23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to the fair credit reporting act FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. I am a victim of identity fraud. Also keep in mind you are required to delete this no later then 4 days after you receive this dispute from me.. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I have late payments for an account that was closed in XXXX of XXXX, and yet you have been reporting this account late XX/XX/XXXX until XX/XX/XXXX. American Express has also sold this debt to a 3rd party collection agency and has tried to collect the debt from me in a settlement via email. This is against the law! 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

The following account is CLOSED, not LATE and currently is being handled by a 3rd party collection agency as well and needs to be removed for multiple violations of my consumer rights : AMERICAN EXPRESS ACCT NUMBER - XXXX Please investigate and provide proof with statements showing that these payments were in fact late as you are reporting, the account was NOT closed as you are stating and that a 3rd party agency has not been assigned to collect debt from me. 

If you are unable to prove any of this, I demand that this account be removed, I also demand monetary compensation for defamation of character as I have asked you to investigate this account previously with no results. YOU ARE IN VIOLATION of the FCRA 15 USC 1681 ( E ) ( b ), I am entitled to {$1000.00} per violation and will be sure to collect. This complaint has been CCD to the CFPB.
Product: Debt collection

there are several addresses listed on my credit report that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXXXXXX, i never filed for bankruptcy, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/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 XXXXXXXX
Product: Credit reporting

This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Equifax was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Product: Vehicle loan or lease

I have to check my records for specific dates, but they should have all phone conversations recorded. I was unaware PNC Bank would operate like this. 

In the middle of the year XXXX I was getting ready to pay off my car loan. I called in to make sure that was ok and that my contact and mailing address were up to date. I did this regardless that I was already getting mailing from PNC bank at my current address - including the loan payment slips. 

When I did not receive the title in XXXX I began making calls. 

First call I was told it was not mailed yet and my address was up to date. 
Second call I was told it was mailed to an old address. I demanded a lien release letter. I did not receive that. 
Third call I was told I should have received the letter and they would resend again. 
Fourth call I escalated the situation by mentioning the word " legal '' as I found out online it would command some action by their team. They finally mailed me the lien release letter but expect me to take the time and money to go get a replacement title. 

I have been to the DMV twice with long wait times and had to leave after wasting over an hour each time because my work and job is very demanding. I have no choice but to plead with the CFPB to assist me with this. After they collected all their interest, they decide they do not have do do anything. I am facing many hardships trying to get this title to sell the car.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Hello, I am having issues with a collection agency called Southwest Credit Systems ( SCS ) based out of XXXX, TX. 

In XX/XX/XXXX, I filed a complaint with the XXXX XXXX  Case # XXXX, because based on the dates this debt was first reported XX/XX/XXXX they reported me to the credit bureaus first, then based on the date on the collection letter XX/XX/XXXX notified me afterwards. 

 ( see attachment ) I disputed it and requested validation of this debt on XX/XX/XXXX ( see attachment ) and after filing the complaint with the XXXX  on XX/XX/XXXX SCS promptly deleted their collection from my report. 

Fast forward two years, this past XXXX, SCS once again reported me to the credit bureaus, so I filed another complaint with the XXXX  on XX/XX/XXXXXXXX XXXX Case # XXXX, ( see attachment ) only this time they continued to refuse to validate the debt and delete the collection on my credit report. 

FYI, both the collector and their client were unable to provide any proof of their allegations against me. 

I also filed a complaint with the Texas Attorney General, complaint # XXXX and I am currently waiting for a response from them. 

I even spoke to several attorneys who say I have a case and that I can sue them, but they want between {$2500.00} and {$3000.00} in retainer fees. 

Also, based on hundreds of complaints this company has a habit of operating in this manner and of brushing off requests for validation of the debt by ordering customers to file an affidavit of fraud, which is not only inconvenience, but a laborious and time consuming hassle and something I am not obligated to do, because ultimately the burden of proof lies on them, not I. 

What's more, I am entitled to be notified of this debt in writing and to have an opportunity to dispute and request validation of this debt within a 30 day period. 

I was not afforded these rights, because they simply reported a debt that they have been unable to verify and that had already been deleted two years ago again. 

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

I have been paying LGM Financial since XX/XX/2021 I have made 26 payments of XXXX Dollars to their company which I was told would be reported to my credit... Which they also told me they were reporting these payments at the end of each month to the XXXX I contacted XXXX serval times to defuse the issue but they do not see LGM Financial report as they claim they made to them so each of my 26 never late payments has not been applied to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 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 card or prepaid card

For three months we have received fraudulent charges to our Citi Diamond Preferred Mastercard. At first they reversed the fraud charges and reissued our cards. Then 2 months later we are still receiving fraudulent charges that they say are coming from the original card. We asked them to reverse the latest charge and close the account, but we just received an email stating they reversed the charges and are sending us new cards. I have called at least 5 times about all of this. It is next to impossible to get a person and when you do they don't seem to know what to do. I've asked for a supervisor and they hang up on me. I don't want this card, I do not want to deal with this company, and I am at the end of my patience We don't even use this card. I think it's astonishing that you can't get a customer service person that has the authority to take care of this.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

It won't let me save any of my credit cards and it won't let me transfer any money or withdraw any money and I'm already picked them up identity theft so and other people are hooked up to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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

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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX and 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Good Morning, I have been the victim of Fraud by a Scammer with whom I thought was " Pastor XXXX XXXX '' on XXXX. I discussed personal things about my life. 

The scammer said they were going to award me with a Grant ; even though they were not concentrating the awards in my  area. 

Long story short. I paid a Registration Fee of {$100.00} under the assumption that I would receive the Grant. After they received the money ; I was sent an email response that I needed to pay {$400.00} ; then I realized this was a Scam. 

I am angry that I was taken advantage of. I have screenshots of the XXXX conversations, the email for the Registration Fee, and Paypal email refusing my Claim.

Paypal does not have an option to file a Fraud Claim or a  Claim for being Scammed. So I choose an option & within their comments section, I outlined the Fraud and advised that I proof. None the less ; Paypal never asked me to provide proof.
Product: Credit card

I ordered a bag of smoothie mix from a company, received it, this went fine. A month later they sent me another that I had not ordered. I contacted them and simply asked that they discontinue sending me more. They agreed. A month later they sent me a third bag. I told them that I would not pay for this, so they requested that I return the product. I sent it back to them and they did not refund my money. I contacted them asking about it but did not receive a reply. I then submitted a dispute with XXXX including the return shipping information and XXXX rejected my dispute. a ) I was repeatedly wrongly charged, b ) the seller has taken both the money AND the product.
Product: Credit card or prepaid card

Wells Fargo contacted me about fraudulent charges on my card. They then cancelled my card and told me they would send a new one. They have not sent a new one and I can not access my account online. I waited for my card as instructed for approximately a month before they called and said I was late on my payment. I paid and complained that they had not sent a card and had not given me online access. They also filed a credit report and hurt my credit and charged a late fee. I paid the owed payments including the late fee even though I felt it was unfair. I have been unable to pay because they changed my account number and have not sent me any information on my amended account. It has been a month or so since and they have still not sent a card and have not given me any online access. They have stopped being helpful on the phone and they are now hurting my credit more.
Product: Credit card or prepaid card

I used my NetSpend prepaid cards in XXXX platform only later to be advised that all bookings were illegal transient use unsafe and other. Requested NetSpend to issue charge back after all the work I did to assist they in filing 2 claims under # XXXX and # XXXX they issued credits but we're not paying all the disputed charges in my claims that I submitted. 
NetSpend closed each account I had .then blocked me access via calling them having hard time to collect the remaining disputed charges, NetSpend sided XXXX validated them, they couldn't each booking was short term illegal contrary to NY multiple dwelling law in fact NetSpend wouldn't send me any rebuttal by XXXX I had to beg them for it yet what they provide was baseless. NetSpend then told me in on my in and won't go after XXXX too resolve it Ms XXXX from NetSpend said that. I went back to them via e-mails and calls telling them it's part if my claims you can't. You also violated my rights under fair credit act. They distressed me so much. 
I had two charges XXXXand XXXXthst are pending they refuse to restore the charge back to me knowing they are illegal and city if XXXX XXXX issued violations illegal transient use, fire hazards ECT.  You can't allow them to go unpunished they said In not entitled to use their services anymore either all cause I file a claim. They are unfair violated my consumer rights under fair credit act ECT. 

XXXX  platform is illegal entity charging excessive fees for unsafe illegal transient use. NY building Dept in fact issued violations for illegal transient use of apt and other fire safety issues ECT. Contrary to law here. 
NetSpend contradicts itself if you restored a charged back on a few you can't ignore the others they are all illegal bookings. NetSpend is involved deceptive practices they try to not send me other fees till I caught them. 

They owe a duty to continue the claims that were unaddressed. 
XXXX can't validate what's illegal it's proof they admit they allow these shirt stays unsafe fire hazards conditions to the public and NetSpend is condoning it.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> fraudulent inquiry showed up on my credit report XXXX XXXX from the following companies, XXXX XXXX and NEU MONEY, I I need these calls to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. Experian and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.