23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

People keep calling saying they are from a law firm and they say they are going to prosecute me for theft by misrepresentation if I dont pay them but they will not provide documents or proof of the claim. They keep threatening to come to my job and serve my boss. They say its for ace cash. I did use ace cash about 4-5 years ago but I payed it in full. I feel this is either a scam or not lawful. Thanks Here is the number that they called from today. 
XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is XXXX XXXX. 

Disputed this account, and nothing was sent to me to legally verify this account. 

Experian is in violation of the FCRA. I am exercising my rights under FCRA XXXX ( a ) ( XXXX ). I requested a method of verification along with a re-investigation. Experian did not comply with my request for method of verification. 

On XX/XX/XXXX I disputed this item via mail asking Experian to verify the item was accurate. XXXX they advised it was verified but did not provide any information. 

On XX/XX/XXXX I sent a letter in asking for proof of verification. The status on my report was updated and again no proof of verification was provided. 

On XX/XX/XXXX I sent a third letter via mail, asking for proof of debt and validation. On XX/XX/XXXX the system was updated, again simply saying the information was verified. 

I am requesting this account be removed from my credit report, as it is not accurate, has not been verified and is negatively impacting me.
Product: Bank account or service

Citi Bank offered a public promotion for any City Gold Clients to earn XXXX award miles once they meet the requirements. Since, I have met the requirements, they have not yet honor my reward. Furthermore, they have been dragging out the process by extending the investigation from few days to 45 days now. Every time I called, the story becomes different. Citi bank is using deceptive marketing to win over clients on to their Gold account, which requires monthly fees or holding on to large amount of deposit.
Product: Mortgage

It all started with setting up auto-pay on Roundpoint Mortgage Services... 
I usually make my payments monthly, from my account. In XXXX some things changed so I asked my husband to start making payments from his checking account. Of course, he forgot to make it ontime, so I made a payment myself and set up an autopay to make sure it does not happen in the future. The rep on the phone confirmed that autopay is in place ( please see the confirmation email attached below ) and I went on about my life. 
A month later I received strange piece of mail, about getting help with payments... Why would I need help? So I called them and another rep informed me that they cancelled my autopay for some bogus reason, without even letting me know!! Why would they cancel my autopay? I should be the only one to cancell my autopay, especially if I am the only one who can set it up ( the reps can not set it up, it must be done online ). I would expect them to send me an alert email - letting me know that my autopay was cancelled, or that my payment is overdue, of better yet text me or call me- with automated message even and say that there is an issue with my payment, so I can address it ASAP. 
Their questionable and inadequate practices lead to to my lateness of payment, but not my irresponsibility. Roundpoint Mortgage Servicing company should be responsible for cancelling my auto cancelling my autopay and, therefore, leading to ruining my credit ( which dropped over XXXX points - I never had a late payment for 20 years now! ). 
I would really appreciate your help in keeping this company up to the proper standards. 
Thank you. 
XXXX
Product: Mortgage

I went into a COVID-related forbearance on my VA Loan during the approved period. I voluntarily ended the forbearance and began remaking regular payments. I never missed a single payment before or after the forbearance period until XX/XX/2022, when my lender PennyMac disabled my option to pay on-line and they proceeded to foreclose on my property. I have since tried to make payment unsuccessfully and am told I must sign a modification trial period. Per PennyMac 's records, they have tried to send me items through the traditional mail and they have been returned to them. I have spoke with my local post office and they have no indications of why there is a problem with mail delivery as I receive all other mail. I am not late on any other bills, as they are mailed to my house. Since XXXX, I have been told the documents that are needed are on-line in my portal. As of today, XX/XX/2022, they are not available. I have been trying to comply with whatever is needed since I became aware of the problem, but the lender is not willing to work with me.
Product: Credit reporting or other personal consumer reports

Equifax had my credit merge with someone with same or similar name. After month they finally unhinged my name but left all the inquiries on my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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

It is illegal for XXXX XXXX XXXX XXXX to report income on a credit file. Per IRS Publication 4681. 

XXXX XXXX XXXX XXXX Is reporting illegal transaction and experiences between the consumer and person making the report Per 15 U.S.C 1681a ( 2 ) ( A ) ( i ) transactions and experiences should be excluded. 

XXXX XXXX XXXX XXXX Is in violation of the Privacy Act Of 1974 5 U.S.C 522a
Product: Credit reporting or other personal consumer reports

I have notified Early Warning multiple times that the following accounts are fraudulent and I am requesting ID Theft Block for the following accounts immediately : XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ). 
Early Warning has continued to selectively incorrectly interpret my requests for Identity Theft Block of fraudulent accounts. 
I am a victim of Identity Theft and my personal identifiable information has been compromised and included in multiple data breaches. Upon reviewing my Early Warning Report, I noticed fraudulent accounts and notified Early Warning and Requested removal with providing FTC Affidavit, Police Report and Proof of my identity. To Date Early Warning Services has failed to comply with the Fair Credit Reporting Act and remove and or block the fraudulent accounts that they were notified were appearing on my Consumer Report after being notified that I am a victim of iientity theft. Early Warning Services is reporting multiple fraudulent checking accounts after being notified that I am a victim of Idenity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : XXXX XXXX : acct. number : XXXX TRANSUNION, XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX XXXX XXXX : acct # : XXXX XXXX- XXXX XXXX acct # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX XXXX acct. # : XXXX TRANSUNION AND XXXX- XXXX XXXX XXXX XXXX XXXX  # : XXXX TRANSUNION AND XXXX XXXX in sv : acct. # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct. # : XXXX TRANSUNION XXXX XXXX XXXX AND XXXX- XXXX XXXX XXXX acct. # : XXXX TRANSUNION XXXX XXXX XXXX AND XXXX- XXXX XXXX XXXX XXXX acct. # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX acct. # : XXXX TRANSUNION AND XXXX XXXX XXXX XXXX : acct. # : XXXX TRANSUNION AND XXXX- XXXX : acct. # : XXXX TRANSUNION- XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX XXXX- NO CREDITOR NAME : acct # : XXXX XXXX- NO CREDITOR NAME : acct # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine -- letters have been sent certified mail and return receipts have been received by me. 

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : -- XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Other financial service

On XXXX XXXX, 2016, USA Student Loan.org contact to me, stating that my name was selected from a low income database to see if I qualified for student loan reduction or to get it totally paid off. The Rep was named XXXX ( no last name ). What really convinced me that this could be legit it because, he even mentioned that he was in the same area that I was from and called out some of the areas that I was familiar with. After retrieving my information from the XXXX website and final consulting, he said I was approved for 100 % of my settlement. But, I will have to pay {$590.00} in full or in payments for the next 5 months. I have tried to contact them to check on the status of the process and no one answers the phone. I am convinced that this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) 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. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have over 20 inquiries none of which I made. I
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Failure to Address Disputes Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report the inaccurate credit reporting practices of the following financial institutions and credit reporting agencies : XXXX, XXXX, and TransUnion. Despite my repeated efforts to dispute incorrect information on my credit reports, these entities have failed to adequately investigate or resolve the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : XXXX. XXXX  XXXX Late Payments : I dispute the reporting of late payments for my XXXX XXXX account. 
The creditor failed to credit payments appropriately under 15 U.S.C. 1666b, which mandates payments be credited as of the date of receipt. 
These late payments are inaccurate and have negatively affected my credit score. 
XXXX. Erroneous Accounts on My Credit Reports : The following accounts are inaccurately reported and remain unresolved : XXXX  XXXX Charged-off balance of {$190.00} XXXX XXXX  XXXX XXXX XXXX of {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$930.00} XXXX XXXX XXXX  balance XXXX {$2900.00} XXXX. Failure of Credit Reporting Agencies to Investigate : Despite filing disputes directly with XXXX, XXXX, and TransUnion, the disputed information has not been adequately investigated or removed. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report, which has not been upheld in my case. 
XXXX. Identity Concerns and Data Breaches : My personal information was compromised in several data breaches, including the XXXX breach. 
I believe this has contributed to inaccuracies on my credit reports that need immediate correction. 

Impact of Inaccuracies : These reporting errors have caused significant harm, including : Damage to my credit score. 
Denial of credit and higher interest rates. 
Emotional distress from the ongoing disputes. 

Requested Resolution : I request the CFPB to : XXXX. Investigate these reporting errors and ensure that XXXX, XXXX, TransUnion, and the listed creditors comply with federal laws, including the FCRA and 15 U.S.C. 1666b and 1692c ( c ). 
XXXX. Require the removal of the following accounts from my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hold the reporting agencies and creditors accountable for their failure to address my disputes and verify the accuracy of their records. 


Thank you for your time and attention. I trust the CFPB will take swift and appropriate action to address these violations and protect my rights under federal law. 

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

I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. XXXX XXXX AND EQUIFAX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.