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

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately. 

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX XXXXXXXX acct number XXXX, XXXX XXXXXXXX XXXX acct number XXXX, XXXX XXXXXXXX XXXX via XXXX XXXX acct number XXXX has violate my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account with my written consent.

15 U.S.C 1681 i ( a ) ensures me that everything being reported should 100 % accurate
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is in response to CFPB complaint XXXX where I informed the company that I have no contract with them for the alleged debt on my credit report. I also reached out to the original creditor via XXXX  and was informed that XXXX tried to contact the company twice, but the company failed to respond. Why would I trust a 3rd party collection agency whom I've never signed anything with and let alone heard of without validation from the original creditor? I am not obligated to pay your company anything and this is my right as a consumer. My personal information has been compromised many times, and without validation from the original creditor, how can you be sure that this debt is mine? Was there proof of my ssc and id on record? There were no copies sent to me if so. I have attached the proof of no response from original creditor. Again, the invoice is attached, and payment is to be remitted to the address on the true bill/invoice along with the deletion of this account. From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. n1681n ] n ( b ) Civil liability for knowing noncompliance.
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. 


Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY 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: Debt collection

Overton russel doer and Donovan have submitted claims to the credit bureaus that arent real. There a many that are the same exact amount. They just keep creating a new acct based on the original, killing my credit. This is unfair and unconstitutional and attempts I have Made to dispute have been futile. I am A person with a XXXX and I deserve to be treated just like any other person. I want To pay my bill. Just not 20 versions of the same bill
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I was in XXXX XXXX store in XXXX XXXX. The cashier asked me if I wanted their frequent shopper card ; I replied " Yes, if it is not a credit card. '' She told me it was not a credit card and proceeded to ask my name, address, etc. When she asked for my ID and Social Security #, I again asked " Are you sure this isn't a credit card? I don't want a credit card. '' She assured me it was not, stating " They want this information even for the frequent shopper card. '' About 4 hours later, I received an email from XXXX stating there was a hard credit inquiry on my credit file from Synchrony Bank. The XXXX XXXX cashier had signed me up for a XXXX XXXX XXXX credit card, not a frequent shopper card! I immediately called Synchrony Bank to cancel the credit card and to explain the card was opened without my consent. That same day after talking with XXXX again plus XXXX and XXXX, they all informed me the hard credit inquiry remains on my credit report for 25 months and only Synchrony Bank can remove it. I have called Synchrony Bank 3 more times to have the hard credit inquiry removed, each time speaking with a different person and each time explaining exactly what the problem is. They have sent me 4 letters, 3 of them identical wording, stating they will not remove the hard credit inquiry because " all the information on my credit file matches with the information supplied at the time of application. '' I mailed them a letter XX/XX/23 explaining my complaint is that I did not knowingly apply for a credit card. On XX/XX/23 I spoke with a manager of XXXX XXXX who told me she can't do anything to help me, only the bank can. She also told me there is no frequent shopper card. She said the staff would be retrained and " I'm sorry, but you came in the wrong week to shop! '' Synchrony did close the account immediately and sent me two letters stating that. All I am asking is to have Synchrony Bank remove this hard inquiry from my credit file because it affects my credit rating and the card was issued without my consent and authorization. It was misrepresented to me.
Product: Credit reporting or other personal consumer reports

I looked at my equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX  XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Checking or savings account

As soon as I started a dispute with XXXX one day they called me and said Im not allowed to dispute the charges-even though XXXX left me as a XXXX stranded without returning home ; not returning my money and caused me to call XXXX  delivery service to get as drive home hoping with grocery I would luck out to get back home after XXXX distances to my cleaners several times. Several times I tried with XXXX but they failed me only in XXXX Illinois. Wells Fargo quickly said they wouldnt accept my disputes on them. Closed me, but also sometimes As for Wells Fargo after claim process promised me a refund on some other disputes they reversed pick up of my hundreds once account was closed. But had already sent me a promissory note to all for retrieval of money. Saying I was too late as I know they used me, barging me fees, and picked pocketed my disputes already jerking me with promissory notes with no outcome because the money wasnt going in the account. After they shut it down with a relationship with me only three months I was surprised at the intolerant behind. Behaviorally
Product: Consumer Loan

1 ) Obtained Ford auto loan - both of us with XXXX credit scores, made XXXX payments on time. 40 years of sterling credit/NOT XXXX LATE PAYMENT. 
2 ) My husband signed up for paperless, payments were made monthly online and on time. 
3 ) My husband died and I continued to use his log in and made the payments, in addition to notifying Ford Credit of my contact information and his death. 
4 ) I made the final payment on time, with a typo ( they are claiming ) for exactly {$100.00} less than the required final payment. I did not realize it was deficient until my credit score plunged by XXXX points. I immediately paid the {$100.00}. 
5 ) No notification to me ( even though they had my email and home addresses along with my cellular ) that the partial payment was " late '' as the account had been placed in the " death committee '' and I could not obtain information regarding the late payment. This was even after submitting his death certificate along with my appointment by the Court as his personal representative and my passport information. 
6 ) After hours on the telephone over a several day period to different departments, I finally convinced them that I was the person with the responsibility and right to information. They were going to send me proof of the 5 years of payments and my early submission of the final payment, even though it was deficient by an innocent error. I HAVE NEVER RECEIVED ANY INFORMATION FROM FORD CREDIT AFTER MY REQUEST ALMOST 2 MONTHS AGO. 
-Is the credit providing company required to send " late payment '' notification? 
-I know that Ford Credit will allow a " forgiveness '' to an unusual late payment for good credit. I could not get to them in time because they closed out the account during the time I was in the " death committee '' and before I could convince them that I had the right to work with them. They kept transferring me to the " committee '' that would not speak to me or give me any explanation.
Product: Credit reporting or other personal consumer reports

Transunion needs to be looked into, I requested the block under 605 ( B ) of the fair credit reporting act. Transunion, denies the request claiming I didn't submit a valid copy of my identification documents, or the FTC report isn't valid, etc. Giving a different reason every time I request that the fraud account be taken down. That is a false statement from Transunion. I have provided a two forms of Identification, a valid identity verification document, a valid FTC report made on the identity theft.gov website, and listed the name and account numbers as request by Transunion, and a cover letter. This agency does not maintain proper procedures to make sure that fraudulent information doesn't slip by them and getting reported on peoples credit report. Their agency have abusive practices by telling people to send in the disputes with the following information and then, telling people that their information is invalid in order to avoid having to due a proper investigation. Please look into this company CFPB. If my disputes continued to be ignored, I will have no choice but to write to the office of the deputy director of the cfpb XXXX XXXX, and foward this complaint along with a civil complaint to the transunion headquarters to address to XXXX XXXX CEO. You have been provided with that you need and this complaint will serve as proof! Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine XXXX ACCOUNT XXXX XXXX
Product: Mortgage

Apparently, my mortgage was sold to a new company and I was never notified or given any documents, confirming such so that I knew that it was valid. I received a note on my door one day, so I tried to call the number and it was not a valid number. Fast forward to now and I have a letter I received say they wanted to foreclose on my house and that Ive made no payments. However, I was supposed to be in XXXX forbearance all the way to XXXX due to my having XXXX and being hospitalized repeatedly I have emailed the CEO of the company I have reached out to the XXXX No one is holding up their end or working with me at all.
Product: Debt collection

I am receiving phone calls from PRA Group multiple times daily in an attempt to collect my debt owed to them. The frequency of contact constitutes harassment and intimidation, and I have already spoken with a PRA Group representative to notify the company that I will set up a repayment plan through their web portal. I am still receiving harassing phone calls daily, and I am unable to access my account on the web portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave Equifax any written consent to report anything on my consumer report.
Product: Credit card

XX/XX/2024 XXXX to XXXX American Express security XXXX XXXX XXXX XXXX ) XXXX ) called me and stated that I have an unusual credit card transaction, and probably someone stole my identity to open a credit card account and need to confirm my personal information including name, phone number, home address and social security number. After that, they transferred me to the XXXX police department and had a virtual meeting with them for police report. I exposed my face my voice and personal identity during the XXXX call and end up realized they are identity theft.
Product: Credit reporting or other personal consumer reports

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the accounts are all follows : XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED NA - AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX XXXX  - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XXXX - XXXX XXXX - AMOUNT XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$700.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I have an account with Bank of America in which I've discovered daily discrepancies with the purchases from XXXX starting back on XX/XX/XXXX possibly earlier. When I discovered the bogus transactions I contacted Bank of America in XX/XX/XXXX to put a claim in ... they in turn sent me documents with transactions that conflicted with the actual statements as far as the amounts and dates, and the dates in the documents aren't consecutive which makes viewing this data quite confusing! They wanted me to sign this document which I could be accused of committing a crime. And since the information is incorrect they wouldn't have to investigate the charges but instead hold me responsible for them! Financially and Criminally! 
On Saturday XX/XX/XXXX I contacted Bank of America to let them know of the inconsistencies in this claim ... On XX/XX/XXXX I was sent an email by Bank of America to this claim with the same inconsistent documents. 
I don't appreciate being put in a situation to engage in criminal activity by Bank of America. 
Also when I look at the transactions from XXXX in my online statement these dates have been conveniently removed ( XX/XX/XXXX to XX/XX/XXXX )
Product: Debt collection

I'm writing this post again in tears dealing with this company. I checked my credit last year and found this account - since then my credit score has gone down 30 points. The bill is for a hospital visit - the hospital entered my social security number instead of my husband 's. This should be a quick fix right - wrong - In XXXX, my insurance company and myself did a three way conference call with EOS CCA - they explained to them how to correct this and have the bill paid. I was told it should take 3 to 4 weeks to clear. It's XXXX and know no one has a record of my insurance calling. I wrote their corporate office in XXXX, no response - can't get anyone from corporate on the phone. The phone call today last 5 minutes with - do you plan on paying this bill today - if not - I'm ending the call - I said no and she hung up ... ... .I 'm now considering taking them to court ... ... ..
Product: Debt collection

On XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$960.00} } and ( {$1400.00} ) on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA. 

Also on XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$1400.00} } on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is  attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My younger sister went to the XXXX XXXX XXXX store back in XXXX to return an XXXX as she was switching over to XXXX XXXX XXXX. The employees there took the phone, closed her account & told her she can go without giving her a receipt. She asked for one and they told her she does not need to worry about that. That is where the problem started. 

had to go to XXXX in XXXX because of an overcharge made to my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ) and was told by an agent on the phone that the XXXX was never returned & that I owe {$720.00}. I told her & it was been returned & that the associate stated there was nothing due on my account. I was also told that matter was resolved & it would not affect my credit so I do not need to worry about anything. 

Fast forward to a month & a half ago : my younger sister contacted XXXX in regarding her old phone number ; the agent assisted her but then stated there was a balance for the XXXX  once again. We both told the agent AGAIN, that matter was been resolved. She ( the agent ) said she will remove the amount from the closed account.

Yesterday I checked my mail & see a letter sent by Source Receivables Management that my XXXX account has a balance of {$780.00}. 
I am very frustrated as I have been told multiple times that the amount of {$720.00} was removed, & the fact that the phone was returned ( which was REQUIRED in order to close the account ). I would like for this issue to be resolved as soon as possible. 

I also see that this is very common with XXXX still charging previous customers for phones that have been returned.