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

I don t consent of your bogus and misleading investigation and allegations against my person. 

I am writing to demand a re investigation which must be completed with in 15 days. The fallowing are the FCRA violations that you currently hold. This will be my last letter before I take legal action against Transunion. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. 

15USC 1681 a ( 3 ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained dire from a creditor of the consumer or from the consumer. 

Also : USC 1681a. Definitions ; rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So please tell me which friend or family members verified the fallowing accounts as per your dispute response : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX Account : XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX A few more violations and charges I will bring against you are but not limited too : 18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am really looking forward to getting this fixed soon with our litigation as I am tired of this back and forth and Transunion continues to lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, 2022 Amount : {$110.00} Actions : Disputed the collection with the 3 major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account with XXXX, Experian and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and XXXX ) and XXXX XXXX ( Experian ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate report.
Product: Credit reporting or other personal consumer reports

Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the XXXX credit bureaus, and I request an investigation and correction of these discrepancies. 
*Disputed Account Information : * - Creditor : XXXX - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file.

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.
Product: Debt collection

XXXX placed an account on my credit file and I have no idea who the company is. They then sold my debt to a XXXX XXXX collector XXXX XXXX XXXX who are apparently in XXXX XXXX  XXXX I do not live or have I ever resided in XXXX. They also continue to call me and has threatened me with a lawsuit to try and obtain the funds. 
I do not have any idea who these people are and they provided a stack of papers with everything on their saying redacted so no real information was provided it also has a none written but an electronic printed signature which is not mine. I am not familiar with this company and who they are but they continue to XXXX me. 
Not to mention they tried to sue and I am in a completely different State so they are implementing scare tactics, without providing any real valid information.
Product: Debt or credit management

I pay XXXX to manage my ( XXXX ) XXXX XXXX XXXX XXXX XXXX. These were credit cards I had. The company negotiated a lower interest rate. I pay the company ( greenpath ) a fee to manage. I have been in this program with these XXXX cards for more than 2 months. On my credit report today it says for XXXX that I am 30 days late on payments. My credit score dropped XXXX points!!!!!! 
XXXX XXXXXXXX XXXX did NOT pay XXXX XXXX XXXX. XXXX XXXX XXXX bank lied to credit agencies saying they did not receive My goal was to raise my credit with this company ; now they have ruined my credit and screwed up my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, IC SYSTEM, a Collection agency, did not contact me prior to submitting my information to Credit Bureau or to inform me of my account in their agency. 

I was not aware of the pending complaint until I received an alert from my credit bureau dated XX/XX/XXXX. I then proceeded to get the contact information from the credit bureau to be able to contact them. I called IC System on XX/XX/2021, and requested them to send the information on file. I finally received a Validation letter on XX/XX/2021. 

After several phone calls, I came to find out I was not aware and not informed of my collection status. 

The damage on my Credit report made me lose a position on the last process of hiring and also an opportunity to refinance my loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

DISCOVERBANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX On XX/XX/XXXX XXXX XXXX began a recurring charge of my Apple account for {$9.00} on the XXXX of every month. On or about XX/XX/XXXX I noticed my account had been incurring this unauthorized monthly charge of {$9.00} by XXXX XXXX and contacted Apple Support. On XX/XX/XXXX I was credited for the 5 months of unauthorized transactions XXXX XXXX remitted through Apple Pay between XX/XX/XXXX and XX/XX/XXXX. 

Although I had reported this account/card compromise by XXXX XXXX in XX/XX/XXXX, the same transaction continued to be processed to my account on XX/XX/XXXX through XX/XX/XXXX which I again reported to Apple Support on or about XX/XX/XXXX. On XX/XX/XXXX I was credited {$9.00} for the XX/XX/XXXX unauthorized XXXX XXXX transaction. 
At this time, I believe I was issued a new titanium card and advised to change my Apple password. 

Again, although I had reported this XXXX XXXX compromise of my account in XX/XX/XXXX, the recurring automatic XXXX XXXX debits continued to post to my account from XX/XX/XXXX through XX/XX/XXXX. On or about XX/XX/XXXX I again contacted Apple Support and received 4 more credits for {$9.00} for those unauthorized debits. On XX/XX/XXXX I received XXXX emails ( Dispute Case # XXXX XXXX, XXXX, XXXX, XXXX ) notifying me that the credits I had received for the debits incurred between XX/XX/XXXX an XX/XX/XXXX would be reversed because the investigation had confirmed I had authorized the transactions. Confirmation of such an authorization is impossible because I have NEVER authorized a recurring transaction for {$9.00} with XXXX XXXX. At this time, my titanium card was cancelled and I was sent a new virtual card number for Apple Pay to my Wallet. In spite of that, I was charged AGAIN for unauthorized XXXX XXXX charges on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted Apple Support AGAIN. 

I have no relationship with XXXX XXXX. Upon researching XXXX XXXX, this is a known scam being perpetrated on unsuspecting cardholders. Goldman Sachs and/or Apple should be addressing this scam with XXXX. Obviously, the unauthorized charges are being credited to XXXX XXXX which means someone at XXXX or the company itself is receiving ill-gotten gains from these transactions. 

I removed my virtual Apple card from my Wallet to discontinue my use of XXXX. This should NOT be the solution to avoiding these unauthorized charges. I believe part of the problem is Apple Pay 's use of a titanium physical card and a virtual card that have different card details for authorizing transactions. To address fraud, the consumer must understand the difference and the average person will not.
Product: Money transfer, virtual currency, or money service

I am not able to get into my Bakkt account. I have reached out repeatedly to be allowed in XXXX time and not again the next time. This is very frustrating. I am allowed to put money in the account. To buy cryptocurrency and add reward points as well as gift cards but when I go to enter account again it says my device is not safe. This is very irritating. Let me in my XXXX account
Product: Credit card or prepaid card

XX/XX/XXXX : two charges appear on my capital one credit card statement -- both at XXXX XXXX on XXXX XXXX XXXX in XXXX, one for {$590.00} and another for {$270.00}. 
- I report fraud that same day, locking the credit card, and admitting to the capital one customer service representative that the card was perhaps not on my person, thinking that it may have been stolen. 
- later that day I find my card in my house and know that there is no way it was also present at the XXXX XXXX at XXXX XXXX ( I have never stepped foot in that store ). 

XX/XX/XXXX : both charges are refunded to my credit card account while capital one considers my fraud claim. 

I am issued a new credit card, get it in the mail XX/XX/XXXX, and am in possession of both the old ( canceled ) card and the new card. 

XX/XX/XXXX : both charges are once again charged to my account. 

XX/XX/XXXX : I notice the charges and call capital one to follow up. I am told in a roundabout way that my claim was denied because the chip was present at the store at the time of the transaction. Implying that either I myself made the transaction, or someone stole/borrowed my card and then returned it to my house in order to make the purchases. I lock the currently active card. 

XX/XX/XXXX : I attempt to call capital one again and sort this out. I am told there is nothing they can do and that I will be responsible for the charge. 

XX/XX/XXXX : I call XXXX XXXX customer service, am connected to the XXXX   XXXX XXXX location and am connected back to customer service after speaking to 4 different people. No one can give me transaction numbers or confirm that the card was present at time of purchase. No one can give me an itemized receipt, tell me what items were charged, or give me SKU numbers or any other information about the purchases. 
-- I also receive a letter XX/XX/XXXX from capital one stating that the fraud investigation revealed no evidence of fraud. I did not receive any other notification of this, only a letter ( attached ). 
-- I am now filing a complaint with FTC on this website and plan to report to local law enforcement tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, anXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.
Product: Debt collection

I am in the process of fixing my credit from fraudulent transactions. I spoke to XXXX XXXX at RISE Credit and disputed a charge off of a debt that went to a collection agency without my knowledge. After checking XXXX XXXX and XXXX I noticed that a loan had negatively impacted my credit. That is what sparked the initiative to ask and resolve the issues surrounding this company.
Product: Mortgage

On XXXX XXXX, 2015, I submitted a complaint against Nationstar to the CFPB, case number XXXX. The CFPB received the response on XXXX XXXX, 2015, where Nationstar admitted they were overcharging me due to using incorrect FHAMIP amounts in their calculations ( overcharging me by over {$2500.00} per year ). In their letter, they stated my monthly payments should be {$3300.00} instead of the {$3500.00} they were requiring starting XXXX XXXX, 2015. 

I filed another CFPB complaint today ( case number XXXX ), XXXX XXXX, 2015, because the {$3300.00} they claim I owe in their response is still incorrect. They erroneously double paid my homeowners/hazard insurance in the amount of {$1400.00} each time. This is causing inflated escrow analysis, wrongful charging of a " cushion shortage spread, '' plus increased base escrow payments each month. 

One hour after submitting case number XXXX today, I received a letter from Nationstar letter claiming my loan was in DEFAULT. Although I was forced to pay the XXXX payment late because I did not budget for Nationstar 's wrongful overcharging, I managed to send them {$3500.00} which cleared my checking account on XXXX XXXX, 2015. I immediately called them. I spent yet another hour and ten minutes trying to get it resolved. I was finally transferred to customer service representative XXXX XXXX. He confirmed that my {$3500.00} payment was received on XX/XX/2015. but that it was placed in a " suspense account '' because it was not enough. He confirmed that the payment was not applied to my account until XXXX XXXX, 2015 AND RESULTED IN NEGATIVE CREDIT REPORTING TO XXXX BUREAUS!!! They did all of this even though they KNEW there was research and potential errors and a CFPB complaint response pending!!! Even using their own over-calculations, they had {$130.00} MORE THAN THEY WERE OWED, refused to apply the funds they possessed, then turned around and reported me late. XXXX then told me that they could not correct their wrongful credit reporting for up to 30 days! This is absolutely unacceptable. What happened to FAIR CREDIT REPORTING? At this point, there must be alphabet soup of all of the regulations they must have violated. Please help me STOP THIS MADNESS.
Product: Credit card or prepaid card

I paid {$2000.00} of my Paypal Mastercard XX/XX/2018. While the card issuer accepts this, as of XX/XX/2018 the amount has not been applied and I'm told it takes 7 days. This is an unnecessarily long delay since the money has been paid by my bank XX/XX/2018 and results in the bank/credit card company holding {$2000.00} interest-free and denying my use of the funds with my credit card because they keep it unavailable.
Product: Credit reporting or other personal consumer reports

Hello how you doing name is XXXX XXXX. I'm writing you today i seen that this alleged charge off collection account was reported to my profile without any type of written consent according to XXXX XXXX XXXX XXXX permissible purpose. I demand that the company show me any type of letter has giving them permission to provide to my credit profile they had fail to due so. I demand you to delete this off my profile in the next 4 days. XXXX XXXX code XXXX permissible purposes of consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates.
Product: Credit reporting

Equifax deleted then re-inserted a collection account that is not mine. 

Please see former complaint. I will copy and paste the info for your review. 

Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX account XXXX has been deleted from the credit file. Written confirmation has been mailed. 
Relief XXXX account for XXXX XXXX XXXX has been deleted from the credit file per the credit grantor. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2100.00}
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. also states I have the right to privacy. 

Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct XXXX XXXX, Account name : XXXX acct # XXXX Account name : XXXX XXXX acct # XXXX Account name XXXX XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name XXXX XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX has violated my rights. 


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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX : {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX Reported : XXXX XXXX XXXX  {$1100.00} Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX