23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to bring to your attention an inaccuracy in my credit report that requires immediate correction. Upon reviewing my credit report, I discovered an entry related to a late payment that inaccurately portrays my credit history. I believe this discrepancy has occurred due to confusing reporting, as the account was, in fact, paid on time. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It appears that there may have been a misunderstanding or error in the reporting of this information. I am confident that a thorough review will confirm that the payment was made on time and that the late payment entry is inaccurate.
Product: Mortgage

XXXX has received assignment of the note while it was in default. This makes them a third party debt collector. XXXX used XXXX management to service the Loan. I informed them of my rights and protection under the Fair debt collection Practices act by certified mail. XXXX continued to try to collect on this note even though they were sent notices to cease and desist. XXXX has filed action in court to foreclose on XX/XX/XXXX. I have no lawful binding contract with XXXX. The loan was in default on XX/XX/XXXX, XXXX was assigned the note on XX/XX/XXXX. I have sent notices to the previous servicer XXXX and they stop their attempts and sold the debt to XXXX.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt response regarding my complaint concerning inaccuracies on my credit file. However, after reviewing the results of Equifax 's investigation, I must express my dissatisfaction with the outcome. 

Despite my assertion of inaccuracies, the investigation appears to have resulted in minimal action, with the disputed items still not reflecting the necessary corrections on my Equifax credit file. This correspondence serves as a request for a reinvestigation into the matter, as the initial investigation failed to provide a satisfactory resolution. 

Additionally, I must highlight that due to the discrepancies on my credit file, I have placed a fraud lock on my account to prevent any further unauthorized activities. This underscores the urgency and importance of resolving these issues promptly. 

Furthermore, the explanation provided regarding inquiries does not sufficiently address my concerns. While I understand the necessity of inquiries under the Fair Credit Reporting Act, I believe there may have been unauthorized inquiries that warrant further investigation. 

I urge you to revisit this matter and conduct a more thorough examination of the discrepancies on my credit file. It is essential to ensure the accuracy and integrity of my credit report, as it directly impacts my financial well-being. 

I kindly request your assistance in resolving this matter promptly. Please provide guidance on the next steps to escalate my concerns and achieve a satisfactory resolution. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of XXXX. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account, XXXX XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00}. 
This account is incorrectly being reported as a charand off account with a balance due, Please provide proof of the charge off and update the balance to XXXX  or delete the negative payment status on this account.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, XXXX, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX  for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this XXXX  company as I don't owe them anything. I paid XXXX & XXXX XXXX. Yet this company placed this on my report as a collection and in turn Transunion dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet Transunion has not responded. I showed them proof. I contacted XXXX  and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX account. So they should be in this complaint as well. Yet, XXXX still sent this to the credit bureaus AFTER the fact. This is causing undue stress.
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

Please REMOVE these inaccurate accounts and unauthorized inquiries stated in my credit report, TODAY!
Product: Credit reporting or other personal consumer reports

SUNRISE CREDIT SERVICES INC have asked you to validate the alleged debt you claim I owe, and all you have provided me is a letter dated XX/XX/year> with a reference number SCS : XXXX for an alleged account # XXXX for a balance of {$300000.00} which you can not prove is mine. 
You SUNRISE CREDIT SERVICES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You failed to validate this alleged debt. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.

15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX  Balance : {$280.00XXXX XXXX XXXX XXXXBalance : {$660.00}
Product: Debt collection

I paid an {$85.00} bill. This collections agency put on my XXXX credit report as I still owe this money. They told me they update the report every Friday. Friday came and no update. the next Friday showed up and no update. Then they told me they would send a receipt and I would have to contact XXXX myself. Three times I asked for this receipt and they never sent anything to me. I had to put a reverse on my credit card. Now they are trying to collect this debt again.They put XXXX more negative things on my report. They could only put negative information on credit reports This collections agency should be shut down
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Exeter Finance Corp violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 usc 8, 15 usc 1611 ( 1 ), 15 usc 1611 ( 3 ), 15 usc 1640 ( i ), 15 usc 1605 ( a ), and 15 usc 1692e
Product: Debt collection

The debt is not mines, I already tried to fix this problem with the company ( Transworld Systems Inc. ). Transworld Systems Inc. at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$2700.00} and has been reported as past due. I do NOT know this company. I have NEVER done any business with this company. This company does NOT have a contract with my signature.
Product: Student loan

My student loan is with Sallie mae. On XX/XX/2022, I was put into a loan program and I have been making payments for 2 months. Today on XX/XX/2022, I was told that they were going to force me to pay more which I can not do and the payments they took didn't help my account now I am past due to a mistake made on Sallie Mae 's end. During this time i received a large amount or harassing calls which Sallie Mae told me to ignore.
Product: Credit card

In accordance to the fair credit reporting act this creditor has violated my rights UNDER 15 U.S.C. 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account with out my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am requesting immediate correction to my credit report, which currently lists my student loan twice. This duplication has significantly impacted my debt-to-income ratio, causing undue financial strain and affecting my ability to secure necessary financial services. There are two different payors listed on my credit report one from MOHELA and one from Missouri Higher Education totaling over {$90000.00} dollars in debt. This has impacted my debt to income ratio when I do not even have these loans. This error has not only lowered my credit score but has also misrepresented my financial obligations, leading to potential denials for credit applications and other essential services. I kindly request that you investigate this matter and correct the inaccuracies on my credit report as soon as possible.

something needs to be done about these student loan lenders.
Product: Debt collection

I agreed to pay {$420.00} to National Credit Adjusters ( NCA ) who were representing XXXX XXXX. I agreed to make 3 payments of {$190.00} beginning XX/XX/19. I made an on time online payment on XX/XX/19 of {$190.00}, confirmation number XXXX. I made an on time online payment of {$190.00} on XX/XX/19 on XX/XX/19, confirmation number XXXX. However, NCA reported my payment as missed or late to XXXX credit reporting agency and my credit score plummeted more than 60 points. I filed a dispute with XXXX and they later wrote and told me that the creditor said it was correct. It is a flat out lie. I dont  know why NCA is trying to ruin my credit after I have agreed to their payment schedule and followed it to the letter. I will provide my bank statements to you as further proof. I would appreciate your further investigation of this matter. I will make the final payment of {$190.00} before or on XX/XX/19 as scheduled.
Product: Checking or savings account

I am filing a formal complaint against Chase Bank for improperly closing my account and denying me access to my funds, despite repeated inquiries. Here are the details of my issue : On [ insert date ], Chase Bank funded my account with a provisional credit following a dispute. I informed Chase Bank that I had a car payment due on the XXXX of this month and needed access to my funds. Chase Bank advised me to visit a branch ATM to withdraw the funds. I did so, successfully making a withdrawal. 

Shortly after, I attempted to make a XXXX transaction, only to discover that my account had been closed, and the remaining {$2000.00} in my account was frozen. I immediately contacted Chase Bank and repeatedly asked for an explanation regarding the closure of my account and when I could expect access to my remaining funds. Unfortunately, Chase Bank has provided no clear answers and continues to withhold my money. 

This situation is causing significant financial strain, as I am unable to access the funds I need for urgent payments, including my car payment. Chase Bank 's actions appear to be in violation of consumer protection regulations, specifically those related to fair access to funds and transparency in account actions. 

I am seeking immediate assistance from the CFPB to have Chase Bank release the {$2000.00} currently held in my account and to provide a clear justification for the account closure. The lack of response and cooperation from Chase Bank is unacceptable, and I believe their actions are unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX, XXXX, XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to buy {$250.00} in an XXXX XXXX on XXXX and they sold me a counterfeit version of the XXXX USD-pegged XXXX on a " sidechain '' from which you can not send or exchange it. 

This is fraud. I complained and they told me : " Currently, there's no XXXX to XXXX XXXX developed by the XXXX team, as the  project " XXXX XXXX XXXX '' is only on XXXX and is yet to be launched on XXXX. 
XXXX profile '' So the XXXX I bought is not REAL fungible XXXX on the XXXX XXXX  which I was never told when buying it that I would not be able to send it to my regular XXXX token wallet because they built their own fake version of XXXX that makes the tokens you buy even more useless and worthless than regular cryptocurrency...
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding [ Transunion ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ] Complaint # XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, and government-issued ID. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA. I've attached their response to my request including their lack of transparency violating 611 's mandate for a reasonable reinvestigation and transparency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of the information removed/updated from my credit report that I requested in my dispute letter dated XX/XX/2021. I followed up with a demand and comply letter on XX/XX/2021. Due to me not hearing anything back from XXXX, Equifax, and XXXX in the 30 days that is required for me to get a response. I am not asking that all three credit bureau 's update my credit report as per my original request.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I closed out an account with XXXX XXXX XXXX XXXX XXXX XXXX that was considered PAID IN FULL but has continously posted in accurate stating I made payments XXXX XXXX also posting several late payments when in fact it was closed and PAID IN FULL XX/XX/XXXX. This needs to be corrected with NO late payments or removed from my crefit profile. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted EQUIFAX or TIME FINANCING SERVICES such authority. THIS ACCOUNT HAS SEVERAL VIOLATIONS AND NEEDS TO BE REMOVED IMMEDIATELY.