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

I sent in my check for my mortgage payment inXX/XX/XXXX There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account with incorrect DATE OPENED. XXXX XXXX has date opened XX/XX/2020 and XXXX and Experian have date opened XX/XX/2020. XXXX XXXX is reporting a collection account with DIFFERENT ACCOUNT NUMBERS for the SAME ACCOUNT. XXXX has a different account number listed on my credit report than Experian and XXXX. 
Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX  ) Date Opened : XX/XX/2020, {$680.00} - EXPERIAN ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX  ) A collection account should not report as a OPEN ACCOUNT and a collection account should not have a BALANCE of {$680.00}. 
Dates of last active do not match either. There are 6 inaccuracies that are being report to Experian, XXXX and XXXX. This is a violation of the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

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

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Debt collection

Upon checking my credit reports I noticed that there was a collection account reporting to the 3 major credit unions. I sent in a letter to all 3 credit bureaus ( XXXX XXXX, XXXX, XXXX ) in regards to this collection account which I did not recognize and had no information on. XXXX deleted due to no validation, I received a letter from XXXX XXXX stating that the account had been verified. Also only receiving an itemized bill from Transworld Systems stating I lived at an address in XXXX ( I haven't lived there since XXXX ) and had a light bill in the amount of {$240.00} from XXXX when I have had the same electrical company since XXXX at the address I have had since XXXX, I then sent a certified letter to XXXX XXXX and Trans World Systems ( collection agency ) which were received on XXXX and XXXX asking for validation, how did XXXX XXXX validate said account? Who did they speak to etc. Trans World as well, since this definately didn't belong to me I was requesting more information than a falsified bill. I never heard back from TransWorld and only received a letter from XXXX XXXX stating that the account was verified. I called XXXX XXXX today and they stated that everything was done electroniclly and could not help further. I spoke to a supervisor by the name of XXXX XXXX and he stated that I would have to reach out to Trans World again even though they had 30 days to respond and still no response to this date. According to the laws I read up on for consumers I thought it was the responsibility of the credit bureau to investigate accurately since they are the ones reporting it. Especially since I sent them validation on how long I've had my current address. Collection agencies should not be able to get away with making false statements/bills to try and get consumers to pay bills that do not belong to them. As well as the credit bureaus should be held responsible for reporting false information. It states that we will be able to see detailed investigation results, including name an contact details of the source of the information on how the account was verified ... .no where does it state that information just states verified and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Debt collection

Dear Collector, RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Debt collection

Someone close to me on XXXX XXXX scammed my XXXX XXXX XXXX account through a one time transaction, money was transfered to my account through a different XXXX XXXX account, saying it was money he saved up and he needed help transferring it to cash, saying he would give me money for it he just needed my routing numbers and gmail, money got sent into my account and i helped him few hours later my XXXX XXXX is down and its saying i owe all this money, all that money i owed i never even touched i have screen shots and names i can pay half or make payments i dont want to get sued, also wanted to make a police report i talked to XXXXXXXX XXXX  over the phone they werent much help
Product: Debt collection

CAVALRY is attempting to collect on the judgment that is not mine. Judgment was filed back in 2010 and lined my property this is Not my account!!! I tried to dispute this with Cavalry, but they refuse to investigate or send me proof why they decided to lien my property for someone else 's debt ... Instead now they are harassing me for the payment..Now they started calling my work, even my ex and threatened to arrest me if I didn't pay the amount right away ... I attempted to contract the law firm who furnished the lien but they are NO longer in business or DO NOT exist as I was not able to find any business license under XXXX XXXX XXXX XXXX at all. this is fraud and should be stopped please help
Product: Credit card or prepaid card

Reported fraud to Citbank on XX/XX/XXXX. Two charges, one for {$65.00} ( XXXX XXXX ) charged XX/XX/XXXX and another for {$170.00} ( XXXX XXXX  ) charged XX/XX/XXXX. Credit Company never responded to my request. However, they did replace my card and credit card number as suspected fraud on acct. 

I called XX/XX/XXXX, as a follow-up and CSR told me that fraud dept never did the investigation. I would like my account balance adjusted to remove the two fraudulent charges.
Product: Debt collection

THE ORGINIAL DEBT WAS TO CAR FINANCE CAPITAL L, THEY SOLD THE DEBT TO XXXX XXXX XXXX. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A XXXX BALANCE.
Product: Money transfers

An individual called my XXXX year old stating he had won the XXXX prize and asked him to send a certain amount of money to insure what he had won via a money order. Him not knowing better had sent x amount of money to this individual cleaning out personal accounts.
Product: Credit card

I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. 

XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. 

Bank America is the bank. Its a credit card.
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various XXXX  and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX, Equifax and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )
Product: Credit card or prepaid card

I applied for a loan to purchase a motorcycle and was approved. The dealership submitted the loan documents to the financing company for processing. When an associate at the company processed the loan documents, that employee entered the information for my loan and several other consumers loan incorrectly into the system by adding the information twice. When I noticed the error in XX/XX/2022, I reached out to the dealership, and they followed up with the credit card issuer for the motorcycle. The credit card issuer is the one who confirmed one of their employees entered the information twice for my account and several other consumer accounts. However, instead of correcting the ENTIRE transaction, they merely adjusted the balance on my account, but still reported to all the credit bureaus the higher balance. When I contacted them on XX/XX/2022 to correct the " High Balance '' amount on my credit report, they told me I needed to do that by contacting all three ( XXXX ) credit bureau and then the credit reporting agencies would contact them. The financial institution creating this error ( Kawasaki Credit Card ) should have addressed and corrected this at the time of their initial investigation back in XXXX and not require the consumer to undo their employees error. They did not follow proper protocol to ensure that what they reported on my credit report was " accurate ''. They also seem to be complacent about aiding in getting it corrected and was adamant that " I '' needed to contact the credit bureaus to correct their error. Is this correct protocol/procedure? If so, this is not adhering to the Fair Credit Reporting Act as financial institutions have a " Legal '' responsibility to the consumers to do their due diligence in reporting accurately to consumer credit profiles. Kawasaki Credit Card managed through Citibank did not do this regarding a known error they created and as such is not compliant with the federal laws. Kawasaki Credit Card did not ensure that what they reported regarding my " high balance '', and potentially other consumer 's high balances, was accurate even after they became aware of the error made by one of their employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the TransUnion XXXX XXXX credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX   DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.
Product: Credit reporting or other personal consumer reports

I recently disputed a XXXX XXXX XXXXXXXX with Transunion. See Attached. Transunion verified the account as accurate. At the same time I contacted the courts regarding reporting to credit bureaus in which they do not communicate with credit reporting agencies. See Attached. I also contacted XXXX XXXX regarding this private information. See CFPB Complaint # XXXX. As a result of not having written permission to furnish my private data any and all data related to any bankruptcies were deleted from XXXX XXXX. See Attached. To knowingly report false or inaccurate information is a violation FCRA, defamation and trespass on person. Your company has severely impacted my livelihood when it comes to obtaining credit by reporting this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed a fraudulent account by XXXX XXXX account # XXXX with the OCC. The account was being reported by Equifax, XXXX, and XXXX. After the OCC investigation the account was removed from all 3 bureaus. 

However Equifax informed me on XX/XX/year> that the item was deleted from my credit report. Now in XX/XX/year>, I have discovered that the item has been reinserted on my credit report since XX/XX/year>. 



Attached is dispute from XX/XX/year> with account listed, XX/XX/year> Account Removed and XX/XX/year> account reinserted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX  accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating my rights under 15 USC 1681 section 602A, 15 USC section 604A section 2 and 15 USC 1666B view attachments below. Also in accordance with THE PRIVACY ACT OF 1974 as amended, 5 USC 552a. 
Also in accordance with TITLE VI OF CONSUMER CREDIT PROTECTION ACT. View attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score and ability to get a job. Multiple times I have contacted XXXX XXXX and Experian to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXX credit reports on Experian a total balance of {$8400.00}. 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, also states a consumer reporting agency can not furnish a account without my written instruction. Experian has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate. This has been an ongoing issue with previous report ( XXXX ) being closed due to not being specific. I am going to make it clear remove XXXX XXXX from my credit report as they have been reporting incorrect information on my credit report which has impacted my credit. Remove account immediately, I have provided proof that my write of balance of {$8400.00} showing on the status on my credit report is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Re : Acct # XXXX ( XXXXXXXX XXXX XXXX  ) To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( XXXX XXXX XXXX ) Please provide me with the pre and post sales letters, I never received them this account can not be reported to any credit agency without my written consent or the pre and post sales letters mailed to me. 
Under the laws of the State of ( State where the car was repossessed ) XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to XXXX, XXXX, and Equifax on XX/XX/2023. I attempted to reach out and have my issues resolved but XXXX was the only one to respond within 30 Days. There are multiple inaccuracies and differences on my account and only one was removed. The remaining accounts and inquiries will be listed below. 

In accordance with the Fair Credit Reporting act XXXX  Invalid Accounts and Account # 's have violated my rights : XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have a 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. I have not been asked or been contacted.

Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies says that a furnisher must not furnish inaccurate consumer information. A person who commits this contravention of this section shall be liable to a fine up to level 7 ( {$10000.00} ).