23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 I was given the pre-approval with the mortgage company Veterans United for a mortgage of up to {$140000.00} with the current state of my hourly pay at {$13.00}. The hone I planned to purchase was accepted as an offer of {$130000.00}. Upon us paying for the inspection and then the appraisal as the purchaser it seemed ironic when the seller would be able to use the appraisal and inspection reports upon the sale whether this contract succeed or another buyer is located. Upon XX/XX/XXXX the purchase signed agreement was completed, with the tentative closing date to which would be XXXXas we came close to the closing date the Veteran 's United team provided the final underwrite review they were concerned about some of the bills which could have easily been paid and rolled into the loan if the were obstacles that were there in the initial preapproval of the application. Without regards for the partner, XXXX XXXX, acting as my proxy during the entire process having the requested actions or documents needing review be the denied mortgage and unnecessary cost incurred should be reassessed as to who should pay when best practice would dictate the seller in any case.
Product: Debt collection

I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is. 
I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper! 
I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless. 
I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them. 
Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Payment Due to Violations of Consumer Rights Dear XXXX, Trans Union and XXXX, I am writing to formally demand payment in the amount of {$1000.00} for each violation of my consumer rights, as specified under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 6892.

I have identified the following violations in regard to my credit report : 1. Permissible Purpose : You have reported information on my credit report without a permissible purpose, as required by the FCRA.

2. Failure to Provide Verification : You have failed to provide any method of verification upon my request, which infringes upon my rights under the FCRA.

3. Notification Requirements : You did not notify me at least five ( 5 ) days prior to reporting any information on my credit report, which is a clear violation of the FCRA.

Each of these violations constitutes a breach of my consumer rights, for which I am entitled to compensation of {$1000.00} per violation. Given that there are three distinct violations listed above, I am seeking a total payment of {$3000.00}.

Please remit payment to my address listed above within fifteen ( 15 ) days of receipt of this letter. If I do not receive a satisfactory response within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to enforce my rights. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX, XXXX, I XXXX I XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

My XXXX signed me up for a deferred payment without interest with Comenity Capital Bank for an XXXX from XXXX. I had my bank make the direct payment of {$200.00} per month which went to the company on a regular basis. Last month the amount owed was {$230.00} dollars but the bank only paid {$200.00} dollars as it had been set up two years ago. I tried paying the {$38.00} but was unsuccessful getting to the account to make payment. The company now wants to charge me {$1400.00} additionally because the {$38.00} dollars were not paid before the loan expired in mid XXXX.. The company did not send me a notification of the loan expiration date and two years later it is unreasonable for them to think that I had that date present on my mind, especially during the time of crisis in our country, I have contacted them several times and they are not helpful. Their XXXX  score is # 1, which explains their behavior, I need your help trying to resolve this unjust matter. I am a responsible consumer with a credit score of over 800. Thank you for your assistance with this matter.! XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regarding : Creditor XXXX XXXX XXXX Bank Account Number : XXXX I am writing to formally dispute inaccuracies and improper handling of my credit report information related to the above-referenced account. 

Details of the Dispute : Account Discrepancies : The account is reported as " collection/charged off, '' which may not accurately reflect the account 's true status. I request verification of this reporting and correction if found inaccurate. 
Improper Use of My Credit Report : My credit report appears to have been accessed and shared without my consent, resulting in unauthorized inquiries and potential violations of the Fair Credit Reporting Act ( FCRA ). I request an investigation into these inquiries and removal of all entries made without proper authorization. 
Reporting Agencies Involved : This dispute concerns all major credit reporting agencies : XXXX, XXXX, and TransUnion. 

Request for Action : Verify the accuracy of the account details and provide documented evidence supporting the current status. 
Remove any unauthorized credit inquiries or correct any improper sharing of my credit data. 
Update my credit report to reflect accurate information. 
Additional Information : Account Open Date : XX/XX/XXXX Current Balance : {$1000.00} Error Discovered : XX/XX/XXXX Please process this dispute in accordance with the Fair Credit Reporting Act ( FCRA ). If you require additional information, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to a response within the XXXXday period as stipulated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed listings for late payments. More than XXXX days ago, I sent letters regarding these items, but I have not received a response, and they have not provided me with adequate validation of these supposed late payments. I am kindly asking for your help in resolving this issue.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX ( a ), I am formally demanding the immediate removal of inaccurate, outdated, and unverifiable information appearing on my credit report. Equifax has a statutory obligation to conduct a fair and reasonable reinvestigation of any disputed information and remove or correct any information that can not be verified as accurate within XXXX days. 
Additionally, the 2023 Equifax data breach and the subsequent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax highlight a pattern of noncompliance regarding consumer data security and reporting accuracy. Given these violations, I demand that Equifax comply fully with the FCRA and remove the following disputed items from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
Product: Debt collection

On XX/XX/year>, I lodged a complaint via the Consumer Financial Protection Bureau ( CFPB ) concerning the conduct of XXXX XXXX. Despite this, XXXX XXXX continues to disregard my rights and engage in unlawful practices, further exacerbating the situation. 

In my initial complaint, I cited XXXXXXXX XXXX XXXX failure to contact me and provide the necessary notice and time required for disputing the alleged debt before reporting it to my credit profile. As per my request, XXXX XXXX was to furnish the following information : The tracking number from the notice, along with my signature upon delivery, confirming that I was duly informed of the debt and afforded the opportunity to dispute it within the stipulated timeframe, pursuant to 12 CFR 1006.34 Notice for validation of debts. 
The purchase agreement between the original creditor and the collection agency. 
Proof of licensing and authorization to collect the alleged debt. 
An agreement bearing my signature, indicating my commitment to pay. 
Clarification on whether the alleged debt was assigned or purchased. 
Despite my explicit request, XXXX XXXX failed to provide the requested documentation and, instead, resorted to further violating my rights by persistently harassing me via email, urging payment for an unverified and unvalidated alleged debt. Furthermore, they continue to report this debt to credit agencies, resulting in a significant drop in my credit score and causing unwarranted stress. 

This aggressive pursuit of collection appears to be a direct retaliation for my complaint to the CFPB. XXXXXXXX XXXX XXXX actions constitute a blatant abuse of my consumer rights, especially given their disregard for the supervisory authority of the CFPB. 

I want to reiterate that I am not liable for this debt, as I do not have a contractual agreement with XXXX XXXX, nor have they provided the original contract as requested. 

Moreover, I am deeply concerned about XXXX XXXX XXXX recent attempt to collect the debt via email. This action blatantly violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through inconvenient means, such as email, known for its intrusiveness and lack of privacy.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter via certified mail which was received/delivered to Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) on XX/XX/2023. Certified Mail XXXX # XXXX. Enclosed with the dispute letter was a copy of my social security card and passport for identification purposes. 

I received a letter on XX/XX/2023 from Equifax stating that they would not complete the investigation and also requested copies of my ID for identification purposes. I have PREVIOUSLY submitted via the mailed dispute letters copies of my ID. This company continues to REFUSE to investigate and remove information from my credit report that does not belong to me further violating my consumer rights. I DEMAND a proper investigation and deletion of the accounts for which do not belong to me that were submitted in the attached mailed letter. I have attached the original mailed letter to this complaint.
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXXXXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b 12. [ XXXX XXXXXXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b
Product: Credit reporting or other personal consumer reports

PLEASE HAVE THESE INQUIRY REMOVED FROM MY CREDIT REPORT AS SOON A POSSIBLE NONE OF THESE BELONG TO ME I NEVER APPLIED TO ANY OF THESE ACCOUNTS I ALSO REACHED OUT TO SEE IF THE COMPANY HAD ANY ACCOUNTS OPEN WITH MY NAME AND SSN THEY ALL TOLD ME NO THEY DIDNT HAVE ANY INFORMATION ON THESE ACCOUNTS
Product: Debt collection

Left voicemail saying they were about to take me to court over a debt from " XXXX '' that is more than 20 years old, plus it would have been discharged in my 2012 bankruptcy filing. When I stated I was aware that they were scammers, representative used abusive language and called me names, then hung up on me.