23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the XXXX business day time frame of reporting the debt on XX/XX/XXXX. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' XXXX, XXXX, and Equifax have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with XXXX, XXXX, and Equifax. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with XXXX and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 
XXXX is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( XXXX ) '' across all 3 consumer credit agencies : XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX XXXX ( inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX ( Inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX ( inaccurate balance and/or missing the cents XXXX XXXX XXXX XXXX  ( inaccurate balance and/or missing the cents ) XXXX, XXXX and Equifax MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to XXXX, XXXX, and Equifax 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my business.
Product: Credit reporting or other personal consumer reports

INACCURATE REPORTING XXXX, Experian, and XXXX are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. In the comments section failing to mark the account is being Disputed after receiving dispute letters. 


INACCURATE ACCOUNTS BEING REPORTED XXXX XXXX Acct # XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I financed a vehicle back in XX/XX/year>. From XXXX XXXX XXXX. 
They ran my credit about 12 times to different financial accounts to approve my loan. XXXX XXXX  approved us. All other inquiries I did not consent to. 
I tried dealing with the dealership but they keep putting me on hold and many excuses to not help me out. 
I keep trying to apply for credit cards and it seems my hard inquiries are affect me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I submitted to XXXX, Transunion and XXXX regarding inaccuracies on my credit report. I have not received a satisfactory resolution, and the inaccuracies remain on my report. 

I am now seeking the intervention of the Consumer Financial Protection Bureau to ensure my rights are protected and that my credit report is accurate. Here 's the details of the disputed Items : XXXX : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXX Incorrect Name : XXXX XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Enclosed are copies of the following documents and XXXX : Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX Incorrect Previous Address XXXX - XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX Incorrect Name : XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are XXXX Collections that are being challenged XXXX - XXXX XXXX  XXXX - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Transunion : Listed below are the Personal Information that are being XXXX Employer - XXXXXXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXXXXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX  XXXX - XXXX
Product: Credit card or prepaid card

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( Brently ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You AreDissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). 

For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX XXXX XXXX. My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. 

On XX/XX/XXXX the front doorhad set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Product: Credit reporting, credit repair services, or other personal consumer reports

Choice Recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$280.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Choice Recovery failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Choice Recovery and Im demanding them to remove the collection account from my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Act ( EFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score recently went down XXXX points and the only derogatory item noted that changed is " Lack of Use of Credit Cards. '' My credit card usage is XXXX XXXX  after paying off all of my credit cards last year. I contacted Experian to inquire, and was told that they are not a licensed credit advisor, so they could not answer my question. XXXX for not using my credit cards seems like alot. How much would my credit score go down if I missed a payment? Additionally, I have a derogatory notation for length of credit history. My credit history is XXXX years. I am not sure how long is considered acceptable, but I would think XXXX decades are quite a long time. 
I guess my issue is if the credit bureau 's can't explain why someone's credit rating decreased dramatically, who can? They control the credit report.
Product: Debt collection

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. 

XXXX XXXX XXXX XXXX XXXX  Account # XXXX 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 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/22, I received an email notification from First Citizens bank of a checking and savings account opening I did not request or authorize. Per the email, the checking account ending XXXX and savings account ending XXXX. I promptly called and spoke with their fraud department and advised I have been a victim of Id theft in the past and I do have fraud alert on my credit file. They told me the accounts would be closed as fraud ; however, on XX/XX/22 received an email alert today from their bank that my monthly statement is available for view. I have XXXX confidence that the bank took appropriate action to close the accounts. Why am I receiving email alerts for the accounts reported as fraud?
Product: Checking or savings account

I received unsolicited debit card and checkbooks from TD Bank.
Product: Debt collection

XXXX XXXX - XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, KY XXXX. Cost {$830.00}. Paid. PLEASE REMOVE XXXX XXXX - XXXX XXXX XXXX {$230.00}. PLEASE REMOVE XXXX XXXX XXXX {$44.00} - XXXX XXXX XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX, TN XXXX - PLEASE REMOVE XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 30 days late in XX/XX/XXXX, after you reported then 30 days late in XXXX XXXX? XXXX does not report this misinformation. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is updated to paid as agreed never late. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the 3 bureaus. You are to remove all late payments from this account or remove this account altogether within 21 days.
Product: Debt collection

I paid a debt on my credit report to Aargon Agency for a debt owed to XXXX in the amount of {$1700.00}. This transaction was conducted online and the funds deducted from my bank account on XX/XX/2017. Before paying the debt, I called and spoke with someone at Aargon Agency. We came to an agreement that the debt would be removed from my file if I paid in full on that day. After several disputes with XXXX, XXXX, and XXXX, the account has not been removed or updated. It is showing that I still owe the full amount.
Product: Checking or savings account

XX/XX/year> Cash App negative my account for {$27.00} at XXXX for XXXX XXXX pizza I had already purchased for {$28.00} at XXXX. Not only did they negative my account but they also took the {$4.00} my daughter send me Thursday!? " Ive never been able to overdraft " Why would my money just vanish??? Where did it go and i want it back due to unprofessionalism
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I paid the collection account XXXX XXXX XXXX. The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On XXXX and Experian a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on XXXX its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against Experian and XXXX for their failure to accurately report information related to my account with XXXXXXXX XXXX XXXX. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : Experian reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails to provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while Experian incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, XXXXXXXX XXXX XXXXXXXX has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and Experian, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.
Product: Mortgage

PennyMac refuses to accept fault for having my home ins cancelled and due to their deceptive behavior they added force placed ins to my loan! Im attaching screenshots of what my ins sent to them, this is the same ins policy Ive had for years!!!!! I have also asked them to contact me via email as I work when when they are open and they have refused to answer me via their secure channels! Oh they also claim they didnt pay my ins bc a primary name is listed however Im listed in the binder that was sent to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to communicate to experian, XXXX, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.
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 : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXlance : {$0.00}
Product: Debt collection

XXXX called me on XXXX @ XXXX, she asked for a man that was not me. I stated she had the wrong number and to please remove my number. She stated she was confused as the person had called from my number. I again told her she had the wrong number to please remove my phone number associated with the account she was calling on. She continued to tell me that her " lawyer '' gave her this number. I asked for her name told her not to call and hung up. She called again at XXXX. Once again I told her i just informed her to remove my number that this was the 2nd request. I hung up. She called again at XXXX and left a vm. Then she called my place of employment at XXXX. I told her i was recording the conversation and not to ever call my number again as I am not a party of the debt she is trying to collect. She stated I was not making payments and I explained I will never make payments as I do not owe them anything.
Product: Debt collection

I was a customer of USAA for several years. I went through a divorce in  XXXX  and with the loss of income, I was unable to pay my bills in a timely manner. I had a vehicle repossessed b y USAA an d I was responsible for the remaining balance after an auction and a credit card.     Unfortunately, this is where I do n't have a lot of details such as amounts, account numbers, etc. due to moving my home twice since. These debts were moved to a collection agency. I set up a settlement agreement with them and they withdrew {$250.00} a month from my account for I believe 36 months. This was to settle both accounts although I do n't know what amounts were being allocated toward repayment of those accounts. The last payment was withdrawn in  XXXX   XXXX .     In  XXXX   XXXX  I began to receive phone calls from a collection agency regarding this same debt. I advised it had been paid. I then contacte d USAA  directly and they told me that my years of payments were NOT a settlement but only payments toward the debt. I KNOW it was a settlement agreement. It was all I could afford after my divorce and after many conversations with that collection agency, it 's what we came to an agreement on and I made every payment faithfully. I kept my side of this agreement. I have copies of the payments to prove it from my bank.      USAA  disagrees and is now reporting these balances to my credit reports as 90+ days past due with interest accruing monthly.     This entire situation is in clear violation of the fair debt collection act and I need this resolved. These accounts are paid, albeit for less than the full amount, but they are paid. I nee d USAA to  update their information and report accurately to the credit bureaus so I can continue to rebuild my life. The delinquencies from the period of time I was repaying this is accurate and will remain on my credit report for 7 years, however, the debt is settled for both  USAA a ccounts.     Please, I need the CFPB 's assistance in helping me to resolve this as attempts on my own have fallen on deaf ears.