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

Peace Unto You! 

Today marks the day of a major issue with all consumer reporting agencies. See attachment below to see my documentation that states what specific information I want removed from my consumer report and what information I dont want to be reported. 

I as a consumer have this right by law. Act 15 USC 6802 gives me the right to Opt OuXXXX of anything regarding to reports to my consumer report and there are consumer reporting agencies that are disregarding this fact. See attachment below to see what Experian said in regards to my dispute. This is highly unethical, illegal, and simply not fair, and as the CFPB its your responsibility to assist me when these consumer reporting agencies simply disregard my request to have information removed. 

I as a consumer have the right to gather any documentation, regardless of the Source, that includes in totality the Consumer Laws in order to file any dispute, for in Consumer law I have the right to privacy and its the Consumer Reporting Agencies Obligation to adhere to my disputes. Not the other way around. 

In summary, I simply gathered documentation that I used for my dispute, and in this documentation it clearly shows the laws that ALL consumer reporting agencies must adhere to. 

It is UNACCEPTABLE for a consumer reporting agency to deny my RIGHT as a consumer to have what I demanded to be removed from my consumer report. 


And so it is.
Product: Debt collection

I closed my bank account in mid XXXX. On XX/XX/XXXX, one my checks was used to be cashed for cash. This account was never even presented the check at my bank, XXXX. They immediately gave the person the cash and then didn't even contact me and sent me to collections- Complete XXXX XXXX, XXXX XXXX It hadn't even been 2 weeks and they sent me to collections. Then I found out that XXXX XXXX XXXX said I wrote a check at XXXX? They told me it would go on my credit report if I didn't pay {$68.00} immediately. 

After much research, I realize I have been swindled and I am reporting XXXX XXXX XXXX, XXXX. 
https : XXXX
Product: Debt collection

I ran my credit card report and noticed a derogatory mark, which then I found out it was from a debt collector ( Progressive Management System ). I tried reaching out to them multiple times to find out more information about the debt since I was not aware of any debt but their customer service kept hanging up the phone as soon as I requested more information ( they did this to me three times ). I do not know what to do since they just stopped answering my calls.
Product: Debt collection

received repeat calls from a rude / hostile guy regarding XXXX XXXX XXXX. He continued to call after being asked not to contact me because I do not have a contract with Hunter Warfield.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a credit sweep as I have identified several inaccuracies on my credit report that do not reflect my actual credit history. These inaccuracies are negatively impacting my credit score and hindering my ability to secure credit. I believe that these errors may be a result of outdated information or incorrect reporting by credit bureaus.

You are requesting a credit sweep to address inaccuracies or outdated information on your credit report that may be adversely affecting your credit score. This process aims to ensure that your credit report accurately reflects your credit history and financial behavior, thereby improving your chances of securing loans, mortgages, or other financial opportunities.
Product: Credit reporting or other personal consumer reports

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The legal interest rate in New York is 16 percent. This loan is 22.09 percent. This company has committed civil usury.
Product: Checking or savings account

Usaa My account was croupted 4 mths ago usaa send 3 new atm cards and I closed my checking account. All attempts were by ach I had over 20 within 90 days sometimes 3 a week Usaa would always refund any money taken and fees. However after 3 attempts in one week it takes an 10 business days to settle each event. Preventing me from closings the account in the mean time 3 more would come in same account number different name you would think they could figure it out after speaking with 4 mangers a fraud department twice. There suggestion is for me to pay the {$29.00} overdraft fees and close the account Now I already been refunded the money taken this is about the overdraft fee which I refused to pay All I want is to close the account
Product: Money transfer, virtual currency, or money service

I had my ssn check deposited and refunded disputes added to my card. I tried to access the account and cashapp located the account on their end but i was not able to myself. They said i cant have access or transfer monies out and gave me only one reason due to security reasons i asked what security reasons and they said thats all they could tell me. I am XXXX and without my monthly check I will not survive. It took me months to recover from not getting my check that month. I was evicted and XXXX on the XXXX and lost everything i owned because of this. I keep trying and trying with them but get no where. There app Conveniently freezes if i get to far into logging in. Cashapp is a company that steals and thus far gotten away with it all!
Product: Debt collection

I'm not sure if this is a loan I borrowed o I remember paying a bill off. I would like to see a actual Contract were the collector Brought the contract in Original Signature of mine. 

I need to see the actual contract with my signature. 
Were is the accounting of these intrest and fee 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : XXXXXXXX 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 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 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: Vehicle loan or lease

XXXXXXXX XXXX XXXX is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-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 ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

Once again, I am writing to file a formal complaint against the 3 major buraus Transunion, XXXX, XXXX regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same account over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same account showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact account. 

XXXX doesn't even have my correct XXXX but has the audacity to tell me time and time account everything is updated and verified this is just wrong. 

I have attempted to resolve this matter directly with the XXXX buraus via dispute letters. Despite my efforts, the issue remains unresolved, and I believe that their actions are in violation of the FCRA. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : XXXX XXXXXXXX Account Number : XXXX ACCOUNT TYPE ACROSS ALL 3 DOES NOT MATCH DATE OPENED DOES NOT MATCH ACROSS ALL 3 DATE LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT INCONSISTENT AMOST ALL 3 BURAUS PAYMENT HISTORY COMPLETLEY INCONSISTENT AMONGST ALL 3 BURAUS. 

I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Product: Consumer Loan

Re : SST Loan Servicing This loan was transfered from another financial institution. Title loan on vehicle purchase was paid off in XXXX 2016. I still have not received the release of lien so I can title the vehicle in XXXX XXXX as of this date, XXXX XXXX, 2016. I have been given inaccurate and false information by various sources, dates of alleged mailings and incorrect mailing addresses when I tried to verify why I had n't received my paperwork.
Product: Credit reporting or other personal consumer reports

I didnt notice all the hard inquiries and soft and clears until I looked at my credit score and I seen how my credit score it is. Ive never applied for anything so I dont understand why I have inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the debt associated with the account referenced above. This dispute is filed under my rights as outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681a ). Specifically : 1. **Dispute Under 15 USC 1692** : I am disputing the debt in its entirety and request that you provide validation of this debt as required by 15 USC 1692 ( g ). Please provide documentation that confirms the amount of the debt, the original creditor, and that I am indeed liable for this debt. Until such validation is provided, I expect that all collection activities will cease. 

2. **Dispute Under 15 USC 1681a** : Additionally, if this account has been reported to any credit reporting agencies, I am disputing the accuracy and completeness of the information being reported under 15 USC 1681i . Please initiate a reinvestigation of this matter and correct or remove any incorrect, incomplete, or unverifiable information from my credit report.
Product: Mortgage

I was pre qualified for a mortgage loan on XX/XX/XXXX by XXXX XXXX, who is the Mortgage Loan Originator of the Fifth Third Bank. I was pre-qualified for {$320000.00}. I went into contract to buy a house and I had to send a {$2000.00} deposit to the tittle company. The bank kept us waiting for the loan approval making us change the closing dates 3 times over the course of 2 months. Now, two and a half months later the bank send me a denial letter for the loan and we cant close on the house. In addition, the sellers dont want to give me the XXXX deposit back.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in months that are reported late to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. Specifically, I wish to dispute item related to an account with : XXXX  XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX and Dept Of EdXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$230.00} XXXX XXXX In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )
Product: Mortgage

If the CONSUMER Financial Protection Bureau wants to protect my financials you will please help me with the following request. I bought a house 5 years ago. The taxes and insurance and everything or course keep going up. I bought the house for XXXX, and got a mortgage for XXXX. Today, with perfect payment history, I owe around XXXX. I have a ridiculous amount in PMI. If you are protecting my finances, then I need help removing this unnecessary expense from my mortgage payment. I know the lender can simply adjust my payment and take it off, it 's not difficult. Here is why it 's not necessary : My understanding is that PMI protects the lender? First off, why do I have to pay for their risk? No other business on earth makes you HAVE to pay their insurance to avoid their risk. There is zero risk with my mortgage. If I do not pay the bank will make money, as there is NO RISK with my mortgage, as I have over {$120000.00} of equity. Comparables in my neighborhood are selling for over {$300000.00}, I owe {$170000.00}. With that said there is absolutely NO RISK so there is absolutely NO REASON for my to be financially harmed every single month. With perfect payment history and {$120000.00} in equity, and in XXXX XXXX XXXX, XXXX of the best real estate markets in the country, this PMI payment is erroneous. Please help me from being financially harmed each month from risk that is n't risk, but merely the opposite of risk. If I do n't pay my mortgage, there is no protection needed from the bank 's part, as my house has {$120000.00}, ample equity to ever put risk on the lender. Thank you.
Product: Debt collection

Filed an previous complaint with undesired results. Portfolio Recovery Associates LLC is not owed any money from XXXX XXXX. Portfolio Recovery LLC needs to provide an Original Signature from XXXX XXXX validating this debt. I'm inquiring about 2 accounts accounts number ending in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I changed the funding source for my pp debit card from my XXXX XXXX account to my XXXX XXXX. I did this because there was no money in the account because my wife and I are changing financial institutions. Sometime on our before XX/XX/XXXX paypal changed the funding source back to XXXX XXXX, which is going to cost me at least XXXX dollars in NSF fees. And they did this without giving me any notification that the change had been made.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate account on my credit report. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if any disputed information is inaccurate, incomplete, or unverifiable after reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified. 

XXXX XXXX ( Account XXXX : XXXX ) is inaccurately reported as late. ** This information is false and must be corrected to reflect " Paid as Agreed '' with no late payments. This misrepresentation of my credit history is unacceptable and could negatively impact my financial standing. 

I expect this inaccuracy to be corrected immediately. I also request that the CFPB take action against Experian for its failure to ensure accurate reporting, as required by law. If this issue is not addressed promptly, it constitutes noncompliance with the FCRA, and I will take further steps to protect my rights.