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

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires are on my report from Capital One Bank, NA for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to Capital One directly numerous times by phone and mail. I have also disputed the items with all  XXXX  credit bureaus. These items were not authorized by me and should NOT be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights under FCRA 611 ( a ) ( XXXX ) ( B ( XXXX ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my Experian, XXXX, and XXXX credit reports reported by XXXX XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX by sending XXXX XXXX XXXX letters certified mail, return receipt requested to Experian, XXXX, and XXXX. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. XXXX opened accounts. To date, Experian, XXXX, and XXXX are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 10 open disputes with equifax. I keep filing disputes with ftc id theft reports. i have done everything I could to have 3 accounts removed XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. i reached out to each creditor and XXXX of them mXXXX XXXX and XXXX, informed me that it was up to the credit reporting agencies to have the accounts modified or removed because they are paid and closed but showing lates. for the XXXX XXXX, the reason i was late because they kept taking money out of my account when i told them not to and then with exeter i told them the vehicle was faulty and that someone compromised my checking account with XXXX XXXX XXXX XXXX at the time. i have called equifax at least 10 times a day trying to get a resolution but they keep saying wait for the investigation to complete. i am at the point of suing them for this
Product: Debt or credit management

I was informed of Debt with XXXX and payment setup and paid with Retirement and Social Security Benefits and the they purchase the debt when went in default is this legal and I have not received verification the payment was made or done.
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 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 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: Debt collection

1.I returned a product that I'd purchased on XXXX back to XXXX via XXXX. 
2. XXXX never refunded me the money back after they received the product. 
3. I disputed the amount to my bank. 
4. My bank investigated and found XXXX not in compliance. 
5. My bank refunded the {$52.00} back to me. 
6. XXXX sent that amount of {$52.00} to a debt collector, TRS Recovery Services , Inc . 
XXXX. Debt collector, TRS, demanded payment on XXXX, reference # XXXX. 
8. Debt collector, TRS, XXXX, does not answer their phone. 
9. I sent the {$52.00} to the debt collector by error. 
10. The debt collector refuses to return those funds. 
11. XXXX refuses to return those funds. 
12. I reported XXXX to the Attorney General. 
13. There's an open case involving XXXX via Attorney General. 
14. I reported the debt collector, TRS, to the Atty General 15. There's an open case involving TRS via the Atty General.
Product: Credit card or prepaid card

My Comenity credit card account originally showed payments made but this disappeared from their records and now it shows I owe a very large balance WHICH I DO NOT. 
Information showing at present on Comenity Bank online records for my account : Shows {$83.00} payment on XX/XX/XXXX Then DOES NOT SHOW the following payments I made : 1. XX/XX/XXXX for {$760.00} 2. XX/XX/XXXX for {$71.00} 3. XX/XX/XXXX for {$150.00} 4. XX/XX/XXXX for {$53.00} Then does show a payment for {$110.00} on XX/XX/XXXX Then as of XX/XX/XXXX I made two more payments which have not yet been entered but have been paid : {$100.00} and {$680.00}. 
Comenity records also indicate I received {$10.00} Rewards issued on XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX WHICH I DID NOT. 
I look forward to assistance with this matter. Thank you.
Product: Mortgage

I have a loan with Flagstar Bank for my mortgage. I did make payment on my property taxes and for my flood insurance for XX/XX/XXXX. I paid {$5300.00} for property taxes. Flagstar paid the taxes at the same time as I did. They are now increasing my monthly payments from {$880.00} to {$1700.00} a month. It is an extraordinary jump. Furthermore, I am a single mom, and I frankly can not afford this. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XX/XX/XXXX. Please contact Flagstar at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Charge-Off / Closed Account in my Credit Report Dear Sir/Madam, I hope this letter finds you in good health. I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off/ closed accounts, which I believe are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off/ closed accounts : Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience.

I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified. 
In addition, according to Section 623 ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section 605 of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA, which provides me the right to obtain one free copy of my credit report in cases where a change has been made as a result of the dispute. 

I have attached a copy of my credit report with the disputed items highlighted for your convenience. Please provide a detailed response to my dispute in writing within 30 days of receipt of this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Disputed Items attach
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$3600.00} Date Opened XX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit card or prepaid card

I received an alert from XXXX stating that a hard inquiry changed on my report. That a JP Morgan/Chase credit card was being processed. At this same time, I received an email at XXXX thanking me for applying to JP Morgan/Chase and they were reviewing my application for a new credit card. This was not me. I did not request or apply for a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed a count on credit report which has disputable closed dates showing on experian XXXX  and XXXX. Experian shows that the account was closed XX/XX/17, XXXX is showing the account closed XX/XX/17. This information isn't consistent on reports.
Product: Credit card

I had XXXX chase ink cards that were closed by chase stating " transaction on your account are inconsistent with expected activity '' Due to this closure I had lost all my Chase XXXX Rewards Points amounting to XXXX points. I have been using the card per the agreed terms and per the review of a Chase Compliance officer done back in XXXX XXXX, 2013 was within accepted parameters of the terms of usage of the card.
Product: Debt collection

On  X/X/17   , I received a phone call from an  ATG Credit ( based  on whom was identified over the phone upon the call return ). I missed the call. I called the establishment to determine the purpose for the call. I spoke with an individual by the name of  XXXX . I provided my telephone number. I expressed to her my concerns that I have been scammed by people in the past and was not comfortable about providing my social security number over the phone and requested additional information to verify my identity other than my SSN and DOB. She was very belligerent and rude to me and left me feeling absolutely abused by her communication tactics. I tried to speak, she began to rant on and on and just hung up on me.  <P/> I attempted to resolve this by requesting to speak with a manager and she returned to the phone with the same hostile attitude, using very abusive tone, and again, hung up on me.  <P/> My concerns are valid given that I googled the number and it came up reported by others to be a scam, therefore I was not comfortable providing my information to a stranger, especially since they came off as disrespectful and condescending.  <P/> If it would be beneficial, I recorded all of the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose! 

I never gave this creditor permission either verbal or in writing!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint regarding my loan account with Applied Data Finance , LLC d/b/a Personify Financial, citing significant concerns about their loan servicing and reporting practices. My complaint is supported by the following detailed issues : 1. Non-Compliance with the Arbitration Clause in the Loan Agreement The loan agreement includes an arbitration clause requiring disputes to be resolved through arbitration. However, Personify charged off my account on or about XX/XX/year>, and reported it to credit bureaus without initiating or completing arbitration proceedings as mandated. 

The arbitration clause lacks clarity on its scope regarding charge-offs or credit reporting disputes. Specifically : It is unclear whether Personify was required to arbitrate disputes about my alleged default and the resulting charge-off.

The contract does not adequately define the steps Personify must take to resolve such disputes through arbitration, leaving room for misinterpretation and potential violations of the agreement.

I believe this ambiguity and bypass of arbitration constitutes non-compliance with the agreed terms.

2. Potential Violations of the Truth in Lending Act ( TILA ) Due to Unclear Disclosures The Truth in Lending Act ( TILA ) mandates clear and conspicuous disclosures of key loan terms, including : Annual Percentage Rate ( APR ) Total finance charges Payment schedules and amounts The loan agreement lists an APR of 36.20 % but fails to provide a clear, easily understandable breakdown of how this rate translates into total finance charges or bi-weekly payment amounts. Additionally : The payment schedule lacks clarity on the total number of payments, how interest is calculated over time, and the final payoff amount.

Terms are embedded within dense legal language, making it difficult for the average consumer to fully comprehend the loan 's cost.

These issues may violate TILAs requirement for straightforward and prominent disclosures.

3. Discrepancies in Charge-Off Procedures and Reporting Accuracy Under the Fair Credit Reporting Act ( FCRA ) Personify claims to follow FCRA requirements, yet there are concerns about the accuracy and integrity of their reporting : The charge-off was reported to XXXX without evidence of compliance with the arbitration clause.

The reporting reflects a " charged-off '' balance without clear documentation supporting how the balance was calculated, raising questions about its accuracy.

4. Excessive Interest Rates Potentially Violating State Usury Laws The loan agreement specifies an APR of 36.20 %, which may exceed the usury limits of certain states. However, the agreement does not explicitly state which states law governs the loan. This omission creates ambiguity about whether the interest rate complies with applicable laws.

For example, many states cap personal loan interest rates at a lower level than 36.20 %. Without clear identification of the governing state law, the lenders practices XXXX violate usury protections afforded to borrowers in my state of residence.
Product: Debt collection

On XX/XX/2022, I reached out to Fidelity Creditor Services via this site. Your agency reached out to them on XXXX. Then your agency reached out to them again to provide debt validation. 

Fidelity Creditor Services provided a statement. They verified the debt of {$3000.00} to all three credit bureaus. They verified on XXXX it was inaccurate and false and that they would email information to show this account was validated. As of XXXX, I have not received any information from Fidelity Credit Services. 

This is my third attempt to have validation of the debt. I have sent a certified letter to Fidelity Credit Services to validate this debt as of XXXX. I do not have time to sit and go around and around with a company that has blatantly violated all XXXX XXXX XXXX information. I demand they send all information to CFPB as an attachment to verify they can validate the debt. 

I do not understand how a simple lie on their behalf without valid proof of documents proves this information belongs to me. I am requesting the documents are sent through this platform by Fidelity Credit Services. What is the Debt? When was the Debt Created? I have never even heard of Fidelity Credit Services-Tate Real Estates as a representative.
Product: Credit card

A few weeks ago I received an email offer from best egg, for a pre approval of {$3500.00} and 0 % apr introductory rate for the first year. Since I am trying to lower my dependency on credit cards I signed up, thinking that I would transfer my credit card balances and just work on paying them all off. After I applied. I get an email saying that I only got approved for {$1000.00}. I figured I would go ahead and take it because something is better than nothing and its still a 0 % APR introductory rate for a year and I would just move over credit. Then two days before the credit card came in the mail and says the 0 % APR is only good toward purchases and not balance transfers or cash withdrawals. Well thats game over I dont want the card should not be on my report and I feel its false marketing? And canceled my card before activating it but I do not want to sell my report. They got me to agree for a credit check under false pretenses and then change the terms of the card and just not fair life is hard enough especially when youre on XXXX XXXX XXXXXXXX, or a income. I need help getting out of debt. I dont need more restraints to remain in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO CEASE AND DESIST To whom it may concern, This is in reference to the consumer report dated XX/XX/2022. While checking the above report, it became obvious that your company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding the debt directly or indirectly through to any person through any medium. XXXX  is literally providing this information to the credit reporting agency. And the credit reporting agency is furnishing this information without validating the transaction which makes for an unfair and unequitable consumer report for me. As per the literal interpretation 'Any medium '' included any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing the information regarding the alleged debt ) by the company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices act ( FDCPA ) If you do not cease communication a lawsuit will commence against you.