23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : ARS National Services Inc Account # 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
Product: Payday loan, title loan, or personal loan

I took out a loan for {$300.00} and was given an extension to pay on XX/XX/2019. I had to leave town for work, and they deposited the check, which was bounced back because my spouses unemployment check had not yet been deposited. On XX/XX/XXXX at XXXX they left a message on my employers main phone line identifying themselves as a payday loan company and searching for me by name. I called the company on XX/XX/XXXX and spoke to XXXX  to ask them to not call me at work and they said that in the contract they are able to and would not agree to cease communication to my place of employment. Everything I have researched stated this is not true and has caused me humiliation and could ruin my reputation at my job to be promoted or given additional responsibilities.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments TXXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account ( # XXXX ) as reflected on my credit reports from XXXX, Experian, and XXXX. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : XXXX XXXX Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. 
Experian and XXXX : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. 
Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms. 
It is my understanding under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate.

Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist.

Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following : Conduct a thorough reinvestigation of the reported late payments for the periods in question.

Update my credit reports to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of completing the investigation.

If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA.

References to Legal Obligations : 15 USC 1681i : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers.

15 USC 1681s-2 : Prohibits the reporting of inaccurate or incomplete information.

15 USC 1666 ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information.

Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV funding has been reporting an account on my credit report, which is has not been validated. I requested a debt validation over 30 days ago for a debt listed on my credit report in the amount of {$2300.00} from XXXX XXXX XXXX XXXX. The account listed is more than 7 years old and I do not recall the debt. I would like the debt validated or removed from my account. If the debt is validated I would like all communication in writing and ask the company to stop contacting me via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the XXXX XXXX XXXX XXXX of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Credit reporting or other personal consumer reports

XXXX is impoperly reporting my credit wrong.Some of the old accounts should be deleted and its still on there after several years. 

XXXX is reporting my credit wrong.Once I paid some debt it should of went up.I think this is a sham. 
Experian has my information wrong.Wrong person information.I believe someone stole my information.None of it is correct.
Product: Debt collection

I received a collection letter from RAB Inc claiming I owe XXXX of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for XXXX XXXX XXXX through RAB. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.
Product: Credit card or prepaid card

I have never made a late payment and have always paid over the minimum but im never accepted for credit limit increase
Product: Checking or savings account

XX/XX/2023 at XXXX XXXX amount of {$5000.00} was fraudulently taken out of my account. I immediately went to the bank once notified about the illegal transaction. The bank had no empathy. They opened a new account to ensure that the new account wouldn't be hacked. However, the gave no provisional credit or insight other than informing me it would take 7-10 days. However, here on XX/XX/2023 the issue is still unresolved. On XX/XX/2023 i contacted them because I am very uneasy and explained to them I'm in the middle of buying a house and this is pushing back my settlement and me and my children can loose our house. The representative said IM SORRY YOU FEEL THIS WAY. So at that point i became irate. I have been nothing but patient. I put over 6 figures into a federally insured bank in which i trusted for years and they do not care because it's not their money. I had several products with this company and never experienced this with any bank. I have never been frauded, humiliated, and disrespected by an institution. I'm more hurt because this is the bank i liked the most out of all my banks. The customer service is very standoffish and they do not care. Not only that, security called me today for being frustrated with the rep on XX/XX/2023 yet they have yet to call me about the status of my claim, in which i haven't even received a follow up call or email. I am also making a police report. I just want my money back and to move on with my life in my new home this is absurd. This bank always advertises 0 fraud liability and at this point i am liable for being frauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to unfortunate circumstances, I was forced to file bankruptcy. The account with check n go, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.
Product: Credit reporting or other personal consumer reports

So XXXX have not verifying this debit correctly and I dont have a contact with some of this companies and from my understanding all this collection companies are banned from from reporting to your credit comes from the FTC
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has 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 accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau who's very existence revolves around unlawful practices has violated my rights again for the 325th in my life. 

Just yesterday they added 4 new accounts to my report. No one notified me or offered my the option to opt out. These accounts are from 2015 and I have no knowledge of them. I should not have to send the credit bureaus a letter every month to notify them that they are violating my rights. 

There is only one credit bureau that is line with the law and its not either of the 3 major ones. Experian, XXXX, and XXXX are all built on unlawful practices and procedures. 

No one should have to notify a company every month that they are operating under illegal standards and procedures. Big business in America already knows this. At the point that they know that we know it should stop immediately. 

Adding anything to my credit report without offering me the option to opt out is a direct violation of my right, but the credit bureaus like Experian are allowed to do it everyday. This company literally breaks laws everyday and nobody cares to do anything about it. That's why they keep doing it.
Product: Checking or savings account

My account was frozen on XX/XX/XXXX due to a check that I deposited from XXXX XXXX, they said it was fraudulent activity. I called and provided a substantial amount of information including a number to call to verify the check and was told multiple times to call back. I was told to call back on XXXX, XXXX, and today XX/XX/XXXX and there still has been no update. I spoke with XXXX XXXX XXXXXXXX about the check that I deposited on XX/XX/XXXX and they stated it had posted on my account and that there was nothing further they could do. I am just looking for my account to be unfrozen so I can close this account because it has been a headache.
Product: Debt collection

I have never received a call or letter from this company and was COMPLETELY unaware of this debt until I went to purchase a car and they pulled my credit report and told me my score. I need this collection solved as I do not know anything about this debt and my credit is VERY important to me because I want to be able to purchase a house soon for my family. 

I am willing to do a pay for delete even tho this is not my debt. I just do not want it on my credit report anymore since it is severely impacting my credit and life. I am a single mother with XXXX kids and my credit is very important to me. Please respond so I can get this resolved.
Product: Debt collection

In mid XXXX of XXXX, I received a debt collection letter dated XX/XX/2022 from United Collection Bureau XXXX Inc. in the amount of {$6600.00}. The letter listed my name incorrectly. The letter listed a creditor and the final amount owed, with options to pay the debt. In an attempt to have the debt validated, I mailed United Collection Bureau , Inc. a letter on XX/XX/2022, asking them to provide information validating the debt in question. In response, on XX/XX/2022, I received a 3 page letter ( dated XX/XX/2022 ) from United Collection Bureau , Inc. listing my medical records down to medications and procedures, which I know is a violation of HIPAA regulations. I never gave any consent to United Collection Bureau , Inc. nor signed any HIPAA forms authorizing said company to access this sensitive information. I'm filing a complaint with HIPAA and would ask that United Collection Bureau , Inc. and the creditor delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX BANK XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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 XXXX years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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

Under 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information on my credit report must be accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my file. 
Specifically, the inaccuracies include : 1. Account Number : The account number differs from what is reported on TransUnion.

2. Date Last Active : The date last active is inconsistent.

3. Date of Last Payment : The date of last payment is incorrect.

4. Last Reported : The last reported date is inaccurate.

5. Payment Status : The payment status is incorrectly reported.

6. High Credit : The high credit amount is inaccurate.

7. Date Opened : The date opened is inconsistent.

I request a thorough investigation and correction of all erroneous information. I expect written confirmation of the resolution within 30-45 days. 
Please be aware that if my request is not addressed within the stipulated time, I am prepared to seek legal action. Under FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy. 

XXXX XXXX XXXXXXXX
Product: Debt collection

This is some type of load that was part of identify theft. The original creditor is XXXX XXXX XXXX which sold the dept to Vanchehuffman. The items has already been removed by XXXX and XXXX. Need to be removed by XXXX
Product: Mortgage

On  XXXX   XXXX ,    2017 I re ceive a Notice of Default and Intent to Accelerate.and paid the amount of {$12000.00} to cure the default On  XXXX   XXXX ,  2017 I  received a Notice of Denial of Escrow Cancellation since I owed the same amount that I had previously submitted in a form a cashier 's check.     Upon calling the company, I get completely different answers, and finally called yesterday and was told that the amount I sent was not going to be applied to the default and that I owed an additional {$10000.00} to cure the original default.     That I would lose my house if I did not give another {$10000.00}.     That the customer service number is completely useless, and that the supervisors are completely useless. They need to be monitored and need to go through ethics training to stop causing distress to so many consumers
Product: Checking or savings account

Marcus by Goldman Sachs closed my account without warning and without letting me know. I only found this out because I called them when I couldn't login to my account. On XX/XX/year>, they informed me that my account was closed, said they didn't have to tell me why, and that my money would be transferred back to my XXXX account within 10 business days. It has been well over 10 business days and I still have not received my money so I called them again and they said the money has been sent and they don't know when I will receive it. I have no online access to my Marcus account so I can not see how much I had in there and whether or not the money is still in the account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I purchased a money order for a XXXX apartment application with {$50.00} cash. I purchased it at XXXX XXXX XXXX XXXX draft. On XX/XX/XXXX date of check I filled out recipient information incorrectly. I walked XXXX minutes to XXXX TD bank off XXXX XXXX and deposited check at teller window. I had crossed out the initial recipient XXXX XXXX as they would not accept for not staying XXXX XXXX. I had overdraft protection for ATM benefit and had deposited over $ 1500 month of XXXX and {$130.00} XXXX cash. TD Bank closed my account and online availability to XXXX money into the account for conjoint deposit by mobile upload. TD refuses to give me back the check after teller manager in XXXX XXXX branch assured me mailing back and loss of relationship. I traveled across state lines XXXX  to XXXX XXXX XXXX  going XXXX hours distance of, XXXX counties to a carbon of " altered '' check and savings and checking statements but no return check. I expect TD to either return the check or credit the closed Convenience checking the {$50.00} credit of refuted check to closed balance.
Product: Debt collection

As of today XX/XX/23, Harley Davidson Financial Services has repeatedly called me every hour starting at XXXX XXXX This has resulted in XXXX calls from them already today and it is only XXXX XXXX  XXXX XXXX 

They are in direct violation of the fair debt collection practices act, which prohibits debt collectors from harassing consumers. Last month they called me XXXX times in XXXX  days, I asked them to stop harassing me, and told them that they are breaking the law by incessantly calling me repeatedly. The FDCPA states that debt collectors can not call you more than 7 times in a week!! For some reason this company believes they are above the law. 

I am again asking that they stop harassing me, and stop calling me repeatedly every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 I sent a letter regarding inaccurate and unknown Items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within the 30 Days gives a reason to immediately remove those items from my credit report, it Has well been over 30 Days so they should be deleted or corrected promptly. I demand These account be Deleted and corrected immediately or I will file for litigation due to the stress Ive have been caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my ExperianXXXX XXXX  and XXXX XXXX credit report are fraudulent, unauthorized, not mine, and is the result of the XXXX XXXX XXXX breach discovered on XX/XX/2018 : Credit Inquiries : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018, XXXX XXXXXXXX XXXX  XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00}, XX/XX/2018, XXXXXXXX XXXX XXXX, {$7500.00}, XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I received a report that a new account was opened in my name with XXXX XXXX XXXX for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called XXXX and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.