23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

applied 4 secured card, they took my money b4 approved, treated very badly when i called to inquire on the XXXX so i withdrew application and demanded money back. Been getting run around since, filed multiple complaints which CFPB does absolutely nothing with. In there XXXX  response they allege i called the XXXX for first time, that's a lie it was XXXX, they allege that they tried sending it back the XXXX but that's a lie as per XXXX if they had sent it we would have it and the phone number provided in their response is completely useless, I spent over one hour waiting to speak to some one b4 i had to give up, screenshot attached. If they were honest and well intentioned i wouldn't have to jump thru so many hula hoops to get back money they never should have touched. They would have called me or provided me with a functional email address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter 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 subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Product: Student loan

I've been paying a lawyer who I was sued by XXXX XXXX XXXX XXXX XXXX. Original balance was 10,000, I'm now paying the lawyer a balance of 15,000 at monthly installments. I've tried recently to find the paperwork regarding the private student loan not from the lawyer 's but from the trust itself. I need some guidance as to where I can find the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account showing on my Experian credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. 

However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from Experian she said it wasnt removed!! How is it possible they play with my credit report?!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with idenuty theft, fair credit reporting act n fakes reporting
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX  XXXX .... & XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am currently taking action to file a complaint against Cash App ( Block INC ) due to inadequate customer service and unfair practices. This actually violates the Consumer Finacial Protection Act. ( CFPA ). In other words, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which leaves my account vulnerable and unprotected, and I am very outraged about such thing.

Furthermore, their dispute resolution process is very unfair and deceptive, as they DID NOT COMPLY with the error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. And because of this, these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Credit Acceptance Corp " Paid OFF '' XX/XX/year>, original Amount : XXXX Joint Account that was closed and paid off this car did not belong to me .plus its showing up on my credit as late payments
Product: Debt collection

I received a bill on XX/XX/21 by PHEONIX FINANCIAL SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX for the amount of {$3400.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXXXXXX XXXX but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX  for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

& 3. ) Cease any credit bureau reporting until the debt has been validated by me.
Product: Checking or savings account

Date of the transaction : X/XX/2017 Amount : {$1800.00} Apparently I was charged for merchandise that were sent to a different residential address. I have spoken to the merchant and was told they made a mistake and advised me to dispute the charge with the bank due to them having trouble with some error. I gave many documents to support what happened as well as where the merchandise went to. I gave everything that the Chase Claim department would need to approve the claim. A month or two later they noticed me that the merchant gave valid information to state that the charge was correct. Then, I appealed the case stating that 's not possible, as well as giving more documents to support the fraudulent charge. However, the bank denied the appeal a week later and I 'm out {$1800.00} now ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Amsher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Follow-up on Request for Validation of Debt ( Account Number : XXXX ) Dear Amsher Collection Service, I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/year>, Complaint XXXX in which I formally requested validation of the debt associated with account number XXXX. 

As of today, I have not received the requested documentation or any communication regarding my request. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide validation of the debt within 30 days of my initial request. It has now been 3 days since my initial letter, and I am concerned about the lackadaisical response.

To reiterate, I requested the following information : 1. Verification of the debt, including a detailed statement outlining the total amount owed.

2. Original creditor information, including the name and address of XXXX. 

3. A complete payment history for the account.

4. Any legal documentation that authorizes your agency to collect this debt.

5. Proof of ownership of the debt, including a copy of the original agreement with T-Mobile. I understand that processing these requests may take time ; however, I believe that clear communication is essential in resolving this matter.

I kindly ask that you provide a status update regarding my request and an estimated timeline for when I can expect to receive the necessary documentation.

Please remember that until this matter is resolved and I receive the requested verification, I will not be making any payments related to this account.

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

They also violated my right under 15 U.S.C 1681 Section 604 a Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified that consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX  court as the furnisher that's forgery and misleading when the courts don't report this type of account
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my XXXX and Transunion reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of Inquires, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for XXXX, Transunion and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a charge off on my file to transunion, XXXX and XXXX. 

On the account, the date of last payment is reporting XX/XX/XXXX for Tranunion and XXXX and XX/XX/XXXX for XXXX this is an inconsistency, inaccuracy on my credit profile. Because I am entitled to maximum possible accuracy I would like this account verified and either properly corrected or promptly deleted per Fcra 15 u.s.c 1681i Additionally, promptly notify the data furnisher within XXXX  days of receiving this dispute
Product: Mortgage

Last May, my wife and I, like many Americans, found our credit card debt had grown to an alarming amount. We own a property in the XXXX area, and we looked around for a way to tap into the equity, and contacted a few companies ( XXXXXXXX XXXX XXXX, but found the qualification process very tedious, and not very straightforward ( submitting the same documants over and over, etc ). I am XXXX, on a fixed income, by the way. So my XXXX XXXX  contacted a local broker at Family Mortgage ( NMLS # XXXX ) here in XXXX XXXX XXXX where we moved in XXXX of XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. The brokers ' contact is XXXX XXXX, NMLS XXXX, ( XXXX ) XXXX, XXXX. She was able to create the refi, isuing a Business Purpose Closing Disclosure on XX/XX/XXXX, with a closing date of XX/XX/XXXX, and disbursement date of XX/XX/XXXX. The loan amount was {$400000.00}, loan ID # XXXX. The Closing Disclosure indicated this loan amount, along with an interest rate of 8.75 %, and projected payment calculations of {$3500.00}, estimating taxes and insurance to be XXXX  XXXX, and closing costs of XXXX  XXXX weeks later, we got a letter from Amwest Funding, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca., XXXX, congratulating us on our new mortgage. The new mortgage amount : {$430000.00} New monthly payment : {$4300.00} New interest rate : 9 %. I was traveling at the time, so my wife was helping this process along. My question is, how did the monthly payment go from {$3500.00} ( affordable, just ) to {$4300.00} ( even if they gave us a little more in cash )? And now, despite the taxes AND insurance going down, the current monthly payment is {$4500.00}! We are struggling to make this payment, and I don't understand how it could go up so much in XXXX weeks time!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Experian credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Experian credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts. 
Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages. 

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Experian to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments. 

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws. 

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust Experian will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting and Request for Investigation Dear CFPB, I am writing to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Equifax, and XXXX ( collectively, the " Credit Bureaus '' ) regarding inaccurate information on my credit reports. Despite multiple disputes and evidence provided, the Credit Bureaus have failed to correct the errors. 

Account Information : XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute History : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Evidence Submitted : - Letters to each Credit Bureau - Records showing equipment returns on XX/XX/XXXX - Email from XXXX XXXX dated XX/XX/XXXX - Recordings from XXXX stating the balance of {$2200.00} includes equipment charges totaling {$820.00} Facts : 1. The Credit Bureaus have reported an incorrect balance for the past 5 years.

2. I have repeatedly disputed this error, providing evidence to support my claims.

3. The Credit Bureaus have ignored my disputes, failing to investigate and correct the errors. 

Impact : - Inaccurate information has harmed my credit scores with all three Credit Bureaus. 

Request : 1. Immediate deletion of Account from my credit reports.

2. Investigation into the Credit Bureaus ' handling of my disputes.

Notice : If I do not receive a satisfactory response within 15 days, I will pursue legal action to protect my rights under the FCRA. 

I request your assistance in resolving this matter and ensuring the Credit Bureaus comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Attachments : - Copies of dispute letters - Evidence documents ( records, email, recordings ) - Proof of mailing ( certified mail receipts ) After 15 days, if unsatisfied, consider consulting with an attorney specializing in consumer credit law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted XXXX XXXX XXXX. I made a payment in an agreement to clear the account. They advised me that once a payment was made that they would request for the tradeline to be removed from my credit report. It has been almost 60 days and they have not done so. I would like to know that the payment was not returned, because the bureaus updated trade line as paid