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

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a dispute update letter from Equifax which stated the disputed item is not currently being reported on my credit file. It prompted me to check my credit score which is extremely low after they removed the disputed item. I filed a complaint about a business account reporting on my personal credit file. Before the inaccurate reporting, my score was XXXX and now after removing the business account my score is XXXX. When I tried to access my Equifax report they have me blocked from accessing it. My wife and I called Equifax and put through a validation of questions that were all answered accurately, they sent a link to my phone that could not be accessed. I requested to speak with a supervisor and was denied and they tried to make me upload my personal data through a link and hung up on saying they could not validate me, and I was being combative. Equifax have me block from reviewing my credit file and will not allow me to speak with a supervisor. They have removed accounts that were paid as agreed and reporting them as closed which affects my score, they have removed accounts that is current that I am an authorized user. They are trying to sabotage me. My {$15000.00} XXXX XXXX XXXX XXXX XXXXimited was dropped to {$1000.00} credit limit, my XXXX XXXX card was closed based on my credit usages. I have an excellent payment history before this I was getting preapproved offers.
Product: Debt collection

At the end of XXXX, XXXX, I was notified by XXXX XXXX XXXX XXXX Kansas XXXX ), a debt collector for XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ), regarding an account with LVNV Funding LLC, in my name, pertaining to a credit card debt for {$610.00}. The account was opened XX/XX/XXXX and charged off XX/XX/XXXX as per XXXX XXXX report. I notified XXXX that I had never opened an account with XXXX XXXX XXXX  and that the address was not mine, besides the transactions were made in the XXXX area where I have never shopped. It was evident that my identity was stolen. I never heard back from XXXX, but LVNV who bought the debt, continued to place this information on my credit. I wrote to the 3 credit bureaus many times, over the years, disputing the debt and even sent a letter from XXXX XXXX XXXX, which indicated that I did not owe them any money. It is now 7 years later and LVNV, a company that seems to be in cahoots with the credit bureaus, has not removed the debt from my credit report despite the fact that they have never sent me the signature on the original contract used in opening the account. Under federal law, an unverified account must be deleted from the Bureaus. I have filed an identity theft report with the XXXX Sheriffs Office, which I will be forwarding to the Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my credit report and noticed the company XXXX is reporting inaccurate information on my credit report. I have attached my account balance showing that I am not past due and also that XXXX is reporting conflicting information on my consumer report. 

Consumer reporting agencies have a vital role and have a responsibility to report to the best of their ability with Maximum accuracy. I am not late on this account, was not late the previous months on this account. Creditor : XXXX XXXX # XXXX. Please investigate and show proof that I was late. If proof can not be furnished I demand the account be deleted totally or ALL late payments be removed. Furthermore please discontinue reporting that a balance is owed to XXXX. There is no balance owed. 

Thank you
Product: Checking or savings account

I transferred XXXX dollars to cover my account per my email confirmation from XXXX XXXX the funds were transferred at XXXXXXXX XXXX on XX/XX/XXXX it took first bank until XXXX XXXX which is after there cut off time to post the funds so they charged me XXXX XXXX dollars fees I have had several conversations with reps and they immediately make you feel like its your fault
Product: Debt collection

NOTICE OF VIOLATION OF FDCPA & NOTICE TO IMMEDIATELY CEASE & DESIST ILLEGAL FORECLOSURE ACTIVITY. I will be more than happy to settle any financial obligation that might be lawfully owed to the right party in interest once XXXX provides me with sufficient proof of claim as a sworn statement under penalty and perjury. 

Under a sworn statement, on what basis and authority XXXX is conducting a non-judicial foreclosure on my home with a sale date of XXXX XXXX XXXX when ( A ) the outstanding balance on the loan was settled in XXXX XXXX  and the attached credit bureau reports from the XXXX main agencies, XXXX, XXXX and XXXX - ALL 3 indicate that ( i ) the loan has been paid as agreed ( XXXX ) Monthly payment is {$0.00} ( iii ) XXXX is showing the account is closed? The reports DO NOT show the loan in default so on what basis XXXX is foreclosing? PLEASE PROVIDE ACCOUNTING REPORT PER GAAP FAS 140 TO PROVE THAT THE BENEFICIARY YOU ARE REPRESENTING HAS A VALID CLAIM OTHERWISE, THIS IS JUST HEARSAY AND NOTICE IS HEREBY GIVEN THAT NDSC WILL BE HELD LIABLE FOR THE HARM CAUSED FOR CONDUCTING A FORECLOSURE WHEN THE NOTE IS NOT IN DEFAULT AND HAS BEEN PAID AS AGREED ACCORDING TO THE REPORTING BY CENLAR TO THE CREDIT AGENCIES. 

( B ) Evidence shows that XXXX XXXX is NOT the true beneficiary or party in interest XXXX is foreclosing on behalf as ( i ) There is NO assignment of Deed of Trust to XXXX XXXX as the beneficiary recorded in XXXX XXXX XXXX XXXX 's office proving that XXXX XXXX is NOT THE actual party in interest and ( ii ) Further, the attached CUSIP report shows that the note with XXXX ( XXXX ) XXXX, Loan # XXXX is securitized and in a XXXX XXXX XXXX. BEFORE PROCEEDING WITH ANY FORECLOSURE, PLEASE PROVIDE PROOF THAT XXXX IS THE RIGHTFUL PARTY IN INTEREST AS THE EVIDENCE I AM PRESENTING HERE DOES NOT SUPPORT YOUR CLAIM. 

( C ) XXXX  DOES NOT HAVE ANY TERRITORIAL JURISDICTION TO CONDUCT ANY FORECLOSURE ACTIVITY AND HAS FAILED TO PROVIDE ANY PROOF WHICH MEANS THAT XXXX DOES NOT HAVE ANY TERRITORIAL JURISDICTION AND IS ENGAGING IN CRIMINAL ACTIVITIES AND WILL BE REPORTED. 

( D ) NOTICE IS HEREBY GIVEN TO NDSC TO CEASE AND DESIST IMMEDIATELY THIS ILLEGAL AND FRAUDULENT FORECLOSING SALE CAUSING ME IRREPARABLE HARM AND NOTICE IS HEREBY GIVEN THAT CHARGES WILL BE BROUGHT AGAINST ALL PARTIES INVOLVED IN ANY XXXX ACTIVITIES- incl. XXXX, XXXX XXXX, XXXX XXXX FOR THE HARM AND INJURY CAUSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm lost for words and don't know what else to do but file a federal law suit against Experian credit bureau. I have supplied Experian with my police report and a identity theft packet along with my notarized statement and the following 2 fraudulent accounts remain on my credit after 6 months. 

Experian Report Number XXXX 1.XXXX XXXXXXXX Account Number XXXX 2.XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a money transfer to a bank account in XXXX, using Western Union online services. On XX/XX/XXXX, I received a request for additional information which I provided on XX/XX/XXXX. On XX/XX/XXXX, I spoke to customer service representative at Western Union and have called several times since. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. I requested cancellation of the transaction and was told it can't be canceled because the money is with Western Union 's XXXX bank XXXX XXXX, which has placed a hold on money due to investigation of the transaction. I was told theyhave XXXX days in which to do something with this money. It is not legal for Western Union or their partner bank to hold money with no accountability. I XXXX that I have lost my money. At the very least, this activity is a scam by Western Union and partner bank to use my money, interest free for at least XXXX days. i want my money back. Western Union is telling me they can do nothing. This is not true. They can return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX about my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Trustmark National Bank or XXXX  is reporting the " Date Maj. Del 1st Rptd '' as XX/XX/XXXX and the " Date Closed '' field is not reported which is not correct.

On page 2 of the TRUSTEE DEED, on XXXX XXXX TrustMark National Bank bidded {$85000.00}. The TRUSTEE XXXX XXXX XXXX, signed the trustee deed. Page 2 of the Trustee Deed says in quote " The property was struck off to TRUSTMARK NATIONAL BANK for said amount, and said bidder was declared the owner thereof. '' TRUSTMARK NATIONAL BANK XXXX XXXX  need to correct the " Date Maj Del 1st Rptd '' field to XXXX of XXXX and correct the " Date Closed '' field. 

I've have attached Page 2 of the TRUSTEE DEED. Also is attached is the " Dispute Results '' from the XX/XX/XXXX dispute. See page 4 of the Dispute Results which shows the " Date Closed '' field is blank and the " Date Maj Del 1st Rptd '' field is XX/XX/XXXX. 

The " Date of 1st Delinquency '' is XX/XX/XXXX, The " Date of Last Payment '' field is XX/XX/XXXX which are correct. The " Date Opened '' is XX/XX/XXXX which is correct. 

On my most recent dispute, Trustmark updated the following sections on my XXXX credit report : ADDITIONAL INFORMATION, BALANCE, PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT and ADDITIONAL INFORMATION : The ADDITIONAL INFORMATION SECTIONS has 180 days or more past due. I can not be 180 days or more past due if TRUSTMARK purchased the foreclosed property on XX/XX/XXXX. 

Foreclosure Real Estate Mortgage 180 Days or More Past Due
Product: Bank account or service

About two years ago I received a letter from commerce bank saying that I would get a refund from them due to a class action lawsuit that was filed against them. Commerce bank had abusive overdraft practices where they would post the largest transactions to the smallest in order to create a greater number of overdraft fees. I was under the assumption when I received the letter that I would be receiving a check from the class action lawsuit. I have not received any compensation for this. I even sent commerce bank an email requesting information on when I would be able to expect to receive compensation from these unfair and abusive acts by commerce bank. I received a reply from them and they only said to be patient and eventually I would receive compensation. That has been several months now and still have heard nothing about it. I just want to be able to get what is owed to me, and to be able to have someone from commerce bank actually talk to me, rather than just send me an email instructing me to wait patiently with XXXX follow up. I want an explanation to whether I am supposed to get compensation and why I have not received it already.
Product: Checking or savings account

My identity was stolen a few years ago and someone opened a bank account at M & T using my last name before I was married. I spoke with M & T and they said it was already flagged as fraud. I would like to freeze my account again.
Product: Credit card

I redeemed my credit card reward balance for a XXXX e-gift card within the Discover App. I was issued a gift card for {$100.00} value on XXXX. I did not use the card for a while and when I used it after 5-6 months I was told that the e-gift card was invalid on the XXXX website. After back and forth with both Discover Credit Card and XXXX, nobody is honoring the gift card. XXXX says this card is invalid and I should go back to the card issuer but Discover says that they can't issue a new gift card as it is system-generated and can not be invalid. FYI - both Discover and XXXX have confirmed that all gift cards have at least 2 years of validity. 

Credit card number - XXXX Gift card order number - XXXX Email reply from XXXX - We appreciate the screenshot from Discover however it appears that they issued an invalid gift card to you. Due to Discover who issued the invalid card, they will need to replace the card. If the card was purchased through XXXX and there was an issue with the gift card, the card would be replaced through XXXX. We do apologize for any inconvenience.
Product: Credit reporting 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. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # 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 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: Checking or savings account

I called to dispute money that was taken out of my account by Bank of America on approx. XX/XX/XXXX for XXXX and XXXX case number : XXXX case number : XXXX I opened this account for child support. Bank of America took money out of my child support money that I use for my child. SMH ....
Product: Debt collection

The following account was opened in my name without my consent. Therefore, I am disputing the validity of this debt and requesting for the creditor to remove this fraudulent account immediately from my XXXX  credit report. Thanks. 

American Express
Product: Student loan

I took out loans through Sallie Mae and they were to be deferred payment so I did not have to pay on them while I was in school. Responsibly, I started making small payments each month to get a little ahead and then payments started being required of me and they were more expensive. When I asked about it they told me it was just how the loan was set up. Even though it says the repayment date is XX/XX/2019, I am still having to pay on it. This is not how my loan was to start with and I should not be required to pay back money now.
Product: Debt collection

Capital One Is in vio

lation of my Cease and Desist. I do not have any agreements with Capital One that allow the collection of any debt from me. They have been on reporting negative information on my consumer file. that is still communication any medium. i asked Capital one to correct the billing info and to comply with the Cease and desist. What do i owe? how much is
the alleged debt? who is the alleged debt owed to? who is the alleged debt to be payed to? so that i can Pay any alleged debt that i owe. Please send me documentary evidence. i will pay any alleged debt that is lawfully owed by me.
Product: Credit reporting or other personal consumer reports

{ XXXX } { XXXX } { XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL } { XX/XX/XXXX } { XXXX } { XX/XX/XXXX } ATTN Risk Management XXXX This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by XXXX, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S.Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection XXXX ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under XXXX U.S.Code XXXX.
Product: Credit reporting or other personal consumer reports

I consistently pay on time, so its unclear why this company reports late payments. As per USC 1666b, errors should be corrected, and my account should show payments as on time.
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX XXXX XXXX Account XXXX. XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account listed on my credit report. Despite my previous attempts to address this matter, the information continues to be reported inaccurately and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681. 

The following issues must be resolved immediately : XXXX. Incorrect Balance Reporting : The account is listed as a charge-off but is still reflecting a balance. This is inaccurate, as charge-off accounts are required to be written off by the creditor as uncollectible. Additionally, charge-offs should be accompanied by the issuance of a 1099-C form if applicable, indicating debt cancellation. Reporting both a balance and a charge-off is misleading and a direct violation of the FCRA. 
XXXX. Verification Process Not Followed : In my previous dispute, I requested a thorough investigation into the accuracy of this account. However, the response I received stated that the information was verified. This response fails to address my specific concerns or provide the evidence necessary to substantiate the validity of the reporting. This does not meet the requirements for proper dispute resolution under the FCRA. 

Given the continued inaccuracies, I am demanding the immediate removal of this account from my credit report. Under FCRA Section 1681i ( a ), I am entitled to a prompt and accurate reinvestigation of disputed information. Failure to comply with these requirements constitutes a violation of federal law. 

As a consumer, I have the right to an accurate credit report. The presence of inaccurate information on my credit report is harmful and may be actionable. I trust that you will take this matter seriously and address it promptly. 

Please provide written confirmation of your investigation and the steps taken to resolve this dispute within XXXX  days of receipt of this letter. If you fail to remove the inaccurate information, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. Please contact me at [ your phone number ] or [ your email address ] if further information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if youd like to make any adjustments or add additional details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Product: Credit reporting or other personal consumer reports

I am trying to close on a real estate purchase which is now delayed. Equifax has a data error that is preventing me or my lender from pulling my credit report. They are requiring me to overnight a written request and wait their standard processing time, however this error is in their system and I am now on the verge of losing my deposit and this property since I can not perform. 

I have made several call the week of XX/XX/XXXX and overnighted a written request on Friday, XX/XX/XXXX. XXXX for Equifax to receive and process but I am now almost a week later and one week past my close of escrow on my home purchase. 

There is no rush accommodation offered. The other two credit bureaus had no issues but when I called Equifax multiple times, they give several different answer from we don't see a property to oh yes, it has conflicted personal data and we need your request to resolve.