23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I already disputed the debt in writing and the debt collector sold or moved the debt collection to another company and now they are requiring another written dispute to them within 30 days.
Product: Debt collection

I have reviewed my credit report and have identified multiple instances of inaccurate information, including the difference in the extra fees and or interest charged. There is no reasoning behind the sporadic amounts. For example, in XX/XX/XXXX the extra charge was {$20.00}, in XX/XX/XXXX {$16.00}, XX/XX/XXXX {$26.00}, Each month it fluctuates and no sense can be made of it. I am attaching the documentation with my complaint today. I have disputed this information with the credit reporting agency, XXXX, XXXX, and XXXX, but the creditor/collection agency has failed to investigate and correct the inaccuracies within the required XXXX timeframe, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 12 C.F.R. 1022.41 ( a ) Furthermore, the creditor/collection agency has failed to provide accurate and complete information to the credit reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 12 C.F.R. 1022.42. Specifically, they have failed to report the correct amount owed, which has resulted in inaccurate credit utilization ratios and a lower credit score. Additionally, the creditor/collection agency has failed to provide clear and conspicuous notice to me of the availability of my credit reports and the procedures for disputing inaccurate information, in violation of 15 U.S.C. 1681g ( a ) and 12 C.F.R. 1022.43.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>XXXX  I XXXX XXXXXXXX XXXX XXXX XXXX A CEASE & DESIST ABOUT REPORTING FRAUDULENT INFORMATION ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX XXXX XXXX
Product: Mortgage

PHH yet again denies us due process to receive fair access to assistance under any program in its considerable power to secure, commensurate with our need, particularly concerning Loan # XXXX. It is clear PHH is committed to continue, unabated, the practice of serial omissions and repeated failures intentionally designed to subvert fair and equitable services rendered in response to any hardship affidavit we might submit. Certainly the varied and detailed descriptions of our hardship condition ( s ), you dismiss even now, submitted on your demand, in formal application of a reasoned repayment plan, Forbearance or HELOC Refinance ( modification ) programs, plans readily available even prior to our early attempts to obtain a realistically structured solution, are adequate to your need - you provided written acknowledgement the hardship affidavits, detailed household expenditure submissions, tax transcripts and federal filings received and in your possession were adequate to complete several previous application packages concerning Loan # XXXX ( and # XXXX ) free of arbitrary or capricious currency limitations, the applications denied apparently by use of whimsical fancy, without fact based application of any information demanded we provided ; PHH betrays a committed resistance to any serious effort to evenhandedly administrate any program available, based on the financial and budgetary facts we submit ( ed ) representing an accurate debt ratio assessment. PHH demonstrates an interest solely in drawing out the process in hope to cause, discover, and/or exploit any infraction occurring as a result. 

We, along with XXXX XXXX, have cause to believe, based on evidence of the conduct by all operatives, representatives, agencies, and consigns working on behalf of the company encountered during this process, PHH does not intend to cease engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and, PHH remains in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by continued engagement in deliberate acts of harassment, the cause of undue emotional distress ; and, continued policies and practices of resistance to full disclosures, negligence, intentional " stonewalling, '' and refusal to honor requests for response to correspondence, and fair and open exchange of substantial information, important to achieve mutual understanding of facts in evidence, to establish the common ground and good faith required to reach just and equitable solution ( s ) or compromise ( s ).
Product: Credit reporting or other personal consumer reports

To whom this may concern, I will like to let you know that you infringed upon my consumer rights. Remember that in order for the financial system to work, only fair and accurate reporting is required! According to 15 USC 1681 ( 1 ), public confidence is weakened when false and unjust credit reporting information is reported.

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX  XXXX, Account number XXXX Account type Secured XXXX, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXX XXXX XXXX, Account number XXXX Account type Credit card, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXX, Account number XXXX, Account type Charge Card, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXX XXXX XXXX, Account number XXXX, Account type Auto Loan, Date opened XX/XX/XXXX, Status Account charged off. {$14.00}, XXXX written off, XXXX updated XX/XX/XXXX. 

Account name XXXX XXXX XXXX  XXXX, Account number XXXX Account type Secured Loan, Date opened XX/XX/XXXX, Status Paid, Closed. 

Account name XXXX XXXX  XXXX, Account number XXXX, Account type Credit card, Date opened XX/XX/XXXX Status Closed. Status updated XX/XX/XXXX Account name XXXX XXXX, Account number XXXX Account type Education, Date opened XX/XX/XXXX Status Paid, Closed. {$28.00}, XXXX written off, Status updated XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfers

On moneygram web site estimate for international money transfer fee showed {$18.00} but when the actual transaction took place it was {$32.00}. When asked why such a big difference in fees no answer was given except " an estimate is an estimate ''. When an actual fee turns out to be more than XXXX % of the estimate then it is no longer an estimate but a wild guess.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Once I submitted my disputes they closed my account.
Product: Checking or savings account

I had my phone stolen and someone used the XXXX XXXX tab of my chime account to send {$2100.00} to themselves in over XXXX transactions
Product: Credit reporting or other personal consumer reports

XXXX  XXXX account XXXX on the credit reporting agencies has violated my rights! 

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB|| I am now requesting proof of the previous Re-investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was accurate. if you can not provide me with this information in 15 days delete the account and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

An apparent law firm contacted my ex husband 's wife. She forwarded the message to me. I called the XXXX number and spoke with a rep who told me I owed Wachovia bank some money from an account in 2009. I do not recall having a bank account at that time. They told me to pay or dispute it in court. 
Did a little digging and saw many red flags that say this is a scam. XXXX XXXX XXXX XXXX, XXXX, CA XXXX {$1200.00} is the amount they are trying to collect.This debt does not appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act 2009, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/2018, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.
Product: Vehicle loan or lease

Called and asked for a payment extension to help bring my account current. Made Payment for XX/XX/2022. The extension was processed yet they reported my account as past due for XX/XX/2022 when I made the amount required to process the extension. No payment should have been required to be made until XX/XX/2022. My payment is {$690.00}. I paid {$690.00} in XXXX and {$720.00} in XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/20, I completed a transaction on the XXXX XXXX. This transaction was completed on there platform, where I was invoiced by seller, paid via their platform via PayPal. The item was not shipped out and the seller has refused to cooperate. I have contacted both PayPal and XXXX, neither are able to assist, claiming the payment type ( P2P ) is not covered under protection. There is an issue with this, the platform only has one way to pay, which is set up via XXXX and PayPal, so why is their integration constructed in a way which will not protect transactions for the consumer? I was invoiced, paid, and expected to recieve goods via the platform. Where is my protection by either PayPal or XXXX in this? I have also contacted XXXX to file a dispute, as I am currently out of {$520.00}.
Product: Credit card or prepaid card

On XXXX XXXX 2017 my credit card was utilized for an excess of {$720.00} this amount could be a little off because of additional fees an so forth however I reported this to barclaycard As well to the police and they are still making me pay for it I have a police report in XXXX XXXX Ive spent countless hours going back and forth with my credit card and today they said they are not considering this fraud. Please help
Product: Bank account or service

Someone cashed fraudulent checks against my account in the total of {$9500.00}, XXXX for {$4700.00} and {$4800.00} ( Money Market Account ). On Friday XXXX, 2017, I received a call from the Michigan PNC bank stating that they believe there was fraud on my account. I terminated the call because they asked me for personal information and I did n't want to give it to them. I visited my bank on the same day PNC XXXX spoke to XXXX and told them I wanted to check my account because I was concerned about fraud. XXXX checked my account and said there was no activity and said there was nothing to be done. Over the weekend I checked my account XXXX, 2017 and saw there was a withdrawal for these checks, for XXXX. Called and went into my branch and the money had been pulled from my account. The bank put notes in their system and told me that someone would call and investigate the account and advised a XXXX would be assigned. They later assigned XXXX. They did not take anything in writing but took everything down and started dispute XXXX 2017. After the bank delayed I decided to put my dispute in writing and submitted an ID Theft Affidavit. They scanned it and said it was n't needed. However, they have never gotten back to me and now it has been almost 30 days and they have delayed getting back to me. I 'm concerned that this has n't been resolved and that the bank did n't close my account on the XXXX when I suspected the fraud. I understand that as a consumer I have a right to have fraudulent funds reversed if I report it in a timely fashion. I did not authorize this.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 
Item in question : Bankruptcy- XXXX I sent you notice that your process was not valid due to me going directly to the BANKRUPTCY COURT and them not being able to verify the item ( SEE ATTACHED LETTER FROM THE BANKRUPTCY COURT ). You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 
I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY! 
This is my last warning. 
Please delete this unverified information as you may have mix/merged my credit file. 
Best regards, XXXX XXXX
Product: Debt collection

The Company is Credence Resources Manage Account # XXXX Trying to collect {$110.00} for XXXX XXXX XXXX I moved from XXXX XXXX XXXX to XXXX early this year. We called XXXX XXXX XXXX from the XXXX store. Told them we was cancelling our service with XXXX XXXX XXXXWe also ported our phone numbers we had with XXXX XXXX XXXX. I did not trust XXXX XXXX XXXX so after we left XXXX I went to a local XXXX XXXX XXXX store and told them that we was cancelling our service.I did this because a friend previously told me not to trust them. Now Credence Resource Manage has been calling us constantly telling us he had to pay the {$110.00}. We done everything correctly. I have excellent credit. I always pay my bills promptly but now they are going out to all of the credit reporting agencies about this collection. Thank you so much for your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Payment reflected as received by XXXX XXXX  XXXX  XXXX on XX/XX/year> but was reported on my credit report as XXXX days late. XXXX payment sent XX/XX/year> via check and never cashed. Overnight payment sent XX/XX/year> and not reported until XX/XX/year>. XXXX XXXX confirmation
Product: Credit reporting or other personal consumer reports

THIS FRAUD ACCOUNT WAS REMOVED OFF MY OTHER CREDIT REPORTS AND XXXX ALLOWED THE FAKE CREDITOR TO APPLY IT TO MY XXXX REPORT AFTER IT WAS FOUND TO BE FRAUD, I HAVE ATTACHED PROOF Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Oliphant USA LLC {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an XXXX XXXX  on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Mortgage

I was advised by a representative at Seterus they cant guarantee I would get reviewed for the principal reduction program my lender started to participate as of XXXX XXXX, 2016, because of my delinquencies and defaulting on a previous modification! I have written a detailed letter of explanation along with the guidelines and the letter Seterus has send me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XX/XX/XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported that I have hard inquiries but I have not made any inquiries.