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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 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 for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 166XXXX ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.
Product: Debt collection

Hi and how are you? Listen, I've disputed this account before with XXXX XXXX XXXX and they removed it base on the errors and violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please  evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged  contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I have a debt I owe XXXX XXXX even though I cancelled last year and the still continued to call and charge me until I told my bank to block them. Now they have sent a debt collector to harass me XXXX Aldous & Associates ). Not only have they been extremely rude ex : hanging up on me, but when I asked if they could put me down under currently being disputed I was informed that I was and that it would not affect my credit while it was being disputed. Now I have been told that it will if I dont pay soon it will which is the exact opposite of what I was told before, and then I was hung up on by ( Bill ) saying he didnt want to argue with me even though I never got hostile and was only concerned because clearly I was lied to. Every time I call them they love to make a bad day worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get equifax to fix this information on my consumer report since XX/XX/XXXX and they refuse to investigate it or even fix it. I entered into a consumer transaction back in XXXX and the account has been paid and in good standing. But on my report it is showing completely wrong. It is showing, an Open collections account, in a derogatory status, but also Paid In Full. This incorrect Information is really hurting my credit and causing me stress. It is going to fall off of my credit report in XX/XX/XXXX but it has been reporting inaccurate for 7 years. And when i tried to get Equifax to update it they completely ignored me. XXXX and XXXX deleted it because they knew it didn't meet FCRA requirements, so how can equifax knowingly and willfully report this false information to hurt my credit and stress me out?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I've had a similar problem with this company before. They recently added two new medical debts to my credit report 1 with balance of XXXX and another with a balance of XXXX I've never received anything about either of these accounts from them. This company believes they can do whatever they want without consequence. The are violating my rights and its not the first time. 

accounts show as XXXX XXXX both are reporting with dates they I had no medical work done.
Product: Debt collection

I had an amazing health insurance company, XXXX XXXX XXXX XXXX XXXX for the last 11 years, and got a wrong bill from XXXX XXXX  on XX/XX/2020 for XXXX when I called last year to see where this came from mybinsirance told me XXXX insurance was having this problem with a big amount of people in this country. But now I got a credit collection service letter for a debt collector. They are trying to collect a debt I DONT HAVE. AND I DONT OWE this is not fair at all. 
The account number is XXXX.
Product: Checking or savings account

I sent my XXXX 's mortgage. A check in the amount of {$1400.00}. Later that month I received a text message from the bank telling me, that the mortgage had not been paid. 
I check my bank statement and the check was cashed. 
I called Wells Fargo to find out, who they had authorized to change that check. I have provide them with everything they have ask for. Wells Fargo had told me, they are going to close the case. Two month later, this has not been resolved and Everytime I called is a different story.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX XXXX Balance {$79.00} XXXX XXXX XXXX, XXXX XXXX Balance {$160.00}
Product: Credit reporting or other personal consumer reports

I kindly ask for your utmost attention and urgency in addressing this dispute, as the incorrect information on my credit report is adversely affecting my financial well-being. I request that you provide me with a written response detailing the results of your investigation, along with a corrected credit report reflecting the removal of the disputed entries. 
Thank you in advance for your cooperation, understanding, and prompt resolution of this matter. Should you require any additional information or documentation, please feel free to contact me at the above-mentioned contact details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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

My credit report had an inaccurate case number and inaccurate contact information for the court my bankruptcy was filed with. I provided proof that it was inaccurate on XX/XX/year> and they came back to say the information was accurate on my account and that they verify this information via a third party.
Product: Student loan

From XX/XX/XXXX, since I started to enroll in the XXXX, so I was deferred from the monthly student loan payment. However, last XX/XX/XXXX, I wanted to pay at least interest only for the loan without principal even under deferment, so the interest wo n't accrue. But the payment that I wanted to make was not able to go through via NAVIENT online. Each time I click, " submit '' my payment, the message pop in saying " You have an issue in your bank account, we have received returned your payment, check and get a verification letter from your bank. '' Thus I visited my bank and found no issue on my account. My bank gladly wrote a letter about my bank account has been valid. The letter was faxed, mailed to the fraud department of NAVIENT on XX/XX/XXXX.

I also called to NAVIENT to speak this issue and ask them to resolve, so I can make a payment. However, the customer service ca n't do anything for me. They ca n't receive my payment over phone directly by customer rep. Each time I called, customer rep only able to transfer my calls to fraud department. But the fraud department would never receive my calls and try returning to my calls after I leave messages. I wanted and still want to make my loan payment interest, so it wo n't build up like snow ball. But NAVIENT negligent to cooperate with me, hindering my payment process. I also attach the letter from my bank here to help your investigation.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


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

I recently reviewed a copy of my credit report and noticed that XXXX fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I have applied for a HAMP loan modification that I clearly qualify for based on this criteria. 
1. Primary Residence, 2. I currently have an interest rate over 2 %, 3. DTI over % XXXX, 4. Underwater on Mortgage, 5. Hardship due to medical issues from an auto accident. 

Suntrust is dragging the process out by telling us we need something different every week or so and they are not returning messages even though they say they will within 24 hours. 

So now we are not paying our mortgage and they are forcing us into foreclosure which they will try to use against us later.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from the delivery company XXXXXXXX XXXX XXXX the Scammer ) and lost XXXX XXXX of my hard-earned funds. I advised Coinbase of this fact on XX/XX/XXXX, and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the financial institution never took that into account. Financial abuse includes criminal conduct such as fraud, theft or obtaining financial advantage by deception. However, what occurs may be improper conduct rather than illegal because : the act or omission may not be deliberately abusive or malicious, or a relationship of trust or dependence may cloud the question of consent. A fair and reasonable investigation would generate the following questions : 1. Did the financial institution make an error by processing the disputed transfers? Clearly, I was the victim of a scam, I was referred to the scammers after expressing an interest in investing online, I realized sometime after making the disputed transfers that everything was a scam and I was being scammed. In providing its services to myself, the financial institution is required by law to exercise the care and skill of a diligent, prudent financial institutioner. In this case, this means the financial institution should not turn a blind eye to known facts pointing to a real possibility their customer ( myself ) is being scammed. In other words, the financial institution must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known I was dealing with a scammer. 2. Did the financial institution breach any other obligation it owed to the complainant? I appreciate it is very challenging for front line financial institution staff to be alert to facts suggesting a real possibility a customer is being scammed. However, it was apparent instinct that transfers of the sort were not okay. As any prudent Banker should have doubted the circumstances and therefore contacted me, if for the sake of the argument they did indeed contact me and they were not confident in what to ask or tell myself, they could have transferred me to another employee ( such as a manager or someone from the financial institution fraud area, ) who could have questioned me further and had an appropriate discussion with me about the risk of being scammed. If I had still insisted on going ahead with transferring the disputed transfers after such a conversation, the financial institution would not be responsible for any resulting loss. I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

amsher collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX  alabama XXXX illegally and unethically accessed my credit reports that are frozen and fraud alerted. this is illegal and unethical activity and violates Alabama and florida and federal law. Stay the XXXX out of my credit reports or be sued and prosecuted! amsher collections is reported to the CFPB, alabama attorney general, fl attorney general, FTC and law enforcement AND the XXXXXXXX XXXX  and the XXXX for illegally accessing my credit report.
Product: Debt collection

On XX/XX/18 XXXX XXXX contacted my mother in law and told her that they were going to sue us if we didn't pay them. Not only did they tell her about our debt, they threatened legal action. This company has also repeatedly called my husband claiming to be someone from his place of work just to get him to talk to them. They are dishonest and corrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balnce : {$380000.00}, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Transunion creditreportingagency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. 

Please see documents in attachments this dispute was not made in error.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have discovered several unauthorized hard inquiries that I did not recognize or apply for. Upon further investigation, I realized my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question. Per section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in 4 days. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing.