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

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Submitted application for XXXX XXXX credit card due to my credit file being restricted to obtain credit without verification I had to do extensive verification I went through that process with representative as she verified identity she proceeded to process my application when she presented me status she stated it was denied due to info not being verified I find that hard to believe with every piece of information matched up to my identity as well as what is on credit file I feel as this is an act of discrimination why credit wasnt granted and I want this to be looked over the reason for decision was not warranted and not fair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of late payments reported on my consumer report for the following account ( s ) : XXXX XXXX XXXX  XXXX TransUnion has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) in verifying the accuracy of these reported late payments. I submitted a reinvestigation request on XX/XX/XXXX, and I received notice on XX/XX/XXXX that the company was still working on the matter. However, I only received a response on XX/XX/XXXX, which was vague, automated, and failed to provide meaningful verification or supporting documentation. 

To ensure compliance with federal law, I am requesting the following documents and evidence regarding the reported late payments : Periodic Billing Statements : Copies of billing statements issued by the creditor, as required under 15 U.S.C. 1666b, to confirm that statements were sent at least 21 days before the payment due date.

Delinquency Notice : Proof that the creditor delivered or mailed a delinquency notice informing me of the missed payments and subsequent late payment status. 

Late Payment Notice : Documentation that a written notice was mailed or delivered at least 21 days prior to the payment due date, per federal requirements. 

Written or Oral Transmissions Between TransUnion and the Furnisher : Evidence of all correspondence between TransUnion and the data furnisher during your investigation. Specifically, I request written and oral communications, between you ( TRANSUNION ) and the furnisher not records of automated processes or verifications. 

TransUnions reliance on automated verification systems during my reinvestigation is inadequate and does not comply with 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation into disputed information. Furthermore, 15 U.S.C. 1681e ( b ) mandates that TransUnion ensure maximum possible accuracy of the information reported, which can not be accomplished solely through automated processes. 

The systemic deficiencies in your dispute investigation process have resulted in inaccurate information being reported on my consumer report, causing financial harm, including higher interest rates and credit denials. If TransUnion can not provide the requested documentation to substantiate the accuracy of these late payments, I demand that they be removed from my consumer report immediately. 

I look forward to receiving a written response, including the requested documentation, within the 30-day timeframe required by law. Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : 1.PARAMOUNT RECOVERY SYS. XXXX XXXX XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT ALL XXXX PROOF AND ATTACHED DOCUMENTING SHOWING MY CONSUMER REPORT 'S SHOWING INACCURATE REPORTING FROM XXXX XXXX, AND XXXX XXXX REPORTING INACCURATE INFORMATION ON ALL XXXX OF MY CREDIT REPORT 'S. XXXX HAS BEEN THE ONLY CREDIT REPORTING AGENCY ACTUALLY REMOVING OFF MY CREDIT REPORT! XXXX I AM NOT ASKING YOU TO VERIFY, I AM TELLING YOU TO REMOVE OFF MY CREDIT REPORT! TRANSUNION, YOU ARE ALWAYS HAVING ISSUES WHERE I AM NOT ABLE TO FILE ANY DISPUTES AND UPDATE DOCUMENTS OR YOU START A DISPUTE AND NEVER SHOW ME THE OUTCOME.ONCE AGAIN FOLLOW THE LAWS THAT CFPB AND FCRA HAVE PUT IN PLACE FOR YOU TO FOLLOW. YOU ARE UNDER A XXXX XXXX : Credit reporting agency ( also known as credit bureau ) - Major consumer and commercial credit reporting agencies that have signed agreements Memoranda of Understanding ( MOUs ) with Government agencies to receive and integrate credit information ( data ) from voluntary subscribers ( Federal agencies and private sector entities ) into their respective database. In turn, this information is sold, oftentimes by smaller credit reporting agencies, to purchasers of credit data ( in the form of credit reports and other products ). The credit report, etc., is used to determine creditworthiness, conduct credit scoring, assist with collection efforts, or for other permissible purposes as defined by the Fair Credit Reporting Act. 
YOU ARE REQUIRED TO FOLLOW THE FEDERAL CREDIT BUREAU LAWS AND YOU ARE NOT! 
ONCE AGAIN, THESE COMPAINES ARE REPORTING INACCURATE INFORMATION ON ALL XXXX CREDIT REPORTING FILE PER FCRA ; The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 
YOU ARE NOT FOLLOWING ANY LAWS, ONCE AGAIN I AM NOT ASKING YOU TO VERIFY ANY INFORMATION. THE INFORMATION HAS ALREADY BEEN VERIFY AND REPORTING INACCURATE, SO DELETE!
Product: Credit card or prepaid card

Sometime several years ago I began getting statements from Pay Pal Credit and was shocked since I don't pay via pay pal when I order on Amazon.com. I filed a complaint against Pay Pal Credit and soon realized there had been numerous complaints lodged against the entity by thousands of American citizens and the Federal Gov't sued for opening up credit accounts on people without their permission or knowledge. Pay Pal Credit even accessed my personal credit history without my knowledge. I thought the problem had been rectified, but now as of a few weeks ago, I received a letter from Synchrony Bank stating they are taking over my Pay Pal credit line. The letter states Revised Terms as of XX/XX/2019. I don't even use PP Credit. I have a XXXX and an Amazon Store Card and those are the only cards I use to pay for Amazon purchases as those cards generate points that I can redeem for cash. 

How do I stop this? I don't even know what the account number is other than XXXX. I am afraid that someone phishing could steal my identity and run up a Pay Pal Bill in my name. I've already had my data breached via an online nursing continuing education website and my credit is being monitored by XXXX XXXX services for the next year. After that, I do not know what could happen.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX. WITH A REPORTED BALANCE OF {$1600.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion not so long ago, had a server error, in which deleted inquires from the credit report! Instead of following section 6.11 of the / FCRA I did not receive a letter within five days, and Transunion just placed the inquiries back onto my  report. 

I reached out at XXXX and was not given any assistance and they acted like there was not a problem, when in fact there was. 

I am requesting any and all credit inquiries from my Transition report to be deleted as it did not follow the FCRA!
Product: Consumer Loan

We applied for a loan with Citizens Bank and received confirmation on XXXX XXXX 2017 at XXXX. We called XXXX to get all the payment details only to find our first payment was due XXXX XXXX. 25 days after finding out our loan was accepted. We then requested to set our payment up on XXXX XXXX each month. This would be auto paid. They told us they can not change the payment date. The rep said the repayment starts 30-45 days after the funds are sent. We are at XXXX so it is n't even following their own rules. The rep then told me to call Citizens to ask them to change the date. I call Citizens and they tell me they ca n't change the date but XXXX must. I ask what the grace period is and the representative says " your loan does n't have a grace period. '' So I call XXXX back and they inform me a supervisor will call in 24-48 hours. I call XXXX back and they tell me again they set up payments in 30-45 days but mine is still set up in 25 days not enough time to get my funding spread out without double paying. We this time just request XXXX XXXX 2017 as the first payment. This request is denied despite being within 30-45 days per the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with XXXX, Experian and XXXX. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with XXXX, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.
Product: Debt collection

I called hunter warfield spoke with XXXX XXXX  tried to resolve balance with XXXX XXXX, she was rude and also stated I had a judgement placed against me which i am unaware of. i asked to speak to a supervisor she became rude and stated '' he's just gon na state the same thing I'm telling you '' finally transferred me to XXXX XXXX after leaving me on hold for a long period of time. I made an offer due to my income I was willing to pay XXXX due to what I got on my taxes, I'm a single mom of XXXX. I explained to him I had to move due to my daughter having XXXX XXXX XXXX. I explained to them my taxes were XXXX and I was willing to give them the whole thing, knowing that this debt is 4 years old. he then returned to me that it doesn't matter how old the debt is the client will only take 80 %. After he told me that I asked if he could take my offer back to the client XXXX stated that " HE WILL NOT TAKE THE OFFER OF XXXX BCK TO THE CLIENT CUZ HE DOESNT HAVE TO ''. I felt there was no option but for me to file a complaint due to them being rude and unprofessional and untruthful in regards to the judgement. Tried to setup payment plan they stated that it would not update on my credit report, again I am a single mom of XXXX and my daughter needing the extra medical services due to her XXXX my finances are very tight. After speaking to XXXX he did no try to help me with this at all and he hung up abruptly with out hope to resolve this matter.
Product: Payday loan, title loan, or personal loan

Loan Fraud : GreenSky LLC Acct. # XXXX An XXXX  XXXX XXXX XXXX representative offered to do home improvements about 6 years ago for {$8200.00} at 3 % APR for only {$95.00} a month. When I got the bill it said, " Greensky. '' " interest rate : 5.99 %. '' I was annoyed that it was higher than quoted, but I thought that was still a good annual percentage rate for home improvements. 
The work was done. I have been making monthly payments, on time, all these years, and I noticed that I still owe more than half of the original {$8200.00}. I must have paid out almost {$6800.00} by now, and the current bill says that the balance due is {$4400.00}. 
I just used my calculator and ( even at 5.99 % instead of 3 % ) 5.99 % of {$8200.00} is {$490.00} {$8200.00} + {$490.00} = {$8700.00} {$8700.00} - {$6800.00} = {$1900.00} I should owe that amount, not {$4400.00}. 
Then I realized the 5.99 % is a monthly rate. Does that mean the annual rate is really 71.88 %?? The kicker is, I'm XXXX. I sold that house 3 years ago and didn't pay off the loan because the interest was so low.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " XXXX  '' in the payment history/summary consecutively for the last 8 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I'm concerned. I just got this letter from Navient. Before proceeding I want to ensure it is legitimate & that good faith & honesty will be integral to our communications. I did a web search & found that there are outstanding lawsuits against them. Also, I don't have the means to do more than chip away at this debt. I'm XXXX, XXXX XXXX XXXX, & on XXXX. If my XXXX were taken away or significantly reduced, I wouldn't be able to survive. Presently I receive {$1200.00} per month. I'm willing to pay as much as {$50.00} per month, knowing that will only chip away at the principal. Unless I come into some money or live surprisingly well beyond my normal life span as a XXXX, XXXX XXXX XXXX man, I will pass on before making any serious dent on this debt. Please advise me. Can I possibly negotiate with them in a productive, constructive resolution of this matter?
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 the 15 USC 1681. 

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

15 U.S.C 1681 Section 604 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 items of information, other than records of convictions of crimes which antedates the report by more then 7 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

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 XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXXF # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with furniture row and was having monthly payments taken out of my account. The decide to go with another bank and closed my account without notification because the chose a different credit card company to go with. I notified the credit bureaus because it causes my credit score to drop. I am having major problems with Equifax I called them because my score has dropped like 50 points in the past month. I have no new loans or credit cards and no new delinquent accounts Shows nothing has changed but my credit score keeps dropping. I am concerned there is a breach or something happening on my report. My transition had dropped some but not like Equifax. I contacted them and they couldn't give me an.explanation I have a fraud alert already on my accounts. I have done nothing for my credit score to drop that much and I need an explanation. I have seen.my credit report and I can't find anything different besides furniture row doing what they did. That account has always been in good standing and they close that account on.me and it's affecting my credit report and it isn't my fault. Please look into Equifax. Something is going on. I have read online that other people 's scores have been dropping like that too for no reason and the main problem.was Equifax. I am.very concerned. I also have a XXXX XXXX  in collections for {$620.00} and I no recollection of this account. I have disputed it and it is fraud and they say it's accurate and it's not my debt. It's fraud.
Product: Debt collection

Upon careful review of my credit reports I found a collection agency attempting to collect a debt without providing me any written or verbal communication to dispute this item. I have no knowledge of this said debt nor did I open account with this company or the company they are trying to collect for. No contract.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt.  Below are a few questions, which may help you to resolve these mistakes.   <P/> You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.  <P/> In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.
Product: Prepaid card

My card was used for several days without my knowledge by obvious thief 's with knowledge of this particular scam. I have attached all purchases made that were not made or authorized by me in any way. The company is refusing to do anything about it because it was digitally authorized. Whatever that means. I've been in contact with them for over a month now trying to find a resolution and I just received a letter from them ( attached ) that their not going to do anything about it and the case is closed.