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

I sent a letter out on XX/XX/XXXX, XXXX here is my tracking number XXXX XXXX XXXX, Experian # XXXX, XXXX XXXX XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681 Section 602 A states I have the right to privacy. Also, according to 15 USC 6802, No Financial Institution is not supposed to share my information with XXXX XXXX 


This s a clear violation of my Federally Protected Consumer Rights.
Product: Debt collection

XXXX XXXX from XXXX ( XXXX ) sent repeated emails to me to collect the money for the XXXX XXXX  XXXX, but that was a double charge, and the XXXX XXXX XXXX has already dropped the collection on XX/XX/XXXX. However, XXXX XXXX repeatedly sent emails to harass me even after I asked him to stop sending emails. 





From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX ( XXXX XXXX Subject : Re : Your manuscript XXXX payment overdue XXXX EXTERNAL to XXXX : This email is not from an XXXX account. Do not click links or open attachments unless you recognize the sender and know the content is safe. 

Account/ Subscriber Number:XXXX  ( please use this in all correspondence ) Manuscript DOI : XXXX Good Afternoon XXXX XXXX, Thank you for your email. 

We deeply apologies for the inconvenience caused. 

Upon checking we have cancelled the invoice XXXX so we can confirm you will not receive the email from collections. 

If you have any further questions or queries then please do not hesitate to contact me and I will be happy to help. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is now available at : XXXX XXXX XXXX Our chat advisors are available from XXXX XXXX, Mon to Fri US and XXXX : US Telephone : XXXX XXXX US Telephone : XXXX XXXX ( Toll free in US and XXXX ) XXXX Telephone : XXXX ( XXXX ) XXXX XXXX -- -- -- -- -- Original message -- -- -- -- -- From : XXXX Date : Friday, XX/XX/XXXX at XXXX To : XXXX Cc : XXXX, XXXX, XXXX Subject : Re : Your manuscript XXXX payment overdue Dear Publisher, Several emails from the debt collectors recently claimed that I owe the XXXX XXXX XXXX XXXX XXXX charge. However, as the email communication in XXXX and the receipt indicate, the page charge was already paid on XX/XX/XXXX ( please note the receipt was sent to my XXXX account : XXXX ). Please correct the records as soon as possible and let me know directly, not with the collectors. 

Based on the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RDCPA ), consumers have the right to stop communication with any debt collectors. Therefore, please ask the debt collectors to stop any communication regarding this matter to me. I reserve all rights to file a report to the Consumer Financial Protection Bureau or take legal action against unlawful debt collection practices. 

I hope we can resolve this miscommunication in a civilized way. I appreciate your understanding. 

Sincerely, XXXX XXXX, XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account 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
Product: Mortgage

Today, XX/XX/2023, I called Selene Finance LP, spoke with representative to follow up on my concern with letter I submitted to Selene on XX/XX/2023. 

Representative advised that on XX/XX/2023, when I called Selene that I did not agree with their Loan Modification Terms, Representative advised me to reapply. She explained that when I spoke to Selene this day they mailed me a new application and as of today, XX/XX/2023 I have not received any documents/application in the mail from Selene.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my name or credit I have over XXXX inquires on my credit that are fraudulent and unauthorized and I wish to have them removed as soon as possible
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i sent certified letters to XXXX XXXX XXXX WELLS FARGO, XXXX, XXXX XXXX XXXX requesting them to remove a LATE PAYMENT from my consumer report, there was No responds until i file a complaint with the CFPB in XX/XX/XXXX XXXX XXXX responded with the balance i owe them not the late payment Under the Law 15 USC 1666b timing of payment, I never got no notice in the mail... section 1637b or a Periodic statement or a negetive information notice!!! I ASKED FOR THE LATE PAYMENT TO BE REMOVED NOT TELL ME MY ACCOUNT BALANCE the dispute was never addressed and the CFPB closed my case on XX/XX/XXXX what is going on!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

There were a bunch of us who were over charged and I'm checking if I qualify. Being a wells Fargo customer
Product: Mortgage

there is inaccurate missed payment reported into my credit profile by a mortgage company that I once had a loan with
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter of dispute to TransUnion credit bureau regarding a BANKRUPTCY reporting on my credit report and TransUnion responded with a letter refusing to process my request because they claim that ( MY DISPUTE LETTER APPEARS THAT I DID NOT SEND IT ) See attached letter marked EXHIBIT ''A '' with a copy of the letter from TransUnion marked EXHIBIT ''B ''. Clearly the letter to TransUnion came directly from me, as proof it was from me, I had the letter notarized by a State of North Carolina notary public, presented my driver 's license as proof of my identity, notaries are officers of the state who in my opinion are beyond reproach. There should not be any question as to whether or not this document was provided by me. I sent the request to TransUnion via certified mail, see copy of postal signature card marked EXHIBIT ''C '' received by representative of TransUnion on XX/XX/2022. 

TransUnions frivolous excuse for rejecting my dispute letter is clearly a violation of the Fair Credit Reporting Act. My TransUnion file number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Multiple unverified reports have 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 These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was accepted into the Florida homeowner assistance program back in XXXX. Supposedly the state of Florida sent out my first mortgage check on sept. XXXX to XXXX bank. XXXX bank claims they have never received anything but the state of Florida insist that the bank is holding up the check because they sent it to the correct address. Neither the state or XXXX bank are being helpful in tracking down these federal funds that were allocated to help homeowners like me. I have called the state and XXXX times and the state of Florida swears they have sent a check on XXXX and XXXX on XXXX to a XXXX XXXX XXXX XXXX, Ohio. XXXX bank has no way to check if they have received them or they arent accepting them, they dont care to help me and only want the payment made, they dont care to help track down mail with payments that has been sent to them. XXXX probably threw it out. I have no way to hold either party accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

Worldwide recovery in california has been harassing me continuously at my work and calling my cell phone. They have gone as far as to tell my employer that they are sending someone to arrest me at my work if i do not contact them. I have asked for them to send me information in the mail and they refused. I want them to stop harrasing me. If i owe a debt snd me a letter with proof and we can work something out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was supposed to be at a XXXX dollar payment until XX/XX/2019 And it was reported 90 days past due in XX/XX/2019 I have contacted this company over 20 times and I have reached out to all levels of superiority with the company and they nor the credit bureaus will update my credit file correctly
Product: Mortgage

My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted.
Product: Checking or savings account

XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : I am requesting, pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Chex Systems , Inc , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX in the amount of {$1200.00}. 

This account has resulted in a fraudulent account appearing on my consumer report. I have listed this fraudulent account that is on the report that is being maintained by you. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer report that is being maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment information that has been reported on my credit report concerning my account with XXXX  XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **High Balance : ** {$4000.00} - **Date of Last Activity : ** XX/XX/year> - **Account Status : ** Closed - **Payment Status : ** Late 90 Days XXXX. Inaccurate Reporting of Late Payment : ** I have identified a 90-day late payment listed on my account that is inaccurate. Under **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) **, when the accuracy of any item of information contained in a consumers file is disputed, the consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. This late payment is incorrect, and I request that it be deleted from my credit report. 

XXXX. Incomplete and Unverified Information : ** According to **15 U.S. Code 1681i ( a ) ( 1 ) ( C ) **, if during the 30-day period of reinvestigation, the information is found to be inaccurate or incomplete, or if the consumer reporting agency determines that the information can not be verified, the agency must delete the item from the file. In this case, the late payment information can not be verified as accurate.

**3. Failure to Provide Timely Notice : ** Under **15 U.S. Code 1681i ( a ) ( 2 ) ( A ) **, the credit reporting agency is required to notify the furnisher of the disputed information within five business days. I have not been informed of any actions taken by the credit bureaus or the furnisher XXXX XXXX  XXXX XXXX ) to address the inaccuracies, which further demonstrates non-compliance with the FCRA. 

Requested Action I respectfully request the following actions be taken : XXXX. **Immediate Deletion of Inaccurate Late Payment Information** : Given that the reported late payment is inaccurate and unverifiable, it must be removed from my credit report. 

XXXX. **Correction of Account Status** : The account status should reflect accurate payment history without the incorrect late payment entries. 

XXXX. **Written Confirmation** : Please provide written confirmation that this dispute has been resolved and that the inaccurate information has been deleted from my credit report. 
Supporting Documentation I have attached relevant documents, including payment records, that support my claim and demonstrate that the reported late payment is incorrect. Please consider this as part of your reinvestigation process. 

I trust that you will conduct a thorough and timely investigation as required by law and correct these errors promptly. I appreciate your attention to this matter and look forward to receiving confirmation that my credit report has been corrected.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Date : XX/XX/XXXX Subject : Complaint Regarding Inaccurate and Inconsistent Credit Reporting of Student Loan Account To the Consumer Financial Protection Bureau : I am filing a formal complaint regarding the inaccurate and inconsistent reporting of a closed federal student loan account ending in 8581, previously serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and now overseen by Nelnet and the U.S. Department of Education ( ED ). These issues are ongoing despite multiple attempts to resolve them, and they violate the Fair Credit Reporting Act ( FCRA ). 
Details of the Complaint 1. Inaccurate and Inconsistent Reporting Across Credit Bureaus The reporting for this closed student loan account is inconsistent and inaccurate across XXXX, XXXX, and XXXX : Account Open Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Date of Last Activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Account Status : XXXX : Transferred XXXX : Paid XXXX : Not reported These discrepancies directly violate FCRA standards for accuracy, consistency, and completeness in credit reporting. 
2. Failure to Provide Complete Payment History Despite multiple requests to Nelnet and XXXX, I have not been provided with a complete payment history, including : The dates and details of missed or late payments. 
The date of first delinquency. 
The date the account became negative. 
The dates of last activity and last reporting. 
Without access to complete and verifiable records, I can not determine the accuracy of the reported information or address these inconsistencies effectively. 

3. Suspected Data Loss or Mismanagement XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is no longer in operation, and I believe the transfer of this loan to Nelnet/XXXX  may have caused data loss or reporting errors. The continued refusal to provide supporting records or correct the discrepancies further compounds the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX
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 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 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 seven years.

15 U.S.C 1681 s-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 information is inaccurate.
Product: Checking or savings account

Im not exactly sure. I closed my account with Wells Fargo and I dont have the exact dates.