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

NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the mental distress, XXXX emotional distress, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies. 

Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to XXXX, these costs will be covered by you, and they can amount to XXXX XXXX XXXX of dollars. Therefore, it is in your best interest to settle this dispute amicably. 

I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company.

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is still reporting these inaccuracies on my account, I have asked them to block and remove according to the Fair Credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian personnel informed me to submit my ftc identity report again. I submitted the downloaded PDF that I obtained from FTC. EXPERIAN THREATENED ME AND ACCUSED me of furnishing a fake report, despite The report coming directly from FTC. Experian blocked out the identity theft report I initially submitted. I submitted the identity theft report a second time and I was told that it was fraud. Experian uses generic responses to avoid following the law. I am submitting the PDF DOWNLOAD as well as the screenshots. Experians response is generic and fraudulent.
Product: Credit card or prepaid card

Between XX/XX/XXXX Thur XX/XX/XXXX made 9 different payments to bestbuy credit card in the amount of XXXX towards an 18 month no interest account. Each payment were made by check, noted on check 18 month account. In addition to these payments, the minimum payment were sent every month. Durning the year additional payments were sent to Best Buy credit card account. Any extra payment sent, nothing was applied to this account. XX/XX/XXXX statement shows XXXX interest charged to my account.
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX, my complaint is that the PayPal account can not be linked to the bank and the withdrawal balance. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft, and I have enclosed copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. I request that the fraudulent information listed below be immediately blocked and removed from my credit file. 

I have reviewed my credit file, and the listed information does not relate to any transactions I have made. This is not a standard dispute. I have also filed a complaint with the Federal Trade Commission to document my identity theft. 

In accordance with Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receipt of this letter : Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX XXXX XXXX XXXX Identity Theft - Inquiry Creditor : Ally Financial Date of Inquiry : XX/XX/year> Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX via Dealer Date of Inquiry : XX/XX/year> Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : Consumer XXXX XXXX  Date of Inquiry : XX/XX/year> Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/year> Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX  Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX. 
Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX  Account Number : XXXX Please remove this from my credit report. 

I appreciate your immediate attention to this matter, and I expect confirmation once the fraudulent information has been removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax, XXXX & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : 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 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 These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611. 
Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 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 : 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  and 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: Debt collection

XX/XX/XXXX XXXX XXXX tried to collect this debt on behalf of XXXX account ending in XXXX for {$730.00}. I advised them that this was result of identity theft and and provided the FTC reports showing as such. The case was closed and XXXX XXXX advised on XX/XX/XXXX for my case XXXX that XXXX  XXXX  will honor Mr. XXXX request and place his account in a cease and desist status. This will prevent further collection efforts from occurring on this account.. Now it is XX/XX/XXXX and they have sold this account to Resurgent, who is trying to collect for again, an account, ending in XXXX for {$680.00} that was not mine and is considered identity theft. I will file another case with the FTC to include Resurgent Capital so that this matter will finally be closed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this Accounts XXXX, XXXX, XXXX, XXXX, XXXX
Product: Student loan

I am a XXXX veteran and asked about the XXXX discharge program and was told there was no such program. I was informed that I needed to set up my account on auto draft after issues with payments being maked late that were not.
Product: Debt collection

Hello and thank you for taking the time to read and address my concern : I was included in a Financial Institution and Credit Bureau Breaches, and have asked LVNV Funding LLC to provide the following : To provide an Original Contract Signed by me, to show proof that I authorized them to utilize any of my personal information. 

I have written to the company address provided on my credit report SEVERAL Times. 

They have a PO Box Address?? so I wrote to LVNV Funding, C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX I need to know if this is even a licensed company?? and if they have the authorization to utilize my personal information. 

I am very concerned, as I do not know this company and have not authorized anyone to utilize my personal information.I wish no further contact and have requested expeditious removal of this debt. 

As a Consumer under the Fair Debt Collection Act, I have a right to the know how and why they are using my personal information, and again I did not AUTHORIZE! I have been involved in breeches and this is of utmost concern. If they can not provide an original contract signed by me, I want these accounts removed, as they appear negatively on my credit report as Open Accounts!

Two Collections are on my report as Open one for {$1300.00} and another Open one for {$1000.00} dated XX/XX/XXXX.
Product: Debt collection

Google pay is trying to collect a debt that was included in a XXXX  XXXX Bankruptcy a few years ago
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in to purchase a car and gave the financial department of XXXX XXXX permission to run my credit to one financial institution and they ran my credit over 20 times. I did not authorize them to do that I had no knowledge they were going to run my credit so many times. This is goes against my rights as a consumer and should be handled immediately! I am no longer able to live my life freely and do what I need to for my family because most financial institutions wont give me another try to pull out any credit cards.
Product: Credit card or prepaid card

I tried send u claims about this debt and it seem that anything is not done about it, mean time my credit is ruin and I cant get anything. The name is syncs Sams club their in CA. According to them I owe them XXXX its not true this debt is not mine I want it off or else Im suing. This bank was doing fraud with lots of people they caught them and they sold it to XXXX  XXXX. So, now I owe XXXX XXXX for this card that I bet applied. They are in a law suit now, now Im owing it. Take this off my credit please
Product: Credit card or prepaid card

I spoke to an associate named XXXX and I requested a reduction in the APR on my Chase credit card. He advised that this is the lowest rate available. I find this hard to accept being that my FICO score is XXXX and I have never been late with any of my bills. I live in the state of XXXX XXXX and we are the epicenter of the COVID-19 outbreak. Chase should provide a lower APR in my case since I have several accounts Chase. This is not how you build shareholder value with clients.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX - BALANCE {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX  XXXX Balance : {$64.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I need your assistance with the incorrect account showing up on my credit report. Ive brought this issue to your attention because its been harming my reputation, and I need your help. Your mishandling of my credit information has left me in a difficult position, and the inaccurate reporting has severely damaged my reputation. These errors must be corrected so I can return to a normal life with my family.
Product: Checking or savings account

I was a victim of XXXX scam for a total amount of {$3800.00} and I explained the issue with my bank and they have yet to refund me. Im a current XXXX  XXXX  with no income and now suffering financial and have issue paying my monthly bills XXXX XXXX XXXX XX/XX/2022 {$560.00} XX/XX/2022 {$1000.00} XX/XX/2022 {$800.00} XX/XX/2022 {$800.00} XX/XX/2022 {$560.00}
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 : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 card or prepaid card

this is as far as what happened XXXX XXXX XXXX at XXXX Utah, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended to this XXXX XXXX from XXXX XXXX to XXXX XXXX I have not seen any change progress in their totally deficient in math and reading, my daughter grades with a totally low grade. The only thing that my daughter was taught was divisions that is it. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took 73 hrs those 73 hrs is nothing based on what? they fix the hrs on their computer on their convinience, my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not fair, I am a single mother I do not have financial resources to pay. 
I feel that they are stilling my money in combination with this XXXX XXXX XXXX phone number XXXX
Product: Mortgage

On XX/XX/year>, I spoke with XXXX XXXX of America Heritage Lending about a cash-out refinance for one of my properties. On XX/XX/year>, I spoke with XXXX XXXX of America Heritage Lending about a cash-out refinance for another property. The property discussed with XXXX XXXX was assigned the loan number XXXX. The property discussed with XXXX XXXX was assigned the loan number XXXX. 

Both properties were assigned to XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, PA XXXX for appraisal. XXXX XXXX XXXX sent out one of their Appraisers named XXXX XXXX to complete both appraisals. On XX/XX/year>, I received the appraisal report for loan number XXXX. I could not believe it when I found out the property was appraised for {$400000.00}! We bought this property in XX/XX/year>, and it was appraised for {$390000.00} before repairs and upgrades. 

I called XXXX XXXX to express my disbelief. I also emailed XXXX and XXXX XXXX XXXX on XX/XX/year> to let them know I did not agree with the {$400000.00} valuation. I informed XXXX that I am a licensed Realtor as well as a real estate investor, and I knew the propertys value should be about {$420000.00}. XXXX did not appear interested in my concerns. XXXX XXXX told me to send three properties to support my estimate of {$420000.00}. 

On XX/XX/year> I sent five comparables to XXXX and he sent me an email on the same date to confirm that he received the comparables. On XX/XX/year>, I emailed XXXX to ask if he had any updates, but he did not respond. Again on XX/XX/year>, I emailed XXXX to follow up with the comparables but he did not respond. What a way to treat a customer. 

On XX/XX/year>, I received the appraisal report for loan number XXXX. To my disbelief again, the property was undervalued! This property was appraised for {$290000.00} but I believe the value to be around {$350000.00}. I called XXXX XXXX to express my concerns. XXXX was very professional and courteous. He encouraged me to email three comparables to support my estimate. On XX/XX/year>, I emailed six comparables to XXXX. On XX/XX/year>, I emailed XXXX again for updates. XXXX sent me an updated appraisal report where XXXX XXXX stated that opinion of market value remains at {$290000.00}. While XXXX was supportive, I informed him t

hat I was going to go through another lender to order another appraisal for me. I applied for a cash-out refinance for loan number XXXX through another lender on XX/XX/year>. On XX/XX/year>, the new lender informed me that the property was appraised for {$350000.00}. I did the closing on XX/XX/year>.