23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, the following is illegally and invalidated, is reporting to the credit agency ( s ) **XXXX XXXX**, and XXXX is reporting an illegally invalidated account with the entity ( ies ) Southwest Credit XXXX opened on ( XX/XX/XXXX in the amount of {$640.00} ). 

" XXXX ( XXXX ) ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ) " XXXX XXXX ( account opened on XX/XX/XXXX in the amount of $ XXXX ) The following inquiry ( S ) are also unauthorized ***XXXX XXXX ****XXXX XXXX XXXX  XXXX ***XXXX XXXX  XXXX XXXX XXXX the following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX md, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX md XXXX I have not provided any permission for anyone/person, natural or not , to furnish my federally protected consumer information, and therefore, you are in violation of reporting an unverified, and invalidated alleged debt. According to 15 USC 1692g only a natural person can verify a debt, and central collections unit, can not legally provide a natural validation for this account. 15 USC1692e ( 1 ), stating I owe an amount for this alleged debt. This is harassment, and all are in violation of 15 USC 1692j ( a ) and can be liable for 15 USC 1692 k, k ( a ) for violation of these laws, per 15 USC 1692j ( b ). 


Cease and desist letters sent to each entity!!!
Product: Credit card

Adverse Action Dear AMERICAN EXPRESS, I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied for a A BUSINESS CREDIT CARD FOR XXXX XXXX XXXX XXXX XXXX. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in XXXX U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by AMERICAN EXPRESS due to the response I received.

AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I write to advise that my XXXX XXXX XXXX XXXX  all contain inaccurate and missing payment, balance, notice of disputes, fatally false date of first delinquency and other mandatory data which is missing from my credit reports as set forth in the attached XXXX credit reports. 

I am the prevailing party in arbitration and court litigation for which XXXX  claims have been extinguished under the Two-Dismissal Rule XXXX of Federal Rules of Civil Procedures further automatically staying and barring relitigation and presenting balances above {$0.00} as {$0.00} is owed. 

I have attached copies of inaccurate and incomplete missing payment and balance data which must be presented to XXXX for investigation in detail without providing a meaningless XXXX digit code. 

I request that Experian process this dispute, advise Furnisher and other CRAs of the dispute and perform the request investigation which would include hundreds of pages regarding the specific XXXX XXXX extinguishment.
Product: Credit reporting or other personal consumer reports

I am the victem of identity theft and i am requesting you block the below information. and remove the accounts from my credit profile enforcing section 605 b of the FCRA.

Bank of America : Account number Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX Bank Of America Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : XXXX date opened : XX/XX/XXXX Bank of America Account number : XXXX Balance : XXXX opened XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Went to pay my Property Taxes {$5800.00} the money is in my account, the bank wont honor/approve the check- Called on XX/XX/XXXX that I am incurring over {$200.00} in fees by them not honoring this check and giving an approval code.. on the phone off and on for XXXX hours getting hung up on by the system, and the finally speaking to a woman who said " APPROVAL '' and then put me back in the system to be hung up on again. I consider this theft of my money. XXXX states there is no request in the system And after asking what I need to do, she put me on hold and then came back and changed her statement to say the amount seems suspicious and transferred me to consumer protection, on hold another XXXX minutes.. Then system hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting

I HAVE BEEN THE VICTIM OF ON GOING ID THEFT AND HAVE A FRAUD ACCOUNT THAT IS REPORTING ON MY EXPERIAN CREDIT FILE. I HAVE DISPUTED IT ONCE AND IT WAS RESLOVED BUT NOW IT IS REPORTING AGAIN AND EXPERIAN WILL NOT BLOCK THIS.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Bank of America Core Checking Account pursuant to the bank 's advertised promotion, which promised a {$300.00} bonus within 60 days after meeting the following two requirements : 1 ) Open a Core Checking or Interest Checking account by XX/XX/XXXX ; and 2 ) Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account. I satisfied the first requirement by opening my Core Checking account on XX/XX/XXXX. I satisfied the second requirement by way of 3 direct deposits on the following dates : {$1000.00} on XX/XX/XXXX, {$1500.00} on  XX/XX/XXXX, and {$1500.00} on XX/XX/XXXX. Those 3 direct deposits totaling {$4000.00} were made by XX/XX/XXXX -- well within 90 days of account opening. Although I satisfied all of the promotion 's requirements, Bank of America refuses to post the {$300.00} bonus. When I wrote to inquire, the Bank sent me a canned response that fabricates an additional requirement of a " promotional offer code. '' The promotion pursuant to which I opened this account did not mention any offer code, nor did the account opening application contain any blank to enter any code. I explained this to the Bank in a second letter, but received an identical canned response, with only the date and case number changed. For your reference, I attach the advertised promotion as well as my two letters to the Bank and its two canned responses. You will see that the promotional materials are silent as to any offer code.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with the ongoing errors on my credit report, which have severely impacted my financial stability and creditworthiness. These inaccuracies, including fraudulent accounts and transactions that I have never been associated with or benefited from, continue to harm my ability to move forward. Despite reporting this issue to the Federal Trade Commission, these items remain on my report, causing unnecessary stress and preventing me from achieving financial independence.
Product: Mortgage

I was approved for the HAF Home Owners Assistance program 18 months forward payments. My mortgage company claims they have not received any information or payments from HAF, but according to the Department of Economic Opportunity for the State of Florida, they SENT the payment on XX/XX/XXXX. My mortgage company, for the second straight month, is not applying state funds that were sent to them with the directions of being applied towards my monthly mortgage payment
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Account number # 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 instructions.
Product: Credit reporting or other personal consumer reports

I have an account on my credit profile from XXXX XXXX XXXX that I have no knowledge of and when I disputed the account it came back as verified. They didn't provide any proper verification ( a contract signed by me ) to verify that I'm the one who opened the account. I was impacted by the XXXX data breach and when I login into my credit monitoring sites, they say my information have been exposed on the dark web. This fraudulent account is causing serious harm to my financial situation, and I demand it be deleted at once before I am forced to file for litigation. Proper documentation will be attached to this complaint to support my case.
Product: Debt collection

They called my mom told her all about this .. said they were going to have police at my house. Called me and told me the same thing.. Also said they had a process server coming to see me.
Product: Credit card or prepaid card

I got this card at an XXXX store. I went to go use it and apparently my first payment didn't go through because I typed the checking account information incorrecly. They never emailed/mailed me anything to let me know. When my card was declined I called them and they told me so of course, I paid it immediately. I then asked if they could un block my card and they said it would be 6 months. So I told them I didn't need that because I have amazing credit. I asked them to close the account that same day XX/XX/19. I asked the girl on that conversation and she confirmed my account was paid in full. I asked if I would get anymore bills and she said no. Then when I got another bill in XXXX I emailed them and they said they closed my account on XX/XX/19 but they had added some fee. AFTER I asked the rep and they told me I didn't owe anything! Which means either the girl lied to me or they added it and back dated it once I closed my account. 

Then today on XX/XX/19 I got an alert that my card was attempted to be used in XXXX. These people are liars. How can someone use a closed credit card? How can I make these people GO AWAY??? I attempted to make this right and they just keep making mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment in XXXX, TX. I was denied because of information appearing on the report that they provided to the apartment. First Advantage is reporting information that is not only inaccurate but is also damaging my credit to potential landlords. They are reporting numerous housing debts and evictions to which I have provided court documents stating that I have been a victim of identity theft. They still are refusing to remove XXXX Apts from my consumer file even with the proof that they asked that I submit to them. I am at jeopardy of not only losing out on money but also losing out on a place to stay. They are intentionally refusing to remove the negative items even after the information that they requested was provided. They are also violating my consumer rights under FCRA. They are refusing to remove all information relating to housing debts and evictions that are not belonging to me. I even had to file an Affidavit of Identity theft with the federal government to which was also submitted to them on my behalf. I have emailed First Advantage and I have also contacted them by phone. They have refused to respond to my inquiries and my request. 

***Please note that I provided the criteria to clear the record that First Advantage provided to XXXX at XXXX XXXX. By their own admission from the document they provided to the potential landlord. In order to remove such record from my consumer file, they had to be provided with a letter from the court stating that the eviction was dismissed, vacated or set aside. Clearly from the document I provided, the judgment was release and eviction suit was dismissed. 

I have also attached the court document itself. Now they need to remove this record from my consumer file. They are clearly in violation of their own policy and written word and in violation of my consumer rights under FCRA.
Product: Credit card or prepaid card

Synchrony Bank that is in charge of the Discount Tire Credit Card randomly decreased my credit limit from {$900.00} to {$300.00} due to a change in my credit report. Ive had this card for almost a year now if not already and Ive never missed a payment. I just recently paid the card off completely in full and now my balance is less than {$200.00}. I didnt deserve to be decreased especially since my credit score is XXXX. I want my credit limit put back to {$900.00}
Product: Mortgage

On XX/XX/XXXX I called my mortgage company to ask why my payment had not been applied. I was put online with one of their customer service reps. I asked if he could tell me why the payment had not been applied to the account. XXXX was due on XX/XX/XXXX, but there is a grace period of 16 days if you require it. I sent the payment priority mail through the USPS so that it could make the XXXX XXXX cut off time for the grace period. The payment was delivered to the po box of the mortgage company on XX/XX/XXXX at XXXX. This is verified by text by the USPS when letter was delivered. I gave the rep of loan company the information of the certified letter and re-laid to him the initial mail date. 
The rep of the mortgage servicer said. '' To give them a few day longer to get the paymnet applied. '' I also asked the servicer what about the late payment? I was advised that the payment would be removed and would be reflected in the next statement. 
Today is XX/XX/XXXX. Tomorrow will be the XXXX. It has been longer than had been described by the mortgage services rep.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally complain about Experian 's failure to correct or delete erroneous addresses listed and incorrect names on my consumer report. Despite my repeated attempts to resolve this matter directly with Experian, I have not seen any meaningful action taken to rectify the inaccuracies. 

On XX/XX/year> of your correspondence with Experian ], I disputed the following incorrect addresses and names that appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A list of names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses and names are not associated with my credit history and have caused confusion and concern regarding my creditworthiness.

I have provided Experian with all necessary documentation to support my claims, including proof of my correct address and identification. However, despite this evidence, Experian has failed to update my report or provide a satisfactory explanation for their inaction.

I am concerned that these inaccuracies may negatively impact my credit score and future financial opportunities. I believe that consumers have the right to accurate and fair credit reporting, and I feel that my rights have been compromised.

I kindly request that the CFPB investigate this matter and encourage Experian to take the necessary steps to correct my consumer report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and I have no clue why they are there. I regularly check my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser thinking it might be a glitch, but the errors remained. Due to this issue, I kindly request a thorough review of the documents I submitted so I can stop worrying about this matter.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2020, I used the Company called Remitly to send money ( {$1000.00} USD ) to my dad who lives in XXXX XXXX. This transaction normally takes 2 business days maximum to be delivered to my dad and was promised that it will be delivered by Wednesday XX/XX/2020. Unfortunately, the money has not yet been delivered. I called Remitly on Friday XX/XX/2020 to inquire about this and was told that they communicated with the company they used in XXXX XXXX and that the money will be delivered by the end of the day. The money was not delivered and on Sunday, I contacted Remitly through their online service to return my money since they had not delivered the money and was told that they could not refund me the money and all they can do is email the company in XXXX XXXX to find out what happened. It is Tuesday XXXX XXXX and my father has not yet received any money nor have I been contacted by the company. I want my money returned to me. Remitly is not helping me at all. I need help.