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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Recovering from a XXXX XXXXXXXX, my payment was eight days late. Now nine days late the company calls every hour from XXXX XXXXXXXX XXXX XXXX XXXX. When I answer, they hang up. Finally when someone talked to me they informed me that regardless of my health and the detriment to it I would continue to get calls. They are correct as it has continued today. I have made every attempt to help them understand I have no way to make the payment at this time or make a payment before my XXXX starts paying.
Product: Checking or savings account

Theres always an issue with the bank charges and unrecognized charges money dismiss unknown transaction, problem with deposit and withdrawal
Product: Debt collection

they have refused to contact me on XXXX occasions last attempt was XXXX. they are reporting a debt i do not owe, they are know for doing this, they are all over the internet ripoff reports.
Product: Debt collection

I have sent the attached documents to verify debt. Creditor has not provided. Also sent attached letter to all credit bureaus and TransUnion has been the only one to fail to respond and take action. XXXX never followed Fair Credit guidelines. Still not following.
Product: Mortgage

On XX/XX/2018 they received a complete application and onXX/XX/2018 they came to a decision that I was not eligible for a home retention loss mitigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Late Payments Request for Proof or Deletion Due to XXXX XXXX and XXXX XXXX Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear Equifax Representative , I am XXXX XXXX writing to formally dispute inaccurate information on my credit report concerning alleged late payments reported on my account. Please note that I have never been late on this account. I request that Equifax, as a credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. If you are unable to provide proof of the validity of these claims, I am requesting that you immediately delete these alleged late payments from my credit report. 
The following accounts contain erroneous late payment information reported by Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX I have included a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence that I have consistently made timely payments.

Under 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card as an open-ended consumer credit account unless they can prove the validity of the debt. Failure to provide such proof indicates that this information is inaccurate and must be removed from my report to comply with federal consumer protection laws. 
Please be advised that if these inaccurate late payments are not removed from my credit report, I will file formal complaints with both the XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau ( CFPB ) regarding your agencys failure to follow proper dispute procedures. 
I request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that Equifax block all negative accounts identified. I expect a resolution to this matter promptly as required by the Fair Credit Reporting Act ( FCRA ). Please confirm the results of your investigation in writing once it is completed. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX Email Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
Account Name : XXXX  XXXX ( Original Creditor : XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$18000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Money transfer, virtual currency, or money service

I was scammed from XXXX to XXXX via the blockchain wallets to the amount of 17 to 20 bitcoins. This is how it started : Please study the chart carefully and choose your best option so we can begin : Fund {$500.00} earn {$1500.00} Fund {$700.00} earn {$2400.00} Fund {$900.00} earn {$3500.00} Fund {$1000.00} earn {$4600.00} Fund {$2000.00} earn {$5700.00} Fund {$4000.00} earn {$6700.00} Your earnings are Instant within 12hrs Fund {$500.00} = {$1500.00} Instant within 12hrs and this money will be in bitcoins on to my blockchain wallet after 12 hours is that correct?? 
Your earnings are instant within 12hrs of mining. 
The good thing is that you can monitor the mining progress from wherever you are As a compensation to us, you will be requested to kindly pay us a token fee of 15 % of your total earnings after withdrawing XXXX! XXXX What that means I purchased those amounts and transferred to the wallets of blockchain.com which the scammers open for me and later said change your password. Than they keep asking me to purchase more bitcoins to amounts of {$100.00} to {$5000.00} dollars. And send those coins to those wallets where the coins will disappear to who knows where! Than they would have come as support managers to help me recover my losses and continue to ask for money to do that. 
That is in few lines explained the scope of this scam. 

I have all the relevant info to provide you from transaction history to wallets addresses to whats app conversation history with this scammers including print screens. 
This scam was orchestrated via XXXX XXXX and the blockchain.com wallets. 
Where the scammers would pretend they are blockchain employees like managers etc and they would have open wallet for me and later ask me to change the password. 

Inside at that time they had imported wallets with non spendable funds in it and on those amounts they scammed me asking me to put more and more money in order to make this funds spendable.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Rights being violated under 15 USC 6802 Please see the attached
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent these accounts has violated my rights Under_ 15 U.S.C 1681 section A. states I have the right to privacy.

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

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, 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-i ) promptly delete that item of information from the file of the consumer. or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

This company promised to delete items from my credit bureau files in return for payment in full on XXXX medical accounts. They promised to provide written documentation and electronically delete the items immediately. They never sent the deletion letters as promised and demanded I send a self addressed envelope fro a " second mailing '' per the company policy. I have received the letters for my records but the items remain on my credit files months after the agreement and payment.
Product: Debt collection

In XX/XX/2023, Amsher reported to Cfpb that they would be removing all tradelines from my credit report. As of XX/XX/, Amsher has failed to do so. I respectfully request intevention by Cfpb, Please refer to Amsher 's responding statement to Cfpb : " AmSher will request the account be removed from her credit reports. Be advised, this in no way suggests that XXXX considers the account to be invalid or inaccurate. Please allow up to sixty ( 60 ) days for each of the credit bureaus to update. Thank you for allowing AmSher an opportunity to address the consumers concern ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian open on XXXX the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1300.00} I provided the information over the phone do dispute this collection since the online dispute did not allow me to input the info myself. The investigation was completed in one day. I received and answer to the dispute on XXXX XXXX. I called Experian on XX/XX/XXXX and asked them about their investigation. They said they requested verification that this was my debt and that the collection company said this was my debt. I asked them do they not investigate or do they take the word of the collection agency. They said they are suppose to get verification from the collection agency but it was not in my file so they didn't receive anything. They said they would file a better dispute than the original one. This information is being taken over the phone by a person who does not speak very good english and does not understand me well. I did not want to be rude and ask for another person but i think this is a hinderance to the process
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a call from a restricted number. The caller identified themselves as a representative of XXXX XXXX XXXX. The CSR fabricated statements by indicating that he was calling mde because by most recent payment was short by {$5.00} of the minimum payment due. He'd asked me hope I was going to resolve the matter. I indicated that I had already scheduled a {$75.00} payment on the due date ( XX/XX/XXXX ) and he demanded that I make the payment at that time. Subsequently, (XX/XX/XXXX ) I received a letter in the mail stating that my credit limit was being reduced tl {$1100.00} despite the fact that there is still an available balance, I am unable to use my XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX  continues to damage my credit by reducing the credit limit on credit cards that are otherwise in good standings.
Product: Debt collection

There was a mistake made at XXXX XXXX and I worked with them to resolve it and they closed my acct. Then these collection agencies, Portfolio recovery associates started to threaten me and reported it to XXXX  who destroyed my credit rating. Now they say I need to get a credit card to help my credit score and try to get me to sign up for one or my credit will be destroyed! I checked it through XXXX XXXX and it goes down more each week. They also have a debt from XXXX XXXX XXXX which I told them was clearly not mine but they will not remove it. Someone, XXXX XXXX or XXXX gave out my phone number to these collectors and I get threatening calls 24 hours day. Portfolio Recovery told me they are coming to my house to seize property and even take my car and they don't care if XXXX XXXX closed the acct or not that they have the right to collect by any means necessary. XXXX XXXX is allowing these agencies to use their website hurt my credit which use to be XXXX and now in the 600 's. Nothing I say to them is working and I stopped answering all calls now because they have so many different numbers.
Product: Checking or savings account

I recently inquired before about my account being closed, and I got a response from citi executive team. The main issue is the funds left in the account, I was told by the team that I can walk in my nearest Branch with a third party to receive funds and when I proceed to do so, the Branch said they cant because there is a block on my account, I showed them the email sent to me by the citi executive team and they disregarded it because only the fraud team can approve whether I can access my funds. I called the fraud department and they arent helpful, they just hang up on me, and say the funds are going to be sent back to the issuer. And they wont put any note to let the branch release my money to me. This is MY money and I need it immediately. One person says I can go to the branch, another said I cant. I just need my funds as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem 1 : I have made several attempts to have Equifax # 1 remove incorrect information from my credit file, # 2 force Equifax to appropriately report on my file, and # 3 validate debts, and finally # 4 come into Metro 2  Compliance with ALL accounts on my credit file. Equifax always resolves any investigation that I request with " Debt Verified '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading one such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their ( XXXX XXXX ' ) office. How then, could Equifax have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated ( in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path Equifax has taken on every single dispute that I have submitted to them. I have attached the first 4 pages of the report Equifax sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance : XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX I have attempted to attach the copy of the letter the collection agency sent me ( XXXX XXXX XXXX stating the account is closed in their office ( Equifax sent it back as `` verified '' and refused to remove from my credit file ).
Even the account numbers listed are partial and incomplete account numbers.
Problem 2 : Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file  disputes with Equifax. On XX/XX/XXXX I called in to see why was it that my score dropped from XXXX ( dated XX/XX/XXXX ) to XXXX ( dated XX/XX/XXXX ) and was told by the following agents that it was because I had filed disputes : XXXX ( agent id # XXXX ), XXXX ( agent id # XXXX ), and supervisor XXXX ( agent id # XXXX ). To my knowledge filing a dispute does n't adversely affect your score. Why is Equifax punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and Metro 2? There were not any new activity that would cause my credit score to drop 98 pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes? Also, I have uploaded the latest letter that I have sent Equifax ( dated XX/XX/XXXX ) trying to get them to come into Metro 2 Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about Metro 2 Compliance to the.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I disputed a collection on my Transunion credit report from XXXX XXXX XXXX. I requested an investigation by Transunion. Upon waiting for Transunion investigation to be complete I also sent a validation letter directly to XXXX XXXX. Transunion completed their investigation on XX/XX/XXXX. The results were that the account was verified. I am questioning the verification for several reasons. What information was provided to validate the debt, who validated the debt? My reasons are is, I received a letter from XXXX XXXX XXXX on THEIR letter head with an account number and it also states the letter was assigned to them. The company did not provide any proof from the original Creditor stating they assigned the account to them. I also went as far as to contacting XXXX XXXX who assured me they did not assign an account with my information to a collection agency. I was told again to dispute it with the bureau. ( Transunion is the ONLY bureau reporting this bogus collection ) This account has not met the standards according to the FDCRA as proper validation. Anyone can type a letter and add numbers to it. They also were not able to provide a contact or anything with my signature on it. 
XXXX XXXX did not meet the burden of proof and Transunion failed to complete a through investigation according to FDCRA guidelines.
Product: Vehicle loan or lease

I am submitting this complaint without any influence from any third party or agency. Please see the attached documents as it contains my full requests.
Product: Debt collection

It still showing open and it supposed to be closed /showing in collection./ Ally financial, the vehicle was burned up, my ex wife had it done XXXX..so she is liable for this
Product: Debt collection

I have disputed this debt with fair collection and outsource multiple times. I have informed them that I was not living in the apartment during the time they are trying to charge me for. I dropped off a letter to the leasing office ( Vineyards at Forest edge ) clearly stating that I had no intentions to sign a new lease, and I was about to move out. The leasing agent offered me a XXXX bedroom transfer idea. I was told that XXXX bedrooms apartments are available but, theyre not ready yet. I was promised after multiple visits to the leasing office, that I would not be charged extra if my lease ended before this process was complete. Not only was I charged month to month fees, a XXXX bedroom apartment transfer was never processed for me. I even tried to escalate the issue to the XXXX business manager. even upper management promised me results after my disputes. Before you know it, the leasing office was permanently closed, and all communication was lost .The world was in the middle of a pandemic. I moved out of the apartment on XX/XX/year>. I made sure that all of my belongings were clear from the apartment. I also made sure that the apartment was clean. I decided to quarantine with my family. I was able to secure me another apartment on XXXX XXXX. 
I later found out that the XXXX XXXX XXXX XXXX XXXX XXXX was bought by the XXXX XXXX. For some reason, the XXXX XXXX is trying to charge me like as if I was still living there in XX/XX/year>. Theyre also trying to charge me excessive amounts for repairs to the apartment. They even conveniently are trying to charge me exactly {$50.00} each, for the stove in the refrigerator repairs. The rent ledger that fair collections and outsource has on file-has multiple flaws.
Product: Checking or savings account

It was in XXXX  and XXXX  partial XXXX  The overdraft fees were high and freezing of of checking accounts.
Product: Checking or savings account

In 2022, my account was closed from Navy Federal for unknown reasons I was not notified of. 

I held a personal checking account with direct deposit and 3 business accounts with a Navy Federal credit card. All was closed with no explanation.