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

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfers

I sent a money transfer back in XXXX. The money was never picked up by the receiving party overseas. I called WESTERN UNION they confirmed that the funds were available and that they would send me a check. 4 months later, and about XXXX reps promising me payment, I have still not received my refund from Western Union. Furthermore, the Western Union system no longer recognizes the tracking number ( a number they assigned to my transaction ). So it is as though I never sent money. The tracking number conveniently drops off after XXXX to 60 days after the transaction. So if they drag their feet to refund you, you disappear from their system all together. 

I write that Western Union 's refund policy be investigated, what do they do with " unclaimed money ''? Because they make efforts to claim the money very difficult on the sender. Most of the people using this service do are immigrants and they do not have a voice to communicate and navigate Western Union 's very complicated customer service. Most of my calls were routed to the XXXX.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX 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  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: Credit reporting 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 : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I want to bring to your attention the fact that certain accounts have been successfully removed from other credit bureaus, yet they are still being reported and furnished by your department. Despite my numerous attempts to communicate with you in a legal and transparent manner, you have chosen to ignore the laws established by Congress regarding the accuracy of information. 

I now demand that the following accounts be deleted and removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Last Reported, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] XXXX. XXXX XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Date Last Reported, Two-year Payment, and Date of Last Payment ] These accounts have been successfully removed from other credit bureaus, and their continued presence on my report is a violation of the laws established by Congress regarding the accuracy of information. I request an immediate action is taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Due to some failure to properly verify the information on my credit report, inaccuracies have occurred, which have negatively affected my credit ratings and reputation. Therefore, I strongly demand an immediate removals of these unverified and inaccurate accounts from my credit report in order to restore the accuracy and integrity of my credit history. 


Truly yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several accounts being inaccurately reported to my Equifax credit report. I have challenged this information in the past and my notice was mishandled. I am submitting a new challenge of information with details describing the errors. I expected that Equifax will take reasonable procedures to handle the challenge properly and to treat me fairly.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System along with XXXXXXXX XXXX and XXXX XXXX is once again reporting a fraudulent debt that I already had removed from my consumer report. 

I once again, demand this fraud of a debt removed from all reporting agencies immediately
Product: Student loan

My loans were recently consolidated as XXXXXXXX XXXX and placed under the XXXX repayment plan. Even though everything had already processed and was set up to auto pay on XX/XX/23, MOHELA came along after the fact and placed my account on administrative forbearance, making interest begin to accrue at the higher rate than I had been receiving due to auto pay sign up ( plus, with my XXXX plan, with regular payments I shouldn't be paying interest at all ). I called and spoke to a representative, who assured me the forbearance would be removed. I have since received ANOTHER notice that MOHELA placed my account on ANOTHER administrative forbearance, extending it even further. I sent a message on XX/XX/23 via their online system ( they were closed for veterans day ). I also called on XX/XX/23. The representative assured me that the forbearance would be removed and I would not be responsible for the interest. She assured me I would receive a letter stating that information. To date, I have not received anything and my account remains in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX, XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$3800.00} XXXX/XXXX   XXXX {$740.00}
Product: Student loan

Fed Loan Servicing My forbearance ended without my knowledge. I was not made aware PRIOR to the forbearance ending. They communicate through their internal website email, not through my personal email address. They will send a notification email ( sometimes ) to my personal email to state I have an email in their internal website email system. 
Fed Loan Servicing did not contact me through calls, emails to my personal email, nor physical mail. I asked for all communication to be electronic, but once the forbearance ended abruptly, I would think that Fed Loan Servicer would communicate with ALL other forms of communication to avoid late payments. 
Then, they reported to all three credit bureaus, that I am 90 days late as their First reporting. I have called to make payment arrangements, but they have NO tolerance or lower repayment structures for me because they state my income is " too high ''. They do not take anything else in account except the income ... .not family size, debt to income ratio, or any other circumstances. So, I still ca n't pay the loans. 
I asked for a print out of the communication that they state they made during this time-frame. They will not supply it. The communication they claim they made was all AFTER the forbearance ended abruptly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payments currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported by credit bureaus is fair and accurate. The late payments in question are erroneous and do not reflect the true status of my account ( s ).

**FCRA Violations** Under the FCRA, Section 1681, credit bureaus are required to report only accurate and complete information. Furthermore, according to Section 1666b, consumers have the right to dispute any inaccuracies on their credit reports and expect a timely investigation and resolution of such disputes. 

The incorrect reporting of late payments is having a significant negative impact on my credit score, which in turn is affecting my ability to secure credit, housing, and employment opportunities. This is not only unfair but also a violation of my rights as a consumer under the FCRA. 

**Legal Implications** Should this matter not be resolved promptly, I will have no choice but to seek legal representation. Please be advised that if this issue escalates to a legal dispute, the credit bureau will be liable for all associated costs, including but not limited to : 1. Attorney Fees : Estimated at $ XXXX {$500.00} per hour, with a total cost potentially exceeding {$5000.00} depending on the complexity and duration of the case. 
2. **Court Costs** : Filing fees and other court-related expenses, estimated at {$500.00} to {$1500.00}.

3. **Damages** : Under the FCRA, you may be liable for actual damages suffered by me as a result of your failure to comply with the law, including any emotional distress caused by the erroneous reporting. Statutory damages may also apply, with potential awards ranging from {$1000.00} to {$10000.00}, depending on the severity of the violation. 

In light of these potential legal costs, I strongly urge you to take immediate action to remove the inaccurate late payments from my credit report. Please provide me with written confirmation that these items have been removed, or provide me with documentation supporting their accuracy within 30 days of receipt of this letter. 

Failure to address this issue in a timely and satisfactory manner will result in the initiation of legal action to enforce my rights under the FCRA. 

I trust that this matter will be resolved quickly and amicably, and I look forward to your prompt attention to this serious issue. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX This letter is a formal way to assert your rights and encourage the credit bureau to correct the inaccuracies without escalating the matter to a legal dispute. Make sure to send the letter via certified mail with a return receipt to ensure that you have proof of delivery.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Debt collection

I had no knowledge of this XXXX account that was on my report I need it removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Conns Appliances Inc located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns Appliances Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

I AM REQUESTING OMBUDSMAN DEPARTMENT TO AUDIT MY INSURANCE/ESCROW ACCOUNT. THEY REFUSE TO REFUND FALSE FLOOD INSURANCE FEES, LATE FEES, ESCROW ADMIN FEES, AND HOMEOWNERS FORCED PLACED INSURANCE FEES OVER 10 YEARS TOTALING {$16000.00}. SEE ESCROW ANALYSIS STATEMENT XXXX. I LIVE IN A XXXX  XXXX, AND OVER THE YEARS, ALL MASTER BUILDING INSURANCE COVERAGE AND PERSONAL FIRE INTERIOR COVERAGE WAS EMAILED ON TIME. SEE COVERAGE FROM THE YEARS 2016 TO THE PRESENT. 

ALSO, THE ORIGINAL XXXX XXXX XXXX, AS A PRECEDENT XXXX NEVER REQUIRED INTERIOR COVERAGE SINCE OUR NEW XXXXXXXX XXXX  AT XXXX XXXX XXXX FLORIDA XXXX XXXX BUILDING ARE PREWIRED WITH SPRINKLER SYSTEMS/SMOKE DETECTOR ALARM SYSTEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I have tried to dispute all of these accounts with XXXX XXXX XXXX XXXX and have not had any success. 
They all need to be removed from all three credit bureaus ASAP I am now coming to you for help Please inform ASAP Thank you In accordance with The Fair Credit Reporting Act pconsumer rights to privacy and confidentiality under 15 USC 1681 Account Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c 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 7 years 15 USC 1681 s-2a1 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: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I deposit a check for XXXX XXXX and the bank worker told me that XXXX. Would be available 4days later and the rest would be 2 days after that. Then a day later got email saying won't get any of it till 7 days later. I asked the teller before he put it in my account the times and then he ask me if it was ok and ok to put the deposit through my account. If I would have known that I was lied to I wouldn't have don't it that way and cash it a different way to get funds quicker. I called the company that issued the check and it has cleared already. Now Bank of America is making me wait even longer for my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in XXXX XXXX, 2021 and never was given any information. On my credit report Experian and XXXX are reporting that XXXX 's XXXX was over 30 days late multiple times. I have my transaction history to prove I wasn't late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed some inaccurate and unverifiable inquiries on my report. Under usc 1681 the FCRA states tha ( A ) 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. Foremost as the consumer i did not give permission for these inquiries to be posted on my report which is a form of identity theft. No consent is a form of identity theft with out my written or oral permission. 
XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX