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

In accordance with the Fair Credit Reporting act, Experian Information Services is violating my rights by reporting two accounts, XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) on my credit report. These listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) have violated my rights under 15 U.S.C 1681 section 602 A. which protects my right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 or 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. Experian Information Services have reported the above fraudulent accounts without any written instruction and or contracts containing my signature as a form of agreement to my credit report. 

XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts have been disputed with Experian Information Services multiple times, with evidence of sealed, certified letters with USPS receipts. Experian Information Services has failed to conduct an honest and thorough investigation with proof of verification in regard to the above-listed accounts. Experian credit bureau provided a standardized, template response as a result of all my disputes over a three-year period, without evidence of the validity of the aforementioned accounts. The aforementioned accounts have not been verified with a legitimate signature or my written instruction to report on my credit. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are inaccurate and do not belong to me, constituting a violation of my rights as a consumer. XXXX and XXXX XXXX have removed these accounts from my credit report, Experian Information Services needs to do the same. 

As a result of Experian Information Services violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts ( XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) be removed from my credit file immediately.
Product: Credit card or prepaid card

My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After rent I have next to no disposable income for this credit card payment. I contacted Captial One on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without Capital One 's assistance.
Product: Debt collection

I sent a certified ceist and desist letter to Fox collection company in XX/XX/2020. I have received three phone calls from them demanding to collect a debt that I have no recollection of.I have never engage in any business with this company nor have I signed any contracts to do so. I've also sent several certified letters requesting debt validation within 30 days. They have failed to validate the debt and continue to contact me after the ceist and desist request. They also continue to report fraudulent, obsolete account information to the credit bureaus which is damaging my credit. Fox collection company knowingly continues to violate the FCRA and I have documentation from year XXXX to prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/2018, I moved from my home in XXXX  to XXXX. I put my home on the market and did not get any offers until a short sale offer was made in XX/XX/2018. My real estate agent, attorney and I completed the forms for the short sale and sent them to Nationstar Mortgage. We did not receive any response. After numerous calls and letters requesting a decision, I filed a complaint with the CFPB. Nationstar still would not make a decision and the buyer backed out of the offer. We then received a new offer that was slightly higher but still a short sale. Nationstar then sold the mortgage to XXXX XXXX XXXX. XXXX then required us to complete all new paperwork, which we did. After two years of asking for the short sale to be processed, XXXX then decided to not accept the short sale. The foreclosure sale has been continually adjourned for future dates and each month XXXX reports delinquent payments to my credit report. Today I received a civil action notice from Nationstar Mortgage seeking over {$50000.00}. How does a mortgage company that sold my mortgage over two years ago, file a civil action against me? I have been trying to get this property sold for over three years now and each time it has been held up by a mortgage company refusing to process or even answer the paperwork we filed with them. I have reached out on numerous occasions to the CFPB and have not had any resolution. How am I responsible for additional monies due when the reason for these additional costs is the mortgage companies ' refusal to process the sale offered.
Product: Money transfer, virtual currency, or money service

Two separate transactions on my Paypal account that are unable to be cancelled. The first is in the amount of {$12.00}, the second is for the amount of {$28.00}. There is no option to refund these payments. The services I was purchasing were not provided and the sellers immediately blocked all forms of communication.
Product: Credit reporting or other personal consumer reports

Late Payment Date : XX/XX/2024 Account Name : XXXX Account number : XXXX Late PAyment Date : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 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 to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I hereby swear that this is my personal statement that the inquiries listed are fraudulent and NOT originated by me and need to be deleted from my consumer reports pursuant to 15 USC 1681c-2. Also, please update my personal information to reflect accurate information only, pursuant to 15 USC 1681e ( b ). : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE Former Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. DELETE Employer : XXXX XXXX  XXXX. : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX, XXXX DELETE Former Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE Employer : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. DELETE INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. ADD EMPLOYER : XXXX XXXX XXXX. ADD NAME : XXXX XXXX XXXX. 
PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

ACIMA DIGITAL FKA SIMP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Dispute of Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the following information that appears on my consumer report. The account in question is : Account Number : XXXX Creditor : ACIMA DIGITAL FKA SIMP Basis of Dispute : XXXX. Privacy Act of 1974 : The Privacy Act of 1974 requires that personal information in government records be accurate, relevant, timely, and complete. Although this primarily applies to federal agencies, the principles of privacy and accuracy should extend to how private entities handle personal financial information. The presence of inaccurate or unauthorized information on my consumer report is a breach of these privacy principles. 

XXXX. Charge-Off Account Consideration : The account in question has been reported as a charge-off. A charge-off is essentially a certificate of indebtedness, which under IRS rules can be considered as forgiven debt and therefore treated as income. Since this debt has been considered as income, it should no longer be reported as a liability on my credit report. Continuing to report this charge-off account negatively impacts my creditworthiness unfairly and inaccurately. 

Request for Resolution : In light of the above points, I am requesting the following actions : XXXX. Immediate removal of the disputed account from my consumer report. 
XXXX. Written confirmation that the account has been removed and that no further unauthorized information will be shared or reported. 

Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) to correct inaccurate information on my consumer report. I expect an investigation to be conducted within the required 30-day period, and a resolution to be provided promptly. 

Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute and keep me informed of your actions regarding the removal of the disputed account. 

Sincerely, XXXX XXXX
Product: Debt collection

Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.
Product: Mortgage

Boeing employees credit union recently reported my current home loan as derogatory, and closed due to chapter  XXXX  bankruptcy and now my excellent credit has dropped  XXXX  points at one credit bureau. I was legally divorced in  XXXX   XXXX . My ex wife filed bankruptcy a month later in  XXXX   XXXX  and included our home loan in the bankruptcy. The home was awarded to me. She signed a quit claim deed in  XXXX   XXXX .     I was in the process of assuming the loan with BECU to get my ex wife 's name off the home loan. In approximately   XX/XX/XXXX /  XXXX   XXXX   XXXX    I assumed the loan fully so that the loan is in my name only. None of the payments for this house have ever been late. No portion of this loan has ever been forgiven or written off. I have never filed bankruptcy or co filed bankruptcy I do n't see how it is even legal for them to report that my home loan, in my name only, has bee n discharged due to bankruptcy when it never was discharged. I have always been current with my l oan The credit union needs to remove the wrong derogatory information from my report and restore the loan as it was to show it current, all payments on time and no bankruptcy.
Product: Debt collection

XXXX XXXX with XXXX XXXX XXXX has been harassing me about a debt that was included in my bankruptcy in XXXX 2015. They have been calling my mother 's home also threating to take me to jail and it has been going on for months.
Product: Debt collection

Enrolled in college but did n't attend not even first day. Asked to be signed out as I could n't XXXX XXXX to get there or get a ride there and I was n't given the opportunity to have withdrawal papers mailed to me. They kept the money sent by my loan lender for books and things I never purchased and kept me enrolled and said it was the teachers decision to drop me. That 's not right. ( XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA N has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX card and XXXX that several of my rights as a consumer had been violated. Both of these companies furnished accounts on my credit file without my written permission. I am also a victim of identity theft. It is required under 605 b of the Fair Credit Reporting Act that these accounts be removed and blocked from my credit file within 4 business days. I am demanding that these accounts follow 15 1692 c and cease and desist all conveying of information directly or indirectly to any person through any medium regarding these fraudulent accounts. Also XXXX and XXXX are committing tax fraud by reporting a charge off to my file. They are also reporting information that is not accurate or true.
Product: Debt collection

The ambulance service never informed me of the amount that I would have to owe when using their services. I had insurnance at the time which I figured covered, but now it shows that I owe {$900.00} and {$3300.00} to XXXX XXXX XXXX. I was never given a bill to pay this expense off or a chance to dispute the charges. I would not have used the services if that was the case. Now the amounts have gone to collections and hurting my credit score.
Product: Credit card or prepaid card

I opened a credit account with XXXX XXXXComenity Bank, I believe in XXXX. I shopped there only occasionally, but every time I received a bill, I paid it on time. The next thing that happened was that Comenity sent me a letter dated XX/XX/XXXX saying that my account was closed and charged-off and sold to XXXX XXXX XXXX XXXX XXXX. I never received a statement for the amount it claims I owe, and I never received any written notification from Comenity Bank prior to the XX/XX/XXXX letter. I checked my credit report and Comenity has reported the alleged debt to the credit reporting agencies. The reports indicate that the charge-off amount is {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020 XXXX/XXXX  Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

It is challenging to reach CASH APP. 

There are no names customer service numbers or physical locations to enter for problems. 

They sell BITCOINS but is there BITCOINS secure, and what are their procedures to safeguard the BITCOINS. 

DO THEY HAVE OFF LINE WALLETS WITH PASSWORD PROTECTION OR PHASES? 

HOW DOES CASH APP SECURE MY BANK INFORMATION
Product: Credit card

I applied a Chase credit card and there should be a welcome offer to give me points after I spent a certain amount of money before a certain date. Before the deadline, I called them and they told me that I already reached that bar, so I didn't spend any money using that card. However, I didn't get that points after some time, so I called them and they said I didn't spend the require amount of money, and they said they will help to escalate it and send me an email. However I didn't receive any email so I called them several times, every time they said they will help and email me, but every time I didn't hear any from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to XXXX XXXX and XXXX. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.
Product: Vehicle loan or lease

Attempted twice today to make contact with Truist and come to a mutually beneficial arrangement. The first agent was the tough guy, pay up or else, kind of talk.. well that was about as welcoming as XXXX in a punch bowl. I asked for an address and i offered to surrender the vehicle in less than 30 minutes. he said i could not. i said i sure can, i will drive 10 minutes up the road park in front of Truist bank at XXXX XXXX XXXX XXXX, XXXX Texas, XXXX and give the manager the keys to my car and say thank you. He did not like that either, he was not willing to negotiate anything... we exchanged unpleantries and hung up. I called back and spoke to a very very nice female, polar opposite of the demeanor from the first gentleman. Explained my situation due to health problems i had fallen behind, but had made in excess of XXXX straight payments on autodraft not missing a beat! she was wonderful and polite and said let me see and let me see and let me see, but that resulted in much of nothing. I was supposed to receive a call, and there is a possibility i missed it, but i wanted it resolved on the phone, did my part. came up with i thought a more there fair proposal ... XXXX $ in two weeks, {$300.00} two weeks later, that 4 weeks later back to XXXX $ a month ... .now i am not nave that still leaves me two payments behind ... ..well, give me the address and i will turn it in within 30 minutes. you want the remainder of this XXXX loan or you want me to surrender this car, i will do it in a second. I am seeking a fair and manageable payment plan to make partial payments and then resume full payments in a months time. I want Truist to show good faith in negotiating. Please and thank you. 

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

My information was leaked in a data breach and most information on my credit report does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act 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: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed information that was fraudulent. It's hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent numerous letters and have not received any responses from the bureaus. Nothing. it has been 6 months now and i still have nothing.
Product: Credit reporting or other personal consumer reports

There is a PERSONAL information thats on my consumer report that appears on my Experian consumer report that is INCORRECT. Wrong NAME and WRONG home address. I don't know why Experian is not deleting that wrong information from my consumer credit reports.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I spotted a fraudulent account that needs reporting and correction through your company. This account was reported without valid evidence.