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

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reason : 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. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : 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. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : 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. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : 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. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : 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. 

Inquiries : XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had two collection accounts with Portfolio Recovery Associates ( PRA ) - one for {$1500.00} and another for {$230.00}. Not even sure one of them is valid - beyond the point. At this moment in time, the collections are paid - and the predatory calling is stopped. 
I don't question the validity of the lower debt ( {$230.00} ), however, PRA, had broken several laws trying to collect money. 

PRA has been known to be incorrect on consumers balances, interest rates, and payment due dates in attempting to collect debts. PRA purchases large portfolios of consumer debt with balances that sellers claimed were " approximate '' or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. PRA continues purchasing these debts and collection on it without first conducting any investigation to determine whether the debts were accurate and enforceable. 

When trying to litigate the problems, their practices are not only sketchy but illegal. Personally, they pressured me into making full payments using misrepresentations. I can even remember at a point when the operator told me I would have these lines removed from my credit for paying in full. 

Finally, PRA violated the Telephone Consumer Protection Act while attempting to collect these debts, by their predatory lending practices. I would be more than willing to dig up inbound calls from my phone provider providing you can identify all their garbage numbers calling every 30 minutes. Not only did they call my personal cellphone, they called my PARENTS EVERY 30 MINUTES. ( see XXXX XXXX et al. v. Portfolio Recovery Associates )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party disputing this issue .I am being taken advantage of by XXXX, XXXX and Experian. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home. I mailed this company a letter asking for them to remove the late payment and I received a letter back stating we are unable to make any adjustments to your payment history as requested In accordance with the fair credit Reporting act XXXX Account # 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.
Product: Debt collection

XXXX Consumer Financial Protection Bureau, I was informed by Cheeky XXXX that if I did not find a job within 12 months, they would refund the money I paid. This was clearly stated in their Welcome Letter, which I am attaching as the XXXX refund contract for not obtaining any job through XXXX XXXX. I have attached the evidence for your perusal. 

Additionally, XXXX  XXXX sent me an email stating that I might need to make full payment to receive a complete refund. This requirement was not displayed anywhere in their initial communications. As I am no longer using any of their services, I am requesting a complete refund. 

Furthermore, there is a media article that criticizes the program, highlighting that it does not effectively help students secure jobs. I have attached the evidence for your perusal. 

I have also reached out to Affirm, the lending company for XXXX  XXXX, but they would not refund the money because it has been more than 12 months since I took the loan. I don't use XXXX XXXX 's service anymore, they did not provide the job they promised, and they are charging me for a service I have not used. They are going against their XXXX full refund policy if they could not find me a job. 

I hope that the evidence I have provided will strengthen my case, and I request your assistance in facilitating the refund of the amount I paid to XXXX  XXXX as soon as possible. 

Thank you for your help. 

Best regards,
Product: Money transfer, virtual currency, or money service

Hi, On XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX did a payment of XXXX $ to my local bank account via hyperwallet based on the assets sold on there marketplace. 

The transaction made to my account ( ending with XXXX ) which was closed over an year ago and I was first time receiving payment from hyperwallet. 

I immediately contacted the XXXX support center, and they informed me that : " If the payment was made to a closed account, the payment will be verified within XXXX business days. The receivers bank will reverse the payment, and then it will be sent again to your most recently updated bank account. 

However, please also contact your bank to check if they are holding the payment. '' The next day, I went to my bank and asked regarding such remittance but they refused and told me that the payment would be reversed automatically. 
I contacted and mailed them that there's no such payment received by bank as there's no account. 

The hyperwallet mailed me back XXXX XXXX telling " Bank transfers take 10 business days to reflect on your bank account balance and transaction history. In the unlikely event that the account number was added incorrectly, the most likely scenario is your bank will reject your money and should automatically return your transfer to us ( XXXX business days from the transfer ). 

Now today it's XXXX XXXX but still there's no response from hyperwallet and the payment is neither in my local account nor in my hyperwallet.
Product: Credit reporting or other personal consumer reports

Incorrect information on my transunion report and XXXX report I need to add the XXXX on my credit reports with both companies transunion and XXXX and take the incorrect addresses on my Transunion credit report and extra names and phone numbers on my transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX.2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX - Please block and remove this account from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. This is a fraud. Please remove this account immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address
Product: Vehicle loan or lease

The company close that account saying that I old him {$10000.00} XXXX supposed to be in a cosigner on a vehicle that I never drove or had anything to do with it. Im not understanding why are all these people anything
Product: Credit card or prepaid card

I was contacted by American Express [ by email]  with an offer for a new  credit card. It was for the XXXX XXXX XXXX. -- a new card and new name. I was offered XXXX  XXXX points for signing up if you spend $XXXX in the first 3 months. I called and checked to make sure that if I spent this amount and charged it to the card I would receive the points. I applied , received the card in XXXX I   called again to check that I would receive the points  and again I was assured I would.  I spent the amount in the first 3 months as required.I did not receive the points. I called customer service and a complaint was filed. I never heard from them. I called again on XX/XX/XXXX --I care # XX/XX/XXXX -- I was assured by a rep that I would indeed receive the points as I was misled. I called today, XX/XX/XXXX to see what happened and I was told they closed the case as a XX/XX/XXXX company that I am the head of had a card in XX/XX/XXXX.  That XX/XX/XXXX received points. They told me there was nothing they would do about not honoring their offer even though I asked before using the card.   I am a XXXX XXXX  and I would have used a different card to make these charges if I was not going to receive this bonus. Also I would have not applied for it in the first place.Thank you for any help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my consumer report in its relationship between I, XXXX XXXX and you TRANSUNION and I have noticed some unauthorized inquiries. 
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

This is my six attempt to notify you that I am a victim of identity theft and Im sending a COMPLAIN to dispute certain account in my file resulting from the crime. The account XXXX XXXX Balance : {$0.00} I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This account is unknown to me. Also, the information provided on some account is DELETED from other bureaus and I have doubts about Experian Bureaus ' accuracy the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) this account must be removed.
Product: Credit card or prepaid card

This retail store Walmart merger with capital one since that time it has resulted in missing payments not credited and late payment fees added in error also, I have been sending auto payments to this company on a monthly basis from my checking account, they have more than 3 different customer service numbers call XXXX XXXX in the XXXX and XXXX XXXX I called XX/XX/1920 with no results with all the so called customer service representatives New address to send your payments to in North Carolina, they stated that they do not have any email address for customer service issues regarding billing issues, you have to send them a letter but to Utah. 

They are very XXXX  and suspicious, not to be tolerated by any means of common sense.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Reporting by Credit Reporting Agencies XXXXXXXX XXXX XXXX XXXX XXXX Account I am filing a formal complaint against Experian, XXXX, and XXXX regarding inaccurate information reported in my credit file. After reviewing my credit reports from these three credit bureaus, I discovered several discrepancies related to an account from XXXX XXXX for XXXX XXXX XXXX. Below are the details of the inaccuracies : 1. Discrepancy in Account Numbers : The account numbers reported for the XXXX XXXX  XXXX XXXX XXXX account are inconsistent across the three credit bureaus. XXXX reports a different account number than what is listed by Experian and XXXX. 
2. Discrepancy in Account Open Dates : XXXX is reporting a different account open date for this account than the dates reported by XXXX and Experian. 
XXXX. Discrepancy in Reported Late Payments : Experian shows four late payments, whereas both XXXX and XXXX are reporting five late payments for the same account. 
These inconsistencies constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ) and Public Law 90-321 ( 82 Stat. 146 ), which mandates that consumer reporting agencies must ensure maximum accuracy in credit reporting. Additionally, under 15 USC 1681n, there is a {$500.00} penalty for each violation in cases of willful noncompliance by credit reporting agencies. Each agency has an obligation to follow these laws as part of their agreements with consumers.

Furthermore, 15 USC 1681o states that any company negligent in failing to comply with the FCRA is liable for such violations. Also, 15 USC 1681s-2 specifies the duties of information furnishers to ensure that the data they report to credit agencies is accurate. This duty has clearly not been fulfilled in this case.

The Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ) also requires compliance with all U.S. laws related to consumer credit information. The errors described above violate both the FCRA and the Privacy Act of 1974.

I request that the CFPB investigate these discrepancies and take the necessary action to ensure the immediate removal of this inaccurate trade line from my credit reports with Experian, XXXX, and XXXX. Additionally, I request that the CFPB enforce the imposition of fines of at least {$500.00} USD per violation, totaling {$1500.00} USD for the three violations. I expect a timely investigation into this matter and a written response outlining the steps taken to resolve these issues. Thank you for your assistance and attention to this serious matter.
Product: Credit reporting or other personal consumer reports

The exhaustion is huge of human traffick by city state county federal gov stealing homes & all property to balance ledgers of stolen bankrupt gov budgets with XXXX XXXX XXXX XXXX. STEALING HOMES SELLING HIGH OWNER EQUITY MORTGAGES ON XXXX AS XXXXXXXX XXXX XXXX XXXX XXXX XXXX to get homeowners XXXX XXXX attacked by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All to overtake XXXX XXXX XXXX or run off the legal owners. City of XXXX XXXX of XXXX XXXX  XXXX  & held me illegally over 30 days to dishonestly claim I abandoned my property to the state XXXX XXXX etc. ( BOW ) PRESOLD ME, MY HOME, MORTGAGE ALL OF IT PRIOR TO ILLEGAL FORECLOSURE. XX/XX/year> I wanted a victims statement on TransUnion of this ongoing terror on my life & finance. It is posted & update mailed to me of changes by TransUnion. Now my true physical last prior HOMEOWNER address XXXX XXXX XXXX XXXX XXXX CA XXXX immediately prior to my current XXXX CA address is missing on my TransUnion credit report. Obviously I need my 12 year home ownership address on the main credit company used. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} DEPARTMENT OF INTERIOR XXXX Balance : {$18000.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX