23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

GC Services limited partnership continued to mail me to collect a debt claimed by XXXX. I provided them with documentation from my credit card bank which refund my money and a statement of my new TV provider, XXXX stating the date of my new service which conflict XXXX claim. However, the GC keeps contacting me regarding this issue
Product: Checking or savings account

I had reported unauthorized transactions on my checking account with USAA in writing and never got a response and when I did receive a response after sending a copy of the original complaint my report was denied and when I asked for documentation used in the decision I was told over the phone that there was no documentation to send me which I thought was strange. I feel that my error was not handled correctly by USAA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX ..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2021 reporting as a 30 day late payment. Please remove.
Product: Credit reporting or other personal consumer reports

Please promptly ensure the unauthorized accounts are blocked and removed from my credit report. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXX I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures.

It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Product: Checking or savings account

Can I get some help pls someone got into my other account and transferred money out, I cant even log in. its like XXXX for {$500.00} XXXX for XXXX XXXX for {$1000.00} and XXXX of them are {$200.00}. I simple pay my insurance and on a family phone plan and send money to my brother its always less than XXXX. This happened XX/XX/XXXX was told to wait until settled, I disputed got a new card and was denied my money back by Albert banking Ive been using them for years and never had this experience. Im very disappointed I been trying to get my money from XXXX XXXX and Albert and no one is trying to help me. I just want what belongs to me. They only forward me my account history details which serves no purpose
Product: Consumer Loan

I bought a vehicle from Herbies auto in XXXX Colorado back in XXXX of XXXX and had to return it in XXXX of XXXX do to financial problems I later learned that they have been sued for hidden finance fees and I 'm having my wages garnished this was the XXXX vehicle that I had purchased from them and have recommended people to them I really do n't think that the should be able to garnish my wages if they have been sued in the time frame of which I purchased my vehicle from them please if you can help me that would be greatly appreciated
Product: Credit reporting or other personal consumer reports

This debt has been closed and they do not want to remove the late payments from the report plus they sold this loan was fed loan no XXXX.
Product: Debt collection

My husbands credit report added a hit from Nationwide Recovery Systems on XXXX XXXX, 2021. The original creditor was from XXXX XXXX XXXX XXXX XXXX. They are a billing agency for physicians through XXXX. We previously settled a debt with them in XXXX so I contacted them. They stated nothing more was owed and had to idea where Nationwide was getting the dates of XXXX and XXXX and subsequent balances of XXXX and XXXX. They stated multiple times we owed nothing and nothing has been given by them to collections. They also told me how to get online and print out a itemized billing which I did stating he owed {$0.00}. This company has massive reviews on XXXX, XXXX  and other sites of scams and taking people 's money and not removing credit dings, etc. These people need to answer to all the anguish they are causing people.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I 'm trying to refinance my house but when they pull my credit score theycant get it??? 6 months ago it showed XXXX now It 's not available?? Theysaid Wells Fargo is n't sending the info on my house payments. Is thatpossible? please help me. How can I not have a credit score?
Product: Debt collection

this is fraud. someone is using my identity. a request was maid to this agency on XX/XX/2015 in my name that I did not agree to.
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 has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is throwing out my dispute paperwork, and refusing to remove negative items from my credit report also the company is giving me a hard time with investigating negative items.
Product: Credit reporting or other personal consumer reports

Accounts were closed/charged off by original owners of the accounts. Sold to third party collectors who then reported incorrect account amounts and incorrect dates that the accounts were opened. They then list them as derogatory/in collections in addition to the original owners making it look as if there are double the amount of accounts that o have in collections. Instead of two it shows five. I asked the credit bureau 's to investigate and obtain validation of the amounts and date and no changes are made. The information is INCORRECT and fraudulently reported therefore should be removed and they have done nothing. No information has been provided to me to verify the opening date of the accounts or the increased amounts listed because they dont have any validation to support what has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These 3 consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to 3 different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX accessed my credit report with a hard inquiry without authorization. 

I then filed a complaint with CFPB. 

XXXX responded I owed the debt when there was no debt only the unauthorized hard inquiry. 

XXXX did not remove the hard inquiry as was required.
Product: Mortgage

Competing is the person handling my grandmas reverse mortgage. I had a house fire and I have {$120000.00} because my house was ruined and my grandma h had the reverse mortgage and theyre wanting me to pay off my grandmas reverse mortgage and the house is not worth XXXX or {$86000.00} that theyre trying to make me pay. Theres a 95 % on a reverse mortgage, OK and I would not have any money, but Ive already left. Ill be homeless and left her house because it was House and they refusing to do an appraisal and theyre trying to make me pay it off and fall and thats not right
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND XXXX XXXX XXXXXXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( XXXX ). 

Accounts listed below in XXXX  XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the XXXX XXXX XXXX XXXX ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX  XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX Law 15 U.S.C. 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Mortgage

On XXXX XXXX, 2023, I received a statement for my mortgage for the upcoming XXXX XXXX 2023 payment, and it incorrectly reflects what I am supposed to owe. I have a fixed rate mortgage and there is NO ESCROW on my account. I have told the company about this and they have not properly fixed my account since they purchased it in XXXX. Even though I have paid them the proper amount exactly on time every month, for some reason this month they are charging me {$74.00} extra for " escrow '' fees which I don't have. At this point I feel as though I am getting harassed by attempts to get me to default on my loan. This company also doesn't allow me to submit for auto-payments which again feels like an attempt to get me to miss a payment. 

My fee due for XXXX should be the same as this past XXXX, XXXX, XXXX, XXXX, and XXXX. Its simple. 

Also, the statement says there is a negative {$890.00} in my Escrow Balance. I have no escrow so that should be {$0.00}. There has never been one. I pay my taxes independently and property insurance independently. 

Thank you.
Product: Debt collection

I have a Citibank Student loan account on my credit report that continues to lower my score and I have never received any letters or notification about this, it has just appeared on my credit report. The student loan in question is past the statute of limitations, but hasn't appeared on my credit report before this.
Product: Credit reporting or other personal consumer reports

Chex Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX XXXX has listed ACCOUNT ABUSE on my Chex Systems XXXX, dated XX/XX/2024. To my knowledge, I have never had ACCOUNT ABUSE with XXXX XXXX XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from [ name of bank ] including copies of any documentation associated with this [ negative listing ] which bear my signature. In the absence of such documentation, I request that this [ negative listing ] be permanently removed from my Chex Systems report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

PayPal credit sent deceptive emails which stated 1. Payments were applied 2. Availability of credit, but I am unable to utilize any.

3. Refusing to apply payments 4. Intentional miscalculation of available credit in an amount that exceeds credit limit preventing me from ever utilizing PayPal Credit 5. Failure to allow other payment methods when checking out. And still declining my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i've sent dispute letters to XXXX, Equifax, and XXXX this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Credit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXXXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX
Product: Mortgage

In XX/XX/XXXX I paid a double payment ( the 2nd month they took over servicing my loan ) I paid a double payment over the phone at SLS. I had XXXX XXXX one payment and then paid 2 more by phone. SLS refuses to acknowledge this double payment yet, I have proof through my bank statement. This began rolling late fees and other fees. 

I continued to make my payment and now 100 % of payments, which I have paid EVERY SINGLE MONTH since XXXX are applied to ONLY FEES. Now, they are saying I'm 12 months behind and I'm NOT. Then, in XX/XX/XXXX they placed me in forbearance but I continued to make my payments. I have sent my payments via XXXX XXXX for over 2 years EVERY SINGLE MONTH. They are only using my money for late fees that have accumulated since they DID NOT APPLY THE 2 PAYMENTS I MADE IN XXXX. 

I have called these people repeatedly and they can't seem to go back far enough and then they said it was an old system. I have proof of every single payment I've made to this company.