have a contract with. How is this company furnishing my information without my consent and they have to right to do so.
Product: Student loan

Please be advised this is my SECOND WRITTEN REQUEST. I filed a report to Sallie Mae through CFPB that I do not have a balance with them! Sallie Mae then reported the loan was taken out with the XXXX XXXX. Thus, I contacted the university, and confirmed I did not out a private student loan during the one year I attended the university. I attached my financial aid award letter to confirm this information below. Sallie Mae is now informing me that I will have a derogatory mark on my credit report for not paying on the loan on XX/XX/XXXX. However, I am submitting additional evidence that I did not take out a loan with Sallie Mae at XXXX XXXX. Sallie Mae is required under the Military Lending Act ( MLA ) and Servicemember Civil Relief Act ( SCRA ) to remove falsification from my credit report concerning ALL credit bureaus. Furthermore, a creditor can not require a covered borrower to submit to arbitration or other onerous legal notice provisions in the case of a dispute. The statutory amendments to the MLA in XXXX granted enforcement authority for the MLAs requirements to the agencies specified in section 108 of TILA. These agencies include the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau ( CFPB ), the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Federal Trade Commission. State regulators also supervise state- chartered institutions for MLA requirements pursuant to authority granted by state law. Implement statutory changes, including provisions related to administrative enforcement and civil liability for MLA violations ( for knowingly violating the MLA, there is potential for criminal penalties ). I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, MLA, and SCRA.
Product: Credit card or prepaid card

Dear Sir, I was looking at my Bank of America Mastercard online in XXXX and I was charged 4 times for " XXXX XXXX XXXX '' and 4 foreign transaction fees on XX/XX/XXXX. The Bank didn't find these fraud charges, I had to find them myself and call the Bank! I did not make these purchases and it's over {$1000.00} on a single day. I have never been to XXXX and I don't even have a passport. I am a XXXXyear old retired woman in California. I called Bank of America to report the fraud and I talked to someone named XXXX. They closed my account but today they said they are rejecting my fraud claim and they are going to re-charge me for these " XXXX XXXX '' fees because they said I was there or I authorized someone to use my card with a chip. That is impossible. I have never let anyone use my card and it was not me making these purchases! I don't even know what XXXX XXXX is. I refuse to be abused by this bank who thinks they can take advantage of me to make money for something done in another country. If this is not fixed I will complain to my congresspeople as well and I will be writing a letter to my paper and the XXXX. 

Please fix this. Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX  immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with Experian, XXXX  and XXXX XXXX collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent and erroneous information on my credit report that should be removed. They are in violation of the FCRA.
Product: Mortgage

Bank of America is the problem. we now have a servicing company XXXX but before it went to XXXX bank of America put a lender placed insurance policy on our loan and charged {$160000.00} for the policy. This has been going on for years we were paying our own insurance but every time we got a new date on our policy it auto canceled only the date of the policy so XXXX would always put there on policy on the loan til they got proof of us paying our own. I had sent them many copies but they would say they did not get the proof so then I told my insurance agent to sent them 6 copies well out of the XXXX the finally got 2. we are still paying our insurance that is what was on the loan we pay our own insurance and they escrow the taxes. This has been going on for too long and now they are saying that they want to forclose on our  property because it is getting behind because they are using the money on fees. Please help I make my payment every month.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXXXXXX Balance XXXX : {$9600.00} XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting itemsas unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$850.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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