23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and duplicate accounts on my credit report, which have been reported by your agency. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to address these violations.

As per the recent legal precedent set in Westra v. Credit Control Services , Inc. ( 2016 ), it has been established that furnishers of information to consumer reporting agencies must ensure the accuracy and integrity of the information they provide. In this case, XXXX XXXX XXXX XXXX XXXX was found liable for inaccuracies in reporting, highlighting the obligation of furnishers to comply with FCRA requirements. 

The inaccurate and duplicate accounts in question are negatively impacting my creditworthiness and financial standing. Therefore, I demand the immediate deletion of all accounts associated with your organization due to violations of FCRA, specifically inaccurate data and duplicate accounts. 

Furthermore, I have previously requested the following information from your organization to validate the debts and correct the inaccuracies : Errors & Omissions Insurance Number Bill of Assignment file from the Original Creditor for third-party collections Documentation indicating whether your organization has filed an insurance claim or if a 1099-C has been filed Verification of your organization 's license to collect in my state It is imperative that you provide the requested documentation as proof of the validity of these accounts. Until such time that these documents are provided and the inaccuracies are corrected, I demand that all reporting on these accounts be ceased immediately. 

Failure to comply with these demands will result in further legal action to enforce my rights under the FCRA.
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Vehicle loan or lease

In XX/XX/XXXX, I financed a XXXX XXXX XXXX through Consumer Portfolio Services, with a loan amount of {$25000.00}. The loan carries a 25 % APR, resulting in monthly payments of {$670.00} for 75 months, totaling {$50000.00}. I believe the loan involves predatory practices, as a significant portion of each payment goes towards interest, making it difficult to reduce the principal balance. As a result, the loans loan-to-value ( LTV ) ratio has reached 188 %, preventing me from refinancing the vehicle. I was not adequately informed of the financial impact of these terms at the time of signing, which I believe violates fair lending standards. I seek an investigation into these lending practices and guidance on potential remedies.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS, LLC Last reported : XX/XX/2019 I have tried to dispute this with XXXX and have disputed this with XXXX. 
I have never dealt with XXXX XXXX XXXX. 

I have not gotten any notification from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Checking or savings account

i was at the XXXX store buying things went home like nothing bags in my arms i got in my apartment put stuff down realized my wallet and cell were lost went back and nothing i searched nonthing. days after i went online banking seen all my money was gone how much more i have to go threw fighting XXXX  XXXX failure
Product: Debt collection

Jefferson capital system say they are XXXX XXXX XXXX XXXX is on my credit report all three of them ( XXXX, XXXX XXXX ) saying that i have an open balance of XXXX and no one can give me the exact date the debt the breakdown of the debt of whats owed line by line or any of the contract information. Now theres this other company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) who has a company called XXXX XXXX calling and texting me.. 

Also, Im currently with XXXX as my cell phone company.
Product: Credit reporting, credit repair services, or other personal consumer reports

While viewing my Transunion report, I noticed that a bankruptcy of my consumer report which was obtained from The Public Access to Court Electronic Records ( PACER ) by you ( LCI ). Pacer, a service that provides electronic public access to federal court records. Pursuant to the reporting requirements, the reporting does not comply with FCRA, You violated my right to privacy by obtaining information regarding bankruptcy from pacer and furnishing my credit report. The Law Clearly states that, 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You did not respect my right to privacy, nor treated me fairly. This has damaged my reputation and it makes it difficult for me to obtain credit. 
Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency.

( 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL SUBJECT to sub
section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give you written permission to provide any information for my consumer report.

Also, 15 U.S. Code 1681s2 - Responsib
ilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVERBANK - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

We have a mortgage serviced by Green Tree. In XXXX of this year 2015 It became apparent that my business could no longer sustain my salary. Therefore I elected to go and get another job and put my salary back into the business. I continued making XXXX payment a month but in XXXX I could no longer do this I was only working part time and was looking for a full time job. I called Green Tree explained to them that we had already done a modification and could we do another. I was told it did not matter that we had already done a modification fill out the application submit all paperwork. That is what I did. I faxed in everything. In XXXX I was told we did not qualify because we were missing information XXXX XXXX explained to me I needed to send in back statements and profit and loss from my business. I did. The account was then assigned to XXXX XXXX ext XXXX again I received a letter stating that Green tree needed more information and we missing information our XXXX income pay stubs. I faxed in pay stubs.. In XXXX I called talked to XXXX again our circumstances at my business had changed we had taken on a partner and I would be returning making a salary. XXXX advised me to fill out the application again and send in a letter. I did so. Again, we received a letter stating the modification could not be done due to not turning in information. Each time I received a letter or request I faxed in the required paperwork. After receiving this I called Green Tree and asked for someone in the Loss mitigation department. I spoke to XXXX ext XXXX. XXXX advised me that we were not eligible for a modification since we had XXXX. In 5 months NOT ONE PERSON ADVISED ME OF THIS. XXXX ALSO EXPLAINED THAT WE HAD BEEN SENT THE WRONG LETTER EXPLAINING WHY GREEN TREE COULD NOT DO THE MODIFICATION. I ASKED GREEN TREE TO SIMPLY REINSTATE THE MODIFICATION AND WE WOULD BEGIN MAKING MORTGAGE PAYMENTS. DURING THIS ENTIRE TIME I WAS TOLD I COULD NOT MAKE A PAYMENT. HELP WE DO NOT WANT TO LOSE OUR HOME. XXXX AND XXXX XXXX XXXX LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt authorize a hard pull on my credit from XXXX  XXXX XXXX XXXX  or XXXX  XXXX, i would like those hard inquiries removed please.
Product: Money transfer, virtual currency, or money service

Hello, on XX/XX/2020 my account with Robinhood its investment company was compromised. The only way to get in touch with the company is through email. I had four stocks that were traded without my permission. I have done everything that the company has requested me to do and have not received any response. I would like to know, if you could please help me. The company email is Robinhood.com
Product: Debt collection

Collector came to my door with a police badge on saying he was coming to collect payment on a car that I turned in already.
Product: Debt collection

They were asking for an account number or social security number. But we have never done business with TRUIST BANK. They claim we owe XXXX for an account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Student loan

During all of 2023, it has been a war with Mohela to get them to do their jobs. Before the payment pause was lifted, I spent hours on hold and enlisted XXXX XXXX 's office to intervene on my behalf. I have submitted employer forms manually and electronically and it has been more than 60 days and they are still not processing these forms. 

They are also not updating the payment counts -- the last payment count on my account is from XX/XX/2023 -- even though XXXX is half over and XXXX and XXXX both qualify. 

***If they charge the gov't by month, per open loan, they are currently conducting fraud. *** XX/XX/2023 was my final month of payment -- XXXX payments. I submitted an employer certification form on XX/XX/2023. Another form was submitted in XX/XX/2023. It is now XX/XX/2023 and my loans are showing a payment due on XX/XX/2023 even though my loans are in the newest Mohela incompetence payment pause. 

I need my forms processed, my payment counts updated and to obtain my promised PSLF forgiveness.
Product: Credit card

I have gotten bill/statement for ( dental ) services I did NOT receive. The ONLY ( dental ) work done in XXXX 2015 by XXXX XXXX, was XXXX ( XXXX ) dental XXXX whose price was quoted to me at XXXX dollars ( {$1100.00} ), yet I got a bill/ statement in the amount of XXXX XXXX XXXX dollars ( {$6000.00} ). Not only has my dental condition WORSTENED, I have NOT been able to be seen by another dentist, and my credit has been NEGATIVELY IMPACTED & gt ;
Product: Mortgage

My complaint concerns the PMI on a mortgage loan with Santander Bank. 

The Bank keeps charging me for PMI even though my outstanding balance, as of this moment, has dropped below 67 % of the lesser of the original purchase or appraised values. I have never missed a payment. 

I contacted the bank in XX/XX/2020 when the outstanding balance was 76.04 %. They replied that " To qualify for PMI cancellation at this time, you have to ... order a new valuation to verify that your property has maintained its original value. '' I did not order a new valuation because I knew that they should automatically cancel the PMI when the balance reaches 78 %. It says so in the 1098 Form which Santander themselves send every XXXX for my tax records. 
" If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' It's been almost a year since my outstanding balance reached 78 %. I still pay PMI every single month. 

My request to Santander Bank is to cancel the PMI on my loan immediately and to reimburse me for the months when I was changed improperly.
Product: Checking or savings account

Wells Fargo as a means of retaliation has started to harass me with an email insisting I owe them for charges they paid on their own free will and against my authorized consent. They refuse to provide proof of my alleged misuse and an explanation as to why my account was charged without over draft. They insist my cards were closed to avoid loss but ignorantly paid out over {$3000.00} to XXXX XXXX. The first error they made in XXXX there was no backlash. Now because I've fought back and spoken up I am being threatened and harassed with a debt they willfully incurred. It's retaliatory and I will not allow Wells Fargo to bully and harass me. They have lied about investigating the matter and failed to render a precise and thorough investigation. Had they done so the recorded call that I placed where I was told my cards were canceled due to my being attacked nothing I did would've been found and reviewed. However they never asked for the exact date and time. Now they are adding insult to injury and increasing my stress level with this frivolous collection notice. They chose to pay charges it's their responsibility to cover it due to my being the customer. But it proves that my financial status doesn't support my being a valued customer. It's discriminatory, XXXX, retaliatory and absurd.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions. 

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX  XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documentation as it details my issues and dispute with Experian. I will attach my ID so that you don't send me that stall letter asking if a credit repair company is assisting me. This is me sending my own dispute and complaint. Please help me with this.
Product: Credit card or prepaid card

Fraudulent Charges : XX/XX/XXXX and XXXX of XXXX there were a series of 4 charges made in California ( CA ) on my credit card. I called USAA, disputed that charges as I live in New York and was in NY when the charges took place. They were promptly removed from my account. 

Whole Foods - {$29.00} Whole Foods - {$68.00} XXXX - {$6.00} XXXX - {$11.00} Fraudulent Charges Reinstated : XXXX of XXXX the charges reappeared and after calling, I was informed that an investigation took place and based on login activity on my USAA banking app, my IP address showed me in California. This is a flawed method, as I use a Virtual Private Network ( VPN ) that masks my IP address and routes it through other servers ( which will make me appear to be in different locations such as California ). 

Attempts to resolve : I've since called in to USAA on 10 separate occasions. There have been 4 different dispute tickets filed by a member of their Member Resolution Team ( XXXX ) which were supposed to review documentation I provided proving I was in New York, not California ( other credit card statements showing NYC transactions and Google Maps history ). Each time the member of the fraud team states that IP address data shows I was in California and thus the determination that " the member '' ( me ) is liable for the charges. 

Documents provided to USAA ( Proof of me in New York ) : - Proof of XXXX - XX/XX/XXXX XXXX Statement ( XX/XX/XXXX charges ) .pdf - shows transactions from my Chase account for New York restaurantsXXXX public transit ( XXXX  ), etc on XX/XX/XXXX and XXXX of XXXX ( the dates USAA claims I was in California XXXX. 
- Proof of XXXX - XXXX - Screenshot of my XXXX Maps data from XX/XX/XXXX which show me traversing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never paid this account late and this account was paid in full. It is still showing as late on my credit card. I would like it removed from my credit reports as negative