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

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX
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. 

Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

I'm never late. The Bank  agreed to update these accounts due to a family tragedy. Please update these accounts ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please correct.
Product: Mortgage

I applied directly to my current mortgage lender for a HELOC. As soon as I complete the application, I received a text message to set up a call to discuss the application. Today ( XX/XX/year> ) when they call, they talked very quickly and I had to ask several times to identify themselves. They wanted to jump right into my credit history and the man ( XXXX? ) says that I have another hard inquiry to pull out money. This was the first red flag as I was thinking to myself that this information was in my application for the HELOC. I ask again if they are with XXXX XXXX  which is when I finally get a straight answer that they are a company that compares rates, called Mortgage One and they work with the top XXXX lenders. I asked how they got my information and what enabled them to run my credit report as I applied directly to XXXX. XXXX refused to answer and kept repeating that the company works with the top XXXX lenders ; he kept suggesting a complete refinance. After repeatedly asking several times how they got my information, I hung up. I replied back to the text chain that I would be reporting them for fraud. XXXX text, they still did not answer my question and said they received a " general inquiry. '' I never inquired with any company or online except with XXXX XXXX directly. I reviewed my disclosures again with XXXX ; there is nothing pertaining to Mortgage One. What I find most concerning though is that they ran my credit report without my consent. This is a violation.
Product: Credit reporting or other personal consumer reports

Please provide a 1099 c cancellation of debt overstock sold this account to midland credit this account has been charged off. IRS regulations 6050 p requires any debt over XXXX dollars send 1099c income doesnt get reported on credit report this debt was not paid it was charged off and I need 1098 c so I can report income on my tax return. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Bank of America, through XXXX, has caused to be sold a zero balance debt as represented in their XXXX, XXXX, XXXX and XXXX XXXX, XXXX letters to me. This sale has caused the XXXX to believe the bank had the right, as a matter of law, to begin foreclosure and to sell the XXXX Deed of Trust. Furthermore, it is unclear if an actual sale transaction took place on or after XXXX XXXX, XXXX. Information as to how the sale of the XXXX Deed of Trust was transacted is currently unavailable to me, but may be had through discovery if and when any related litigation commences. 

The XXXX has trespassed upon my property due to the mistaken belief they have lawfully purchased the property. This I untrue for several reasons to include, but are not limited to, the Trustee 's Sale and subsequent purchase, I any, involved any possible debt that may be associated with the subject Deed of Trust, not necessarily the real property or title thereto, and the purchase of a debt does not automatically entitle the purchaser to collect the debt through the the property or rents received or entitled to from the property. 

In XXXX XXXX I was able to borrow money to purchase real estate to be used a my primary residence without using the subject property as collateral to secure the loan ( a signature loan ). There is no UCC Financing Statement or Assignment of Rents issued or held by Bank of America. These facts are important as it changes the circumstances of any default and sale upon default. This loan is also XXXX HAMP modified which places additional requirements on the loan related to the servicing and handling to include, but are not limited to, the continued issuance of a monthly installment statement with payment coupon, continued payment of all property taxes and insurances made on my behalf with proof thereof, and on going communication between the bank, their representatives, and third party agents, if applicable, and myself. 

It should be noted I have had multiple incidents of trespassing and peeping tom incidents upon my property before and after the Trustee 's Sale of XXXX XXXX, XXXX by folks representing themselves as owners of my home and property with the latest occurring on XXXX XXXX, XXXX. Just to be clear, I consider trespassing to be when one enters onto private property not belonging to them, as a matter of law, without announcing themselves immediately upon entry, or refuses to leave after asked to remove themselves from the property. Both situations have occurred in this instance by those claiming ownership, or acting on behalf of those claiming ownership of my property. It is intolerable and not to be endured, and I should not have to be subjected to this type of carrying on due to the bank 's unwillingness to follow the rules during loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.
Product: Debt collection

The debt or account XXXX from Armada Corp located at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX was paid back in XX/XX/year> via XXXX to the XXXX XXXXXXXX XXXX per the attached.
Product: Credit card

I called DISCOVER card to pay my balance in full with the interest included. I specifically told the representative on the phone that once my bill was with interest was paid in full that I did not want to be contacted in any way, not by mail, email, or phone calls. Discover clearly did not log my request down. I also told them that " I wanted my card account closed and my credit report to state '', " account closed by the consumer and all negative and late payments removed from my credit report. '' Despite all my request to DISCOVER card I am still receiving letters in the mail stating that I own them {$150.00}. The letter balance has me paying {$7500.00} but they stated I only paid {$7400.00} in the current balance so they can continue to harass me for money and try to nickel and dime me for more money. I want the harassing letters, email, and phone calls to stop. I also told the Discover card representative to delete my personnel and bank information since my account is closed with them and there is no need to have that anymore. DISCOVER card told me that they would not only be keeping my personnel information but they well be storing it for sometime to do what ever they want to do with my info.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a {$300.00} down payment for parts and services to XXXX XXXX XXXX through Cash App. ( Square , Inc ). On XX/XX/XXXX I sent another {$120.00} to her boyfriend ( XXXX XXXX ). After weeks, then months of being lied to and misled, I filed a complaint with Cash app support on XX/XX/XXXX. They responded with sympathy and asked that I contact my bank and they would work directly with them to resolve the issue. My bank is another issue, but they did open a case for one of the transactions. My bank did inform me that the transactions are out of their time frame for a ruling in my favor. I right away ( XX/XX/XXXX ) contacted Cash app to discover they closed the case because they hadn't heard from me. They reopened the case and I went through the steps to reinitiate the complaint and they responded with and email saying my Cash App account is closed and I can no longer send or receive payments. I responded to the email asking how are the two crooks being held accountable, but they have ignored me. Can you please help me. I also sent money through XXXX to these crooks and they have already credited my account. Appreciated your time and consideration.
Product: Credit reporting or other personal consumer reports

Subject : Final Demand for Verification and Proof of Charge-Off Dates for Disputed Accounts Dear TransUnion, I am writing regarding my ongoing disputes about the inaccurate reporting of two accounts on my credit report : XXXX XXXX XXXX  XXXX Account No. ending XXXX ) XXXX XXXX XXXX ( Account No. ending XXXX ) To date, I have provided documentation showing that settlements were made on these accounts prior to the reported charge-off dates. Your responses to both my direct inquiries and my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) have failed to address my specific concerns. 

Your failure to provide adequate documented proof of the charge-off dates and validate your reporting violates my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 
Account name : XXXX Account XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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: Money transfer, virtual currency, or money service

Used Venmo to transfer XXXX, was double charged. Second charge did not go to the other person, nor did it show up on my Venmo   statement. Venmo  charged two distinct transactions with different transaction numbers, but only one was authorized. Money hasn't been returned for five days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. Experian, XXXX and XXXX all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX amount of {$15000.00}. XXXX XXXX XXXX account number XXXX XXXX XXXXXX/XX/XXXX amount {$220.00}. XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX - XXXX account number XXXX amount {$230.00}. XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX account number XXXX XXXX XX/XX/XXXX amount {$160.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX in the amount of {$470.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX amount {$100.00}. XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX. There are also XXXX inquiries on my 3 credit reports. XXXX, Experian, and XXXX have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company Lowes on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both XXXX and Lowes several times by phone, and certified mail. this issue was ignored
Product: Money transfer, virtual currency, or money service

Your new policy makes it so I can noy connect mu account to XXXX which I need to get my child a debt card with them.
Product: Mortgage

On XX/XX/XXXX I received a letter from XXXX XXXX representing XXXX XXXX. Stating that we owed a debt from XXXX. Original loan in the amount of {$57000.00} and as of XX/XX/XXXX that I owed {$100000.00}. I had not known of this debt all these years as I have never been sent a monthly bill, a delinquent bill, collections or any form of communication until all these years later. I was never given a fair opportunity to pay on this debt over 17 years and now Im hit with over {$40000.00} in interest for a loan that was supposedly bought a year ago. Im being threatened with foreclosure and this just doesnt seem to be right.
Product: Debt collection

I went to emergency room in XXXX for treatment and I had insurance. Left hospital after treatment. Years later XXXX started getting letter and phone calls from collection agency about hospital bill from an emergency room doctor bill from XXXX XXXX XXXX XXXX XXXX, they supplied the emergency room doctor and turned it over to a collection agency called Credence out of XXXX Texas. XXXX  of the collection agents did a XXXX  way call with my insurance company and the collection agent learned that the emergency room doctor group forgot to fill with insurance company so they did at that time like 18 months later. Of course insurance denied it since it was over the year allowed by law and my insurance company sent me a letter that they denied the claim since it was not filed within 365 days of service and said neither they, the insurance nor I were liable for the bill by law. I faxed all paperwork to credence the collection company. Now in XXXX another collection company called XXXX XXXX XXXX has it called me and sent a letter. I called the original emergency room doctor group they wont pull the claim away from the new collection agency. So it keeps being passed to collection agencies when will this stop. No one is liable for this debt. The new collection agency is rude and threatened to out it on my credit. When will this go away!
Product: Mortgage

In 2013 we finally, after almost 5 years, got a modification from Chase Bank. During that period we were regularly sent letters basically threatening us with foreclosure and put us through several trials. After receiving the modification, we were told by our representative that we would have a 2 %, {$230000.00}, 40 year modified mortgage. I ask several times if that was without any charges and XXXX XXXX said absolutely. I asked for a copy to be sent email, or fax, but he said he could n't do that and we would have to wait for the final papers. 
Upon receiving those papers we were shocked to XXXX an added on charge upon the sale of our home, or at the end of the mortgage, of {$89000.00}! They never explained the charge and we had a choice of sending the papers back within 10 days, or losing the loan. After all the stress and fear of the preceding years of not getting a loan, we signed the papers. Chase scammed us, knowing we would be afraid not to sign. 
Our desired resolution is to have the {$89000.00} waived. XXXX XXXX was the representative involved in our modification.
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, as they are all fraudulently opened by an imposter that has stolen my identity, and Experian refuses to ACKNOWLEDGE such, and will be sued in FEDERAL COURT! I asked Experian to reinvestigate these accounts : XXXX  {$3700.00} XXXX XXXX XXXX {$6700.00} & XXXX  {$0.00} XXXX However, Experian stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? These accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case. All These accounts are Fraudulent, and I want them ALL DELETED Immediately!!