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

Credit Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at XXXX different adresses in XXXX states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for Lowes credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and ex Girlfriend XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For XXXX yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you XXXX XXXX
Product: Debt collection

XX/XX/XXXX lien # XXXX ( tenants by the Entirety ) Closed District Court of Maryland For XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : In response to XXXX XXXX of the The Judgement Group Disputing my motion to vacate judgment # XXXX The information XXXX XXXX has finished you with is not completely true I am not working for XXXX XXXX, I am not a W2 wage earner. I have a real estate license and in order to keep my license active I must place them with a broker as an independent. Occasionally in the past I may refer business to other agents or put a home on the market on a commission base but I havent worked full time as an W2 for anyone in 20 years. I have raised my two daughters as a stay at home mother form many years. Now I am retiring soon and will be collecting Social Security. Due to XXXX and my XX/XX/XXXX XX/XX/XXXX I cant work at all, please see Doctors letter attached. 

All the information XXXX XXXX has sent you in Exhibits B, is from XXXX advertisements. XXXX notoriously pull, cut and paste information from unrelated blogs, and what looks like pieces of one of my old resumes. As a company XXXX XXXX will automatically place licensees information in their system, all brokers do the same whether an licensee is actively selling or not. You can contact XXXX XXXX and check my status, I am not working at all. 

The judgment group seems to diligently and in the cruelest manner go after money any way they can by seeking out and uninformed. I did not lie about XXXX XXXX, she did tell me that she would take my house when I tried to sell it. Additionally, I did not scream or yell at her, I am not that type of person. I believe in communicating as an adult in a professional manner. 

There are many reasons I am fighting this 12 year old unjustified judgment, 1 ). The original judgment holder XXXX XXXX XXXX XXXX tried to pass off to my family and I an old granite top kitchen counter, telling us it was new but that was not true. They knew it, thats why the owner of XXXX XXXX XXXX XXXX did not show up to court when I countered with a motion to vacate the judgment. Why the judge did not vacate the judgment at that moment I will never understand. 

2 ). I paid XX/XX/XXXXa XXXXXX/XX/XXXX for the install and asked them to remove the old counter and replace with a new one but they refused. 3 ). Collection agencies like The Judgment Group, have no idea how or why a judgment is placed upon an individual and they dont care, all they want to do is to collect the money. 4 ). The Judgment Group do not have a very good reputation, they have several business and customer complaints, I have samples of them in my first letter to the court clerk. I will keep fighting for my rights, XXXX XXXX XXXX XXXX tired to take advantage of my family and I and now The Judgment Group is doing the same. I will keep fighting until the day I die. 

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

On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, XXXX deleted XXXX XXXX ( account number XXXX ) however, XXXX and Experian XXXX to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did Experian and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. XXXX stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last XXXX  months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Chase Auto Loans in order to obtain the pay-off balance due and provide payment in full immediately and during the same banking session wherein I was provided with a total pay-off balance due of {$5600.00}, which would carry over and remain a valid amount due over the following 10-14 days. Thereafter, I received congratulatory letters of acknowledgement via XXXX, as well as a hard copy sent via USPS First Class Mail. Additionally, approximately 2-3 weeks thereafter, I received the original Title in the mail. On or about XX/XX/XXXX, I received a letter from Chase Auto informing me that my Auto loan was in arrears and needed my attention immediately. What ensued thereafter was nothing shy of ugly, argumentative, combative and non-resolute. Chase Auto 's contention is that I paid off MOST of the loan, shy of approximately {$40.00} when I paid a total amount of {$5600.00}, the amount I was given as the total payoff. I refuse to continue being extorted like this, " pay us XXXX XXXX XXXX  to satisfy your debt, or suffer the consequence. '' I am on XXXX and rely solely upon this monthly benefit to live on. Furthermore, I have been a Victim of Identity Theft, once in XXXX and the other in XXXX, which proved to be an exhaustive year long battles, both times, in order to finally set the record straight and ONLY because the disputed debt was determined to be too old in age to legally continue derogatory reporting upon. Common logic would dictate if my intent was to pay-off the loan in full, why would I choose to subtract {$40.00} from the total pay-off balance just to leave a rather high balance & obscene interest rates?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with experian one on XX/XX/XXXX and another on XX/XX/XXXX information regarding my student loans is still inaccurate and has been updated by both XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Discrepancy in Account Information on my credit report Dear Sir/Madam, I am writing to dispute an error in my credit report under my account, according to the purchase agreement I signed with XXXX XXXX XXXX XXXX furnished INACCURATE INFORMATION, the date listed on the agreement is XX/XX/XXXX. However, my credit report inaccurately shows XX/XX/XXXX as the date of the agreement. This discrepancy is a CLEAR violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be ACURRATE, COMPLETE, and VERIFIABLE. As per the FCRA, when an item on a credit report is found to be inaccuracte, it must be corrected or removed. In this case, since the correct date is XX/XX/XXXX as shown in the attached purchase agreement, I request that the XX/XX/XXXX date be immediately removed from my credit file. 

I have attached a valid picture of the signed purchase agreement that clearly shows the correct date of XX/XX/XXXX. I kindly request that you thoroughy investigate this matter and make the necessary corrections. If the information is not corrected, I expect the inaccurate entry to be removed my credit report entirerly, as per my rights under the FCRA. 

Please inform me of the outcome of your investigation and provide me with a corrected version of my credit report once the error has been addressed. 
Thank you for your prompt attention to this matter Look forward to hearing from you.
Product: Money transfer, virtual currency, or money service

This complaint is for Venmo app. 

XXXX XXXX I received money from a friend for his half of our night on the town. He didnt have any cash on him so I said we could use Venmo he sent {$550.00} and when I tried to instant transfer it the app wouldnt allow me. I tried to do the standard option and once I did they suspended my account for no reason and took my money. If you dont want me to use your platform thats one thing but taking my rent money is crazy. Im currently living in a hotel and that was supposed to be my room money. Im completely devastated and feel abused. I feel without hope. I tried to send money to a friend so I can pay for my room today. I was able to send XXXX to pay for my room today via Venmo to Venmo but what about tomorrow. These are very bad business practices they stole {$400.00} dollar 's, thats what they owe me for. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX and XXXX XXXX to XXXX balance, and all credit reporting agencies are not reporting that I paid these accounts to XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX last 4 of SS # XXXX XXXX XXXX To Whom it May Concern : This letter is being sent to you in response to *Response to a listing on my Credit Report. 

Be advise this is not a refusal to pay but a notice sent pursuant to the Fair Debit Collection Practices Act, 15 USC 1692G Stating your claim is dispute and validation is requested. 

This is Not a request for verification of proof of my mailing address but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your if your offices have reported invalided information to any of 3 majors credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Practices Act, and Defamation of Character. 


I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or the debt. 

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I 'am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : *Agreement that you have authority to collect on this alleged debt. 
*Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
*Complete payment history on this account, to prove that the amount you wish to collect is correct. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validating period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalided. 

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

In accordance with the fair credit Reporting act Experian, XXXX, XXXX, also XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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. There should be nothing negative in my consumer credit report I never gave oral or written consent.! This is a federal violation. Due to the negative reviews on my consumer report I have stuffed great XXXX. I am not able to get approved for anything due to the negligence of the credit bureaus. This had caused me great stressed. I missed out on my dream home due to the false and deceptive practices and the false and misleading information the credit bureaus gave me I lost out on my dream home and I have been mentally drained ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and TransUnion Credit Reports.
Product: Credit reporting

After contacting Equifax to get a dispute taken care of, my name was changed by them because a collection agency told them the name on the account was wrong. They sent them no proof, just said that they knew it was wrong because of the account name they had. When I received the results from Equifax and noticed this, I called Equifax to try to get the name put back on there correctly. They stated that they had to have proof from me ( copy of driver 's license, social security card, passport, etc. ) before they could changed the name. I asked them if they had proof from the collection agency that my name was what they changed it to and they said no but that they had to have the correct name to report to them. When I called back in XXXX, 2015 they had XXXX separate names listed. I told them then that XXXX of the names was wrong and was never my name. They said ok, XXXX names would stay. I accepted that because I was n't sending them anything through the mail for proof. When I received this new information on XXXX/XXXX/15, the other name ( which was the correct name ) had been taken off entirely. I requested that Equifax put the correct name back on there and they said they could not do so without sending the proof mentioned above. Again, I asked how a collection agency could change my name without this information when, I, the account holder could not change it without this information. They said they must have proof from information they had. I stated then they did n't have proof or they should have shown it to them ( Equifax ) as well. They refuse to change my name without these copies and I refuse to send it to them because I do n't want it falling into the wrong hands. 

It is up to them to prove why they changed my name. I have had no problems with any other credit reporting agency. I have no problem sending this information to a legitimate company but do not know why I should have to prove who I am when the collection agency had NO RIGHT to change my name in the first place. They had the correct name on the account when I called in to dispute the last problem. They should have NEVER taken it off without contacting me, either by mail or e-mail. 

I would like to have the correct name put on there and the other removed in its entirety. Please advise what my options are. Like I said earlier, they are the ones that removed the name WITHOUT MY PERMISSION and without any proof.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold to PNC and transferred to them effective XX/XX/23, I was advised I am protected by RESPA for the first 60 days of the transfer yet they sent me a letter stating negative information has been reported to my credit. Why is PNC violating my rights as a consumer.? Also, I applied for a forbearance I was told by whoever signed me up that it was effective XX/XX/23 through XXXX. Now, I am being told my forbealrance is effective XX/XX/23 through XX/XX/23 very contradicting. 
Also, I was advised that even if I am in a forbearance I will still be reported late and delinquent to credit bureaus. 
PNC provides nothing but incorrect information and every representative delivers different and inconsistent information. My experience with PNC has been a night mare, worst servecing. 
I requested a supervisor while i was on the line yet XXXX refused to take my call. What a great service.
Product: Debt collection

I, XXXX XXXX, entered into a consumer credit transaction with, XXXX XXXX and Barclays bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and Barclays Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.