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

Please review all attached documents for specific dates and examples of trying to resolve this matter. 

I notified Navy Federal Credit Union that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, XXXX and XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. 

Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. 
The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. 

Navy Federal Credit Union is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall 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. ''
Product: Debt collection

Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.
Product: Credit reporting

XXXX XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Experian assisted XXXX by claiming they investigated this account and refused to remove it. 

I decided to go and do research through the XXXX state ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Debt collection

I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Oklahoma XXXX XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX, GA XXXX RE : Request letter to remove inaccurate information To whom it may concern : Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that your reporting is what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.

As a consumer report agency 15 USC 1681 ( a ) ( f ) you are governed by the Federal Credit Reporting Act, 15 USC 1681 et. seg. Which protects consumers from inaccurate, outdated and invalidated information reported to the consumer 's file. The FCRA states that the consumer reporting agency is responsible to ensure that all information contained within consumers files in the account is free of errors. Your company is regulated and engaged in the business of assembly, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 USC 1681a ( d ).

According to federal law, you are required to comply with requirements imposed under FCRA 15 1681, et. seg., including but not limited to : 1. Followed reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required in 15 USC 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. [ XXXX XXXX v. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ], breaking down the requirements 15 USC 1681 e, ( b ) and explaining that assure means to make sure or put certain, but beyond all doubts, maximum means the greatest in the highest degree of quality attainable and possible means somethings " failing with the bounds of what may be done, occur or to be conceived.

2. Comply with the investigation requirements as required 15 USC 1681 ( i ) 3. Should not provide consumer files to compare without determining that these companies had permission to obtain consumer file complaints pursuant to 15 USC 1681 ( b ) 4. Provide consumer file pursuant to 15 USC 1681 g, e.g. I have previously disputed, XXXX XXXX / Reference # XXXX, XXXX, XXXX, and XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. 

For your convenience, I am providing a list of the items that YOU has been verified as accurate : XXXX, Public Record, XXXX XXXX XXXX, Public Record, XXXX XXXX, Reference # XXXX XXXX, Public Record, XXXX XXXX, reference # XXXX I contacted the court and their response is enclosed. [ see attachment A ] It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ( I ) and the information must be deleted immediately. 


Thank you for your assistance with this matter. 



XXXX XXXX, XXXX.
Product: Debt collection

I took out a payday loan with Cash Call back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by XXXX, XXXX XXXX XXXX XXXX has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of XXXX XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used Cash Call due to it's predatory loan practices and high interest rates. Cash Call was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan.

I tried to settle with them for {$2500.00}, the original loan amount, but XXXX, XXXX Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote three credit bureaus, XXXX, Equifax and XXXX. I sent my disputes certified mail. None of these companies have responded.
Product: Debt collection

XX/XX/XXXX, {$900.00} AFNI , INC . 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX I've visited the website, but I've never signed up for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached documentation showing that the credit reporting agencies are violating my consumer rights, by reporting INACCURATE late payments on my report. Please see attached ; accounts are reporting 60days late in a 30 day time frame. Which is 100 percent inaccurate.
Product: Money transfer, virtual currency, or money service

I have used WesternUnion for several years. Since yesterday, I have tried to send money to pay for my land purchase & the customer service representatives ( XXXX , XXXX, & 2 others & verification ( XXXX XXXX XXXX XXXX have been giving me a hard time. They asked me personal questions. Requested copies of my passport, then cancel the transaction without any explanation. Not only is it frustrating its downright rude. They are falsely advertising!!! They advertise no fee in 1sXXXX transfer. By canceling, they can charge fee. My brother is the only one I trust to take care of my business. As a result if their action, theyre forcing me to lose the other money already deposited. Thus is ridiculous!! 
I received this message : Your money transfer couldn't be processed Hello XXXX , Your money transfer XXXX XXXX initiated on XXXX couldnt be processed. We regret the inconvenience caused. 

If your account was debited, you will receive a full refund in 5-7 working days. 

You are welcome to start a new transfer anytime : bulletpoint Try another payment method online. 
bulletpoint Visit one of our Agent locations to send money in person.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 3 late payments on an account that was not in fact paid on time the consumer reporting agency need to report all information with incomplete accuracy. This account has not been late on payment I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. And XX/XX/XXXX and XX/XX/XXXX and now I am requesting you to investigate and provide veritable proof with record showing that I had late pavement. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I dont recognize these accounts, delete XXXX *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX  XXXX
Product: Credit card or prepaid card

I kept being charged by both XXXX and XXXX even though I had cancelled both accounts with these companies and wasn't receiving services. Capital One refused to help me so I reported the card lost so that I would get a new card number. After I reported the card stolen and before I received the new card myself I was charged again by both companies in this account even though I couldn't have possibly given them my new card number as I didn't have it myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender Homepoint Financial incorrectly reported in XX/XX/2020 a late payment on my credit report. I have put in many dispute request and provided ample evidence to support this inaccurate reporting to the credit bureaus. Each time I put in a dispute, I rarely receive an outcome nor have I been contacted by a representative from Homepoint. I have placed multiple calls to Homepoint over the previous 6 months and each time I am either told I need to provide additional documentation in which has already been provided previously or told I will receive follow up in which never occurs. I have bank letters hand written and signed by my bank manager showing there were funds in my account at the time of the withdrawal in XX/XX/2020. Furthermore I have never had any negative reporting on my credit and always maintained a high credit score over 800. I have never been late paying Homepoint in my years having a mortgage through this company. This has drastically negatively impacted both my husband and I credit report and score. I am exhausted with this process and not sure who else to turn too regarding this matter. Thank you for your time and understanding. 
XXXX XXXX XXXX
Product: Debt collection

I was getting calls sometimes within XXXX minutes of each other through an automated system. They kept harassing me even though I am disputing the debt.
Product: Credit reporting

Incorrect information on credit report : Account status ( paid bill on time, account closed, etc. ) No proper investigations took place, despite requests for them dating to 2013.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), m the accounts listed in this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA Section 161S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids nowing the information is inaccurate. Lastly, 15 USCZ 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers rights to privacy along with accuracy. I demand the removal of the account ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate.

This is my 3rd attempt at having you delete this inaccurate information.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Account Number xxxxxx XXXX Balance {$13000.00} XXXX XXXX  Account Number XXXX XXXX Balance {$3000.00} XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$0.00} XXXX XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$700.00} XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Balance {$940.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on these accounts being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnishers of this information that the information has been modified or deleted from the file of the consumer. 
List of accounts to be deleted :
Product: Mortgage

Fay servicing XXXX XXXX has not made my payments via escrow acct to insurance company all while I was under the impression that they had this escrow acct and were doing so! They also have misapplied payments in an effort to foreclose upon my home! I requested to get my home reappraised since the value has greatly risen they denied this giving me incorrect information and immediately sent a person to my home onXXXX and or XX/XX/18 this was done after I got insurance on my own yet they still hold funds in escrow on the account I have asked for escrow funds to be returned to be due to their failure to pay home insurance! I have had head injury, many surgeries and have been laid off from my job recently!
Product: Credit reporting

My Name is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX, this agencies have given out erroneous information.My creit rate for loand etc has risen due to their false data.. please investiage thes agencies under my name.I thank you..
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information & Notice of Civil Liability for Negligence Dear, Experian, XXXX, XXXX I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which I believe has been reported negligently and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o.

Upon reviewing my credit report, I have identified that everything on my credit has inaccurate information According to the FCRA, credit reporting agencies and data furnishers are required to maintain accurate information and conduct a reasonable investigation when a dispute is filed. Failing to do so constitutes negligent non-compliance under 15 U.S.C. 1681o, which holds entities liable for actual damages suffered as a result of their negligence, including legal fees. 

I demand the following actions be taken immediately : 1. Conduct a reasonable investigation into the disputed item ( s ).

2. Provide me with all supporting documentation used to verify the accuracy of the reported information.

3. Remove or correct the inaccurate information within the legally required timeframe.

4. Provide me with a written confirmation of the results of your investigation.

Failure to comply with this request may result in legal action to recover damages for negligent non-compliance under 15 U.S.C. 1681o, including but not limited to, actual damages, attorneys fees, and court costs.

Please consider this letter as formal notice under the FCRA. I expect a response within XXXX  days, as required by law. You may send your reply to the address listed above. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Our vehicle was repossessed by the dealership ( XXXX XXXX ) who sold the car but not the lender ( Veros Credit ) who we financed with. The vehicle was repossessed on XXXX XXXX by the dealership who still have not report it with the police department which they were supposed to within 1-3 hours. We spoke to the lender around XXXX XXXX  on XX/XX/XXXX if they had repossessed the vehicle which they had claim there was no repossession order out on our vehicle and asked if we would like to make a payment. The dealership texted us stating they repossessed our vehicle because we made too many late payments but not missed payments. The lender had no idea that the vehicle was repossessed by the dealership until we call to question them about it. That's when Vero 's Credit marked it repossessed in their system. We make the monthly payments to the lender not the dealership. We have been trying to speak to them regarding this and getting our vehicle back every day since XXXX XXXX but the dealership ignores our calls while the lender keeps telling us to deal with the dealership only. XXXX XXXX  repossessed our vehicle wrongfully.