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

XXXX is reporting late payments to Experian and XXXX. For some odd reason, XXXX is furnishing information that is incorrect. This company has been under scrutiny for not applying payments to consumers accounts correctly as well as many other FCRA violations. On XXXX XXXXXXXX XXXX the Consumer Financial Protection Bureau filed a suit against XXXX alleging that the servicer hurt borrowers by providing bad and sometimes false information, not processing payments correctly and not taking appropriate steps to rectify situations when borrowers brought up these complaints. I was affected by this and the late payment reporting XX/XX/2017 is incorrect. I was never late, and this account needs to be updated immediately. I am not asking for the account to be deleted but I am asking for the late payments to be removed immediately or I will move forward with filing a statement of claim against your company for clear and obvious negligence, FCRA violations, and mental anguish because your company has caused me serious financial problems, distress, and loss of credit opportunities. Please see the attached credit report and update to paid as agreed, never late. XXXX has since deleted this erroneous error, and I am requesting that Experian and XXXX follow suit.
Product: Debt collection

Hello i had problems with this card company and filed a complaint about the with cfpb # XXXX and now with no notice, we find out that another company reported it on my credit they never sent us any notice what so ever and have not allowed us our due process this is a secured card that has been paid they are killing us with late fees and the penalty for no reason
Product: Debt collection

I have a debt collection reporting on my credit that is not mines. I do not recognize this account nor the details being reported. This account appears to be frivolous due to a potential identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I was not properly served. Default judgment been filed recently. Debt was transferred to a different servicer prior case filing. Charged off debt amount : {$15000.00}. Case number : XXXX. I've communicated with Zwicker and Associates, they are a debt collecting law firm. 

According to IRS guidelines under **IRC 166**, once a debt is deemed worthless, it should not continue to be collected. The continued collection efforts raise questions regarding the debts actual value. 

Failure to adhere to these guidelines could result in IRS violations, which may incur fines underIRC 6700.

IRC 6700 imposes penalties on individuals who promote abusive tax shelters or prepare false or misleading statements regarding the tax implications of a financial transaction. The fines can be significant : * A penalty of $ XXXX each improper promotion or representation made. 
* If the promoter is a corporation, the penalty increases to $ XXXX each violation. 


In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, I request validation of this debt, including : 1. Documentation proving the existence of the debt and its current balance.

2. Evidence showing that the debt has not been categorized as worthless for tax purposes.

3. The accounting financing statement related to this charge-off.

4. A copy of the original contract with my signature.

Additionally, under **15 U.S.C. 1692e** and **15 U.S.C. 1692f** I am entitled to request and obtain all information relevant to this debt, including any records of communications and transactions. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically XXXX*15 U.S.C. 1681b** and **15 U.S.C. 1681s-2**, I request that you cease any reporting of this account until proper validation is provided. 

I also wish to address your recent filing for default in court regarding this matter. Given the principles outlined in both the FDCPA and FCRA, I request that you dismiss any legal actions related to this account until proper validation is provided. 

If this debt is indeed considered worthless, I ask why collection efforts and legal proceedings are ongoing. I expect your response within 30 days and anticipate a resolution to this matter. 

Thank you for your prompt attention.
Product: Credit card

I opened a dispute with discover on XX/XX/year> for a portable camper that was never received from XXXX XXXX XXXX in the amount of {$3800.00}. I gave Discover receipts and all accurate information proving I did not receive my item or refund. On XX/XX/year> Discovered denied my claim because the merchant did not answer. I want Discover to issue my full credit as they should when a consumer does not receive what they paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Inquiry Details 1. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several items with inaccurate and missing information.These items are negativity affecting my ability to obtain credit.The consumer reporting agencies need to report all information with complete accuracy.I have highlighted the items I dispute on the attached copies of my credit reports. I am now requesting you investigate and provide verifiable proof with records that these accounts are accurate. If the accounts listed below can not be verified as accurate, I demand these accounts be deleted. 
Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 

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

Inadequate counsel or missing leading information leading up to your filing. I was informed by attorney how to handle my debt when I got to court, the judge told me I was lied to by my attorney and did I want to drop the bankruptcy and not go through with it and I said yes. Never used it. I had to prove that I had dropped bankruptcy in order to pay my debt myself. You cant keep this on record as if I started a bankruptcy I never used and you cant do double jeopardy. As in, I cant prove to creditors Im not in bankruptcy and pay my debt. You get one way or the other. Please remove me from a bankruptcy. I am a special circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/2020
Product: Debt collection

I am a victim of a well document identity theft. The original creditor recognized the identity theft and the MULTIPLE previous debt collectors have recognized this as well and have ceased collection efforts and removed any negative reporting on my credit file. This debt collector bought this debt for pennys from a previous debt collector who acknowledged this debt was invalid due to it being tied to the identity theft. I have had to involve the CFPB for previous accounts opened in my name. I have attached a letter from my bank which details how the identity theft began as well as a letter from another debt collector regarding another account opened due to identity theft and their removal of the debt proving that the identity theft happened and this debt is not valid. This debt is not mine and is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters to each of the credit bureaus Transunion, XXXX and XXXX  since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX company is reporting the personnel loan as a negative account when the account was paid and closed. Also, listing late payments when account was closed and no data to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal ofthe erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair credit reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already looked at these accounts with the wrong information, and after reading your responses, I saw that the same accounts still have confirmed errors. Correct the following things, please : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I want to close my PayPal account ; I no longer wish to use their service. My bank account information is part of my PayPal account details ; the bank account number can not be deleted from my PayPal account details. I wish to close my PayPal account to ensure my bank information is not vulnerable to hacking or other fraud or scam. 

PayPals User Agreement indicates I may close my account at any time. However, when I attempted to close my account myself, the system returned an error message telling me to contact customer support. 

Ive tried to call customer support repeatedly, but there are no live agents to assist. PayPal has no monitored email accounts. The only available support is via their direct messaging system. I have messaged PayPal every day for almost 2 weeks but can not get any real assistance. The last message I received indicated that they were unable to help me and that I would not be able to close the account for 180 days. No reason was provided for this delay, so this seems to be standard business practice. That is, unilaterally deny the consumer the ability to close his/her account for 6 months. 

In addition to repeated phone calls and messaging, on XX/XX/XXXX, I wrote a snail mail letter to an address that purportedly manages PayPal disputes. However, I expect this letter to be ignored. 

By way of background information, I do not owe PayPal any money. I have no open cases. I have no pending transactions. I have no active recurring transactions established in the system.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXXXXXX 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
Product: Mortgage

My mortgage company failed to provide and/or prevent my mortgage from going into foreclosure. The mortgage company is Mr.Cooper also goes by the name of Nationstar mortgage. Mr.Cooper never sent a notice letter of the default and/or action that needed to be taken by me. If they did attempt to call they were unable due to the change in my house number. However, I made two payment in the month of XXXX. On XX/XX/XXXX ( {$1200.00} ) and XX/XX/XXXX ( {$1200.00} ), Both mortgage payments were rejected. When I called to inquire as to why, a Mr. Cooper agent stated that they did not have a reason and that he did see on the account as to why. He then went on to say that I was only two months behind but to just send in the payment again. The agent told me all the wrong information.. It wasn't until XX/XX/XXXX still receiving no notice letters of default. It was this call that I was told that the deadline to take any action on the account which was XX/XX/XXXX the day that I called in and received the wrong information. I was then told through my telephone call that my home was put into foreclosure on XX/XX/XXXX. Since then I have called every day for action and assistance on my mortgage but for a month in a half they stated that they could not find the recording, they rejected calls/ gave me the run around, never returned my phone calls even though they said they would call me back personally. I was given fake phone numbers by managers. I was told that managers were in meetings and could not come to the phone. I was put on 20-30 minutes holds after reaching agents. I left an email to one agent that I had called but received a call back. Managers stated that they would listen to the recording of error and call me back within 24 to 48 hrs but never did. One agent XXXX set up a payment plan for repayment of two within one month. I was able to make a payment on XX/XX/XXXX for {$2400.00}. I said that I would pay the another payment of XXXX by the end of XXXX early XXXX. However, Mr.Cooper did not honor the action but dismissed the repayment plan. When I requested a letter in writing to state that they could not find the recording of the agent giving me the wrong information they said no. I tried to reason with them and state that the four months default of {$8000.00} would be paid off by the end of XXXX, to just give me forbearance of time however, due to the rejected payments and phone call they push me into 6 months default of {$11000.00}, making even more difficult for me to make all payments. They want me to add an additional {$20000.00} of debt on to the loan with modification. When I requested reinstatement they also refused to give that information within 3 days causing another deadline which increase the reinstatement amount. They are refusing to allow or consider any action requested because they are unwilling. They told to call XXXX XXXX about the loan. They also stated that it wasn't their action but the FHA people telling them what to do. They do not want me to keep my home but want to continue to drive me into further debt.
Product: Money transfer, virtual currency, or money service

I made a purchase for a car engine thru cash app for {$1000.00} contacted cash app and was never resolved. The name of company I bought from is XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL THREE CREDIT BUREAUS SHOULD REPORT THE SAME. 
XXXX FROM XXXX IS XXXX info Address XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number