23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit file on XX/XX/23, I identified a discrepancy with account listed under Designed Receivable Solutions. I requested validation on XX/XX/23 as this was not an account that I recognized. They responded with a copy of the debt that I don't recognize without any validation. I reviewed my credit file again on XX/XX/23 and this account continues to reflect on my credit report. On XX/XX/23, I sent out a 2nd validation request letter. I have not received any response and as of today XX/XX/23, this account is still being reflected on my credit report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX XXXX XXXXXXXX up to XX/XX/XXXX, Multiple unauthorized transaction occurred on my capital one account, Card number of XXXX. 
All transactions on the account were not authorized and is requested to be removed immediately. 
Case number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several years i have spent over 400 hours, sent dozens of letters and made dozens of phone calls to this Credit Reporting Agency regarding fraudulent, inaccurate information, other illegal information added to my report, a willful lack of investigation with regards to my disputes, not honoring my request/demand to Opt-Out from their reporting, a refusal to take all inaccurate, fraudulent and illegal information off my report. 

All this in violation of 15 USC 1681B ( A ) ( 2 ), 15 USC 1681A ( 2 ) ( A ) ( i ) & 15 USC 1681A ( 2 ) ( B ).
Product: Debt collection

According 15 U.S.C 1692c c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

To provide further context, I have diligently managed my accounts and have always ensured payments were made on time. However, the credit bureaus have inaccurately reported late payments XXXX, which have negatively impacted my credit score. I have contacted the credit bureaus directly on multiple occasions to dispute these errors, but they have not taken corrective action, and the incorrect information remains on my report. 

I am requesting that the Consumer Financial Protection Bureau assist me in addressing this issue and ensure that the credit bureaus are held accountable for correcting the inaccuracies on my credit file. As a consumer, I should not be penalized for errors that are beyond my control. I have attached supporting documentation, including payment records and correspondence with the credit bureaus, to further substantiate my claim. 
I kindly ask that the CFPB intervene in this matter to ensure the prompt removal of these erroneous late payment entries and that the credit bureaus are compliant with the Fair Credit Reporting Act ( FCRA ) in rectifying these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

XXXX XXXX XXXX BANK XX/XX/XXXX XXXX & XXXX BANK XX/XX/XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I reached out to Mr Cooper Mortgage to have my XXXX Credit report updated because I'm receiving denials because of their non-reporting. It has resulted in me having a false low credit report. My payments haven't been reported since XX/XX/2022.
Product: Credit card

Credit card information was stolen, a fraudulent card was issued and subsequently used to make multiple fraudulent XXXX XXXX purchases. After reporting the fraud to Bank of America credit card co. I was told that the merchant had to be contacted and the original card number needed to be deleted from XXXX database. The BOA rep was going to connect to XXXX with me on the phone and dropped the call, no return call even though they had my contact info. So I called again, this time the phone agent told me their call volume was too high and she would not be able to make the outbound call and I would have to make the call myself even though she knew that she needed to be on the phone with XXXX. Also shared that it did n't matter how many times BOA reissued a new card number, because red box subscribes to " XXXX Account Updater '' software that fraudulent transactions would be automatically be fowarded to any new accounts on file. 
These are terrible processes to put a victim of fraud through. Apparently BOA and XXXX XXXX do not have processes in place to stop the fraud even after it 's been officially reported.
Product: Credit reporting or other personal consumer reports

I used the Discover app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for Discover to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with Discover, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing Discover would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is XXXX.
Product: Checking or savings account

Square is malicious, abusing its terms of service, and arbitrarily withholding customer funds without releasing them. And never respond to customer emails.
Product: Checking or savings account

I am writing to file a formal complaint against PNC Bank regarding a concerning issue related to the protection of my funds and their refusal to refund {$480.00}. I believe this matter requires a thorough investigation to ensure consumer rights are upheld. 

Despite the expectation that PNC Bank would safeguard my money, there has been a notable lapse in their duty to provide adequate protection. I have experienced financial loss amounting to {$480.00}, and despite asserting their moral obligation to protect my funds, the bank has failed to take appropriate action. 

Moreover, the bank 's refusal to refund the aforementioned amount raises serious concerns about their commitment to resolving customer disputes in good faith. I am left without the resolution that one would reasonably expect from a financial institution, and this lack of cooperation has only added to my frustration and financial hardship.
Product: Debt collection

Due to the Coronavirus, I have not been able to stay on top of all my bills. I make sure that my mortgage and utilities are paid, that is a given. But for a company called One-Main Financial has been harassing me on my debt which I have been paying at a very high interest. I agreed to pay 70 % of the payment last month and then this month they wanted the whole thing, which I was unable to do. I gave them again 70 % of the payment and they will not quit calling me to question on why I am not paying. What I get is " You said you would pay the full amount on the XXXX of this month, last month '' I said yes, until the virus caused a shut down on everyone and now we are all unemployed '' She went on to say " You said you would pay on the XXXX!!! '' I told her that I couldn't and would try on the XXXX. I also told her how rude she was being and I was tired of her calling and harassing me during this time. Today is the XXXX and I did not have enough for the full payment of {$540.00}. But I paid {$270.00} again. They are now blowing up my phone again. I am at least making an attempt and since they are not making their interest that is 25 % I assume this is why they are freaking out and harassing me. 

What rights do we have at this time during this epidemic? I live in Washington State. Not sure if laws are different regarding creditors collecting per state. I would have this conversation with One-main myself, but the female I seem to always gets is extremely rude and speaks to me as if trying to intimidate and or try and scare me to pay.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I do not reconize these items on my credit report XXXX. Personal credit card or credit line at XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXXA personal loan at XXXX, opened XX/XX/XXXX XXXX. A personal loan at XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14000.00} XXXX BANK XXXX Balance : {$35000.00} XXXX XXXX BANK XXXX XXXX XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I learned from the Equifax website that my personal information which includes social security number, date of birth, address, credit info and possibly drivers license, was compromised. 

I was instructed to log back on the website XX/XX/XXXX to enroll in their free credit monitoring service. Really?!? 
This is absolutely unacceptable! 
I in no way trust this company and the fact that 3 Equifax executives sold stock with this knowledge prior to release to the public is illegal!!! 

Equifax should be financially held responsible for this breach! 
The fact that sensitive personal information was obtained by hackers is beyond unacceptable!!! '
Product: Debt collection

The debt collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the XXXX XXXX XXXX XXXX day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe XXXX XXXX XXXX XXXX ( or any entity acting on behalf of XXXX XXXX XXXX XXXX ) a debt. Consumer disputes owing XXXX XXXX XXXX XXXX a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay XXXX XXXX XXXX XXXX anything. There is no payment history, nor products, or services that have been rendered to XXXX XXXX XXXX XXXX, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if XXXX XXXX XXXX XXXX chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with XXXX XXXX XXXX XXXX. Consumer of this complaint will not engage in contact with XXXX XXXX XXXX XXXX based on violations of the FDCPA, false misleading contact by XXXX XXXX XXXX XXXX. If XXXX makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against XXXX XXXX XXXX XXXX and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!
Product: Mortgage

I started the refinancing process in XX/XX/2020 and I've been put off and pushed back so many times I've had to always reach out to the company to find out where my loan is nobody 's never made contact with me.
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 USC 1681. 

Account name : XXXX XXXX 1. XXXX XXXX XXXX, Reference # XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$470.00} 2. XXXX XXXX XXXX, Account number # XXXX Original creditor : XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX, XXXX {$2200.00} Reference # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX {$780.00} 5. XXXX  XXXX Acct # XXXX {$1100.00} 6. XXXX XXXX XXXX  XXXX Acct # {$2500.00} 7. XXXX XXXX XXXX  XXXX Acct # XXXX {$1000.00} XXXX. XXXX XXXX Acct # XXXX {$1800.00} 9. XXXX XXXX Acct XXXX XXXX {$350.00} 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 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: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, TRANSUNION AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Hi, I wrote a verification letter to all three credit bureaus. both XXXX and XXXX responded and deleted the unverified records. Transunion did not respond. I sent my verification letter on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not receive a response or notice to investigate the letter. I reach out to the creditor of the accounts that I requested Transunion to verify and the creditor couldn't verify which means Transunion should delete the account just like XXXX and XXXX. Transunion is breaking the fair credit reporting act and it's affecting my personal life
Product: Mortgage

i applied for a loan, was denied after paying for an appraisal, was told i could deffinately qualify for a different type of loan, but would have to pay again for an appraisal because of the different kind of loan, pd {$500.00}, was denied so i requested return of funds, was never contacted after repeated calls even to a supervisor, can you please help me with this matter that has gone on since XXXX of XXXX thank you in advance sincerely, XXXX XXXX
Product: Debt collection

Carmax did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

There were 2 hard inquiries posted to my equifax credit report XX/XX/2024 that I did not initiate. Someone fraudulently attempted to open credit cards under my name from XXXX XXXX and XXXX XXXX. XX/XX/2024 I contacted XXXX XXXX on the phone, and they stated they would remove my credit application and contact crediting agencies. I contacted XXXX XXXX and they stated they had no record ( the card may have been denied ). I initiated a dispute on both hard inquiries with equifax, and within 24 hours with no contact from equifax for further information, they deemed the inquiries as " accurate, '' and intend to leave the hard inquiries on my credit report, I spite of them being fraudulent.
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 : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every they take XXXX to XXXX points away from my account for balance decrease
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.