23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within 30 days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the State legislature, the Attorney General 's office, and the office of the Ombudsman. 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX 2 illegal late payments, XXXX Balance {$13000.00} XXXX 2 late payments, account : XXXX Balance {$13000.00} XXXX  1 late payment account XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments of {$9800.00} XXXX XXXX illegal 1 late payment of {$3300.00} XXXX XXXX illegal 1 late payment paid off closed XXXX 1 illegal late payment paid off closed XXXX XXXX XXXX 1 late illegal payment account XXXX {$5400.00} I have attached my letters for your review
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account listed on my credit report by LVNV Funding, LLC. The account details are as follows : Creditor Name : LVNV Funding, LLC Account Number : [ XXXX ] BALANCE- {$330.00}, [ XXXX ] BALANCE- {$580.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that LVNV Funding, LLC provide validation of this debt, including : Verification of the Debt : Details on the amount owed, the name of the original creditor, and an itemized breakdown of how the debt was calculated. Proof of Ownership : Documentation showing that LVNV Funding, LLC has the legal right to collect this debt, including the original agreement with the creditor. Notification : A copy of the notice sent to me within five days of the initial communication from LVNV Funding, LLC, as required by 12 CFR 1006.34. I request proof that this notice was delivered to me with my signature confirming receipt. This proof would demonstrate that I was made aware of the debt and given an opportunity to dispute it. Under 12 CFR 1006.34 and 15 U.S.C. 1681s-2, LVNV Funding, LLC is obligated to provide this notice and validate the debt before continuing collection efforts or reporting the debt to credit bureaus. If LVNV Funding, LLC can not provide the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be accurate on all my credit reports. 
The credit bureaus stated that my accounts was properly investigate but, how is that possible if open dates is inaccurate, the last date of activity is inaccurate, last reported not accurate. This is ground for removal they have also violated my rights under 15 U.S.C. 1681 section 602 A States i have the right to privacy 15 U.S.C. 1681 section 602 Section 2 it also states a consumer reporting agency can not furnish a account without my written permission.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} ACCOUNT NAME : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Vehicle loan or lease

Pandemic ( Covid 19 ) has caused me to have 1 late payment out of the 2 years I had the loan. Creditor updated late payment then turned around and put the late payment back on credit report. Sent goodwill adjustments.
Product: Credit card or prepaid card

I bought gift card for a friend, that friend without knowing that his account was hacked I sent the gift cards to him via E mail. Google Play Cards. Six {$50.00} cards in the amount of {$300.00} I have contacted google about this and they will not help me. I am very upset! 
My name is XXXX XXXX Please leave me a message regarding this My phone number is ( XXXX ) XXXX My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX lease ended last summer in XXXXXXXX XXXX XXXX. I made all of my payments on time and had no outstanding balance when I returned the automobile. Several days ago, XXXX XXXX started reporting a late payment, THREE QUARTERS OF A YEAR since the lease ended!!!! 

This information is FACIALLY FALSE and costing me $ XXXX per day on a significant purchase that is impacting my business so I can not afford to wait for a so-called " reinvestigation '' by the furnisher. In fact, facially false data is subject to EXPEDITED dispute resolution procedures and you have my phone number so CALL me IMMEDIATELY to resolve this and notify me that you are, in fact, deleting the item of information called XXXXXXXX XXXX starting in XXXX and confirming it will not be reinserted until maximally accurate!
Product: Credit reporting or other personal consumer reports

I am writing to formally request that XXXX, XXXX, Transunion, ( collectively, the ( Consumer Reporting Agencies '' ) cease sharing my personal information with any third parties, including furnishers of information to credit agencies, without my express written consent. 


Statutory Basis : My request is based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations : 15 U.S.C. 1681 ( a ) : This section emphasizes the need for credit reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy. 
15 U.S.C. 16801 : This section declares the Congressional policy that financial institutions must respect customer privacy and protect the confidentiality of nonpublic personal information.

15 U.S.C. 1681 ( b ) and 1684 ( a ) ( 2 ) : These sections limit the circumstances under which credit reports can be furnished, requiring either written consumer consent or specific legal authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits credit reports from containing certain adverse information, including outdated criminal records.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits furnishers from reporting inaccurate information to credit reporting agencies.

15 U.S.C. 1681 ( e ) : This section requires credit reporting agencies to maintain reasonable procedures to prevent violations of the FCRA.

12 C.F.R. 1016.7 : This regulation allows consumers to opt out of receiving credit reports at any time. 


Specific Concerns : Sharing of Information Without Consent : I have not provided any written or verbal consent for the Credit Reporting Agencies to share my personal information with any third party, including furnishers of information to credit agencies. 
Reporting of Adverse Item : The report contains an adverse item that is being reported again without my permission. This violates 15 U.S.C. 1681c ( a ) ( 5 ) if the item is outdated or inaccurate. 
Lack of Nondisclosure Option : I was not informed of my right to opt out of having my information shared with furnishers, as required by 15 U.S.C. 16802 ( b ) ( c ). 

Requested Actions : Therefore, I request that the Credit Reporting Agencies take the following actions immediately : Cease sharing my personal information with any third party, including furnishers of information to credit agencies, without my express written consent. 
Remove the outdated or inaccurate adverse item from my credit reports. 
Provide me with information regarding my right to opt out of having my information shared with furnishers in the future. 
I am enclosing copies of my credit reports and any relevant documentation supporting my claims. Please confirm receipt of this letter and outline the steps you will take to address my concerns. I reserve all further rights and remedies available under the FCRA and applicable laws. XXXX and XXXX do not maintain reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 
Thank you for your prompt attention to this matter.
Product: Debt collection

One Main Financial contacted my husband 's cell phone advising that they were trying to reach me for an important business matter. My husband, who when I signed my loan documents was only my boyfriend, is not associated with the loan or account at all. When I provided his phone number, it was under the pretense that he was a reference to validate the information I provided in order to obtain the loan. One Main Financial has called my cellphone 3 times a day, every day, leaving 1-2 voicemails a day to collect on a debt which is in direct violation of TCPA. They do not have permission to call my cell phone, or any known contact 's cell phone, to collect on a debt. They are falsely stating that they are calling my references in order to obtain a valid mailing address for me. I currently have my mail forwarded to my new house, so it is false that they do not have a valid address. They are in violation of FDCPA by calling me numerous times a day and leaving a voicemail each time. I have blocked their phone numbers ( four different ones ) and they now call blocking their number so that they can still get through to leave a voicemail. I would like to report them for their abusive tacticts, calling unauthorized parties about me, and for calling cell phone numbers without written consent. I verbally advised One Main Financial on XXXX XXXX, XXXX at XXXX that they do not have authorization to call mine or my husband 's cell phone and advised them of their regulatory violations. The woman raised her voice, spoke over me, and advised they will continue to call any number I provided including my references, regardless of the number being a cell phone.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts consist of student loans opened at XXXX OF XXXX on the following dates under the corresponding account numbers : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), and XX/XX/XXXX ( XXXX and XXXX ). Additionally, there is a fraudulent hard inquiry from XXXX Bank dated XX/XX/XXXX. These fraudulent accounts and inquiries have resulted in several hard inquiries and collections appearing on my consumer XXXX credit report. I demand that these fraudulent items be removed from all my consumer credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

Freedom Mortgage recently bought my mortgage from another company and I have had no past issues. In XXXX I attempted to pay my mortgage for XXXX. Apparently I typed a number in wrong and the payment was reversed. So the week of XXXX XXXX I submitted another payment for XXXX which cleared my partner 's checking account. I have bank statements that demonstrate this. 

In the first week of XXXX I had attempted to make an payment and again they said there was an account number discrepancy and payment reversal for XXXX. Additionally, suddenly they said on XX/XX/XXXX the payments for XXXX and XXXX were reversed. Mind you my payment for XXXX had already cleared my account a month ago. They both added a {$78.00} fee and said my account was delinquent. Both of which are false because again I have a bank statement showing a cleared XXXX payment. This was never reflected on my payment and interest history tab on the Freedom Mortgage website. 

By this time I was beginning to doubt Freedom Mortgage 's online payment system for good reason. I called in my mortgage payment via phone directly to freedom mortgage. ( I recorded all of the calls ). The payment cleared. 

I have a number of recorded calls, bank statements, and emails that verify what I am saying. When I emailed Freedom Mortgage they said my XXXX account never cleared ( again frustrating because it is untrue ) and then suddenly said a payment of double my mortgage cleared in XXXX. This is just a blatant falsehood. There is a bank statement with a cleared payment in XXXX ( for XXXX ) and a bank statement with a cleared payment in XXXX ( for XXXX ). The email was a lie based on bank documents. They attempted to call me delinquent and I still have not received a refund of the late charge of {$77.00} or {$78.00} they took after my payment had already cleared my bank. 

It is a nightmare to deal with. When you send them your bank statement they refuse to correct your payment history. They reply with false statements about when you paid. It is maddening, because I can prove they are untrue. This company is at worst dealing in deliberate bad faith with customers and at best a completely incompetent mess. Avoid this company if you have the choice.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My credit card got unauthorized use about {$1800.00} on XXXX/XXXX/16 and I found it by myself at the end of XXXX. It looked a typical fraud case through non existing website and described as I spend purchasing a service, not products. Normally, this kind of suspicious spending is found by credit card company by monitoring my usage but they did not. I called the credit card company to dispute the amount and once they credited the amount. But after a month later, they reapplied the amount to me after their investigation. I do n't understand the result. Because initial purchasing was done in Florida and credit card transaction was done though a processing company in XXXX XXXX. They gave me a report to show purchasing IP address but it was not mine and even not in XXXX XXXX where I live/work in. A couple of days later from I received the report from the credit card company, I received a letter from XXXX, a computer company. I have purchased a tablet through their official online shop. They said that they had been hacked ( attacked ) by a third party and lost customers information including credit card numbers, addresses names etc. I used that credit card to purchase and the date of purchase was impact exactly XXXX got attacked. I have written a letter to explain the situation to the credit card company attached XXXX letter and asked again to dispute the amount they reapplied. It has been more than a month but the credit card company does not reply me and they keep quiet but putting the amount on my account with APR. I have paid the amount I spent but I have not paid the amount unauthorized use because it is not my responsibility. I am 100 % innocent, I have never used that big amount though internet. Now I have no idea what I should do and who I can ask to help or resolve this problem. I really need your help.
Product: Debt collection

National Recovery Agency, XXXX XXXX XXXX, XXXX, PA-XXXX asked me to pay a debt of XXXX XXXX XXXX-XXXX bill of {$1600.00} ( NRA ID # XXXX ) which I did not owe as XXXX XXXX XXXX-XXXX did not file their claim with my insurance carrier XXXX XXXX XXXX  on time. I already mentioned this fact to them on XX/XX/XXXX but without my knowledge they WRONGFULLY, UNJUSTLY, UNFAIRLY put it on my credit as 'PLACED FOR COLLECTION ' FOR NO REASON! 
I filed complaint with CFPB on XX/XX/XXXX ( CFPB Ref. # XXXX ) and N.R.A. responded on XX/XX/XXXX but as of today XX/XX/XXXX they keep dragging it and did not resolve the issue yet. They are the one who inserted negative item on my credit for no reason and they are the one who should remove it. It is their fault so they MUST remove it.
Product: Mortgage

Since XX/XX/2022, the interest rate of the line of credit has increased from 3.75 % up to 8 % in barely 4 months. I have requested a copy of the note in multiple occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never received the Note. The first two times, Specialized Loan Servicing stated that they had sent the requested information by regular mail, and if USPS never delivered the document, that situation was out of their control. However, on XX/XX/XXXX, a customer service representative named XXXX confirmed that the Note would be sent via email by XX/XX/XXXX. Today, it is XX/XX/XXXX, and I have not received the copy of the Note that I have requested 4 times. I am entitled to have a copy of this document with a clear explanation of why the interest rate has increase almost twice since XXXX. Specialize Loan Servicing has an obligation with the borrowers to provide the Note. Please investigate the questionable practices of the company, hiding information and delaying the delivery of this important document
Product: Credit card or prepaid card

They are constantly locking my prepaid card claiming its fraud then putting a person on the line that doesn't speak English
Product: Credit reporting or other personal consumer reports

am writing to formally request your assistance in correcting inaccurate information that is being improperly reported on my credit report. Despite my efforts to resolve this issue with the credit reporting agencies and the original furnisher of the information, the inaccuracies remain and are negatively impacting my credit profile. Details of the Dispute : XXXX XXXX XXXX XXXX : [ XXXX, Experian, TransUnion ] Incorrect Information Being Reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate data. The failure of [ credit bureau/furnishers name ] to correct this information constitutes a violation of federal law. Requested Resolution : I kindly request that the CFPB : 1. Investigate this matter and ensure that the credit bureaus and/or furnisher comply with federal laws. 2. Require the removal or correction of the inaccurate information. 3. Ensure that I receive an updated copy of my corrected credit report. I have attached supporting documents, including my dispute letters, responses from credit bureaus, and any relevant account statements. I appreciate your prompt attention to this matter, as these inaccuracies are affecting my financial stability. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that XXXX ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX