23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX - Account # XXXX, has violated my rights. 
Account name : XXXX XXXX -Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed 2 collection accounts with XXXX with Transunion and Equifax only to be ignored. Transunion and Equifax failed to properly investigate my disputes. Transunion removed the collection accounts only to reinsert them 2 weeks later. I have no signed agreements with XXXXXXXX XXXX  what so ever. I asked the company to provide the contract and or a forward flow agreement which they could not. As a consumer Transunion and Equifax has failed as they are reporting inaccurate, incomplete and untrue information on my credit report. This is a violation of the FCRA guidelines. I have attached my identification and a copy of a utility bill as Transunion and Equifax trys to use that as a loophole to not view my claims as valid.

Experian has found my claims to be valid and has removed these accounts entirely from my credit report and I expect Transunion to follow suit.
Product: Credit reporting or other personal consumer reports

them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My complaint is general. It is about the service called XXXX. I have called multiple banks and been allowed to block the service at some, but not others. Banks appear to be using XXXX as a way to avoid liability for fraudulent charges showing up on checking and other bank accounts. It is used by those committing fraud to quickly transfer funds out of a bank account. The banks then say that the transfer was authorized and that they are not liable due to the nature of the agreement with XXXX. 

I am complaining that XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and others are using XXXX as a means to facilitate fraud, and as a means to avoid their legal obligations related to protecting customers from fraud. They furthermore deny consumers ( such as myself ) the agency to prevent such transactions by blocking the service. The service, while convenient, is not without risks and liabilities and not allowing consumers to opt out of such a risky proposition is criminal. 

I'm requesting that XXXX be held accountable to the same banking laws that apply to other banks and money transfer services, and that Banks be required to allow consumers ( myself included ) to opt out of the service permanently, not just temporarily based on the lack of having signed up. 

To be clear, I am not able to opt out of the service completely at any of the above listed banks. I am not signed up for the service, but I have no ability to prevent funds from being used on the service without closing my account and going elsewhere. 

Plainly I can block one bank from another, but I can not block XXXX from any of my bank accounts due to this fraudulent scheme.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been dealing with Ocwen loan servicing for sometime now. I am currently in the loan modification process with a full complete package. While in the modication process Ocwen has a current sale date for XXXX. This is the XXXX sale date put on my house while trying get a modification. This is a violation of my CALIFORNIA XXXX. California XXXX Foreclosure Law. An attempt again to try to commit a Wrongful Foreclosure. There is no excuse that Ocwen can come with to justify this. The foreclosure notice is by a Duly Appointed Trustee. XXXX XXXX XXXX. Which does not own the debt who I would make payments to. CALIFORNIA XXXX SUPREME COURT RULING Feburary XXXX 2016 quoates that in its ruling. A BORROWER DOES NOT OWE THE WORLD AT LARGE ONLY TO A PARTICULAR PERSON OR INSTITUTION. ONLY THE PERSON OR INSTITUTION THAT OWNS THE DEBT AND PAYMENTS ARE MADE TO CAN FORECLOSE. PLEASE STOP BREAKING THE LAW NOW. No excuses. I am very for my life because of the great amount of STRESS OCWEN HAS PUT ME UNDER. I am currently under medical care for my XXXX XXXX. STOP BREAKING THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX ( Collection ) account and ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of late payment on my credit report, specifically concerning the account referenced with Name : XXXX XXXXXXXX XXXX  # XXXX Date Opened XX/XX/XXXX, Date of Last Activity XX/XX/XXXX, Credit Card upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned asepuns are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this acepunt on time, in ascordance with the agreed-upon terms. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late based on the timely payments made. it is imperative that my credit report accurately represents my financial responsibility and commitment to mesting payment obligations. I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. if, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as Paid AS Agreed Never Late. ' Per the FCRA, 1 request that you conduct a timely investigation and provide a written response within 30 days frow the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation.
Product: Debt collection

FBCS collection company sent me a collection notice and claim i owe {$810.00} to XXXX XXXX XXXX. I was able to get them both on the phone and verified that i do not owe any money to them and they never had a patient with my name. I sent letter to FBCS asking for a bill and so far they refused to produce verification of the debt. In the mean time im sick and tired of the letter and phone calls. please have them stop and produce proof. They are obviously breaking the law and harrassing me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to start off by stating how unprofessional Experian is as a company. Their customer service is a disgrace. 
I am making this complaint because Experian continues to report an account that is supposed to be deleted. NYS Fair Credit Act States accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
This account was charged off to XXXX XXXX XXXX and the collection was paid in full and deleted. Now the original trade line is still showing. Experian is not throughly investigating this account and does not allow me to dispute anymore. When I called Experian they agreed that it should be delete but they can't and was told to call XXXX XXXX XXXX. I called them and they stated they can't delete the original trade line. I called the original trade-in company which was XXXX XXXX  and they have no record of the account anymore. 
Then one day I noticed the account was deleted and put back on my report the next day.
Product: Debt collection

I am filing a complaint against LVNV Funding LLC for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from LVNV Funding LLC regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with LVNV Funding LLC. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that LVNV Funding LLC had the legal right to collect the debt. 

Despite my request, LVNV Funding LLC failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt.

Furthermore, LVNV Funding LLC did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations.

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that LVNV Funding LLC immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law.

Thank you for your assistance in resolving 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 und

er 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a con
sumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have contacted the fraud department around XX/XX/XXXX for Eppicard for my NJ XXXX support. They cancelled that card and issued me another card. I called them XX/XX/XXXX to inquire why my account was negative and that's when I was informed that they took the funds back they had credited for those fraud charges, I went to the XXXX  Police barracks, XXXX  XXXX  that same evening to file my report. They denied my claim as they stated " conflicting information '' but after reading many reviews on Consumer Report that is their standard format go to excuse for all of us. I have filed a police report with my local XXXX Police, # XXXX. They, Eppicard never told me to do that initially and they did in their denial letter. Which is now completed. I am not holding out hope but this seems to be very common for them as they do not protect us, their consumers or help to really rectify the problem. My next step is to file a report with Federal Banking Commission. I have several charges for three different XXXX  's XXXX hours away from my home that I do not shop at. I have a XXXX  10 minutes from my home. Charges for a XXXX XXXX  XXXX XXXX in XXXX XXXX California, XXXX XXXX. These are not my charges and will be more then happy to send you my statements that the Eppicard could have referenced to see my shopping habits if their Investigation Department actually did the job.
Product: Credit reporting or other personal consumer reports

I disputed several inaccuracies on my credit report with Experian, including multiple collection accounts that are either unverifiable, incorrect, or incomplete. I submitted dispute letters on [ insert approximate date ( s ) ] requesting validation of the information being reported. Despite my efforts, Experian has not conducted a proper investigation as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( duty to reinvestigate disputed information ) and 15 U.S.C. 1681e ( b ) ( requirement to ensure maximum accuracy ). 

The accounts in question include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  : Reported a balance of {$320.00} with no validation of how the balance increased from the original amount of {$83.00}. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Balance of {$2000.00} was reported with no evidence or documentation supporting this debt. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) : Multiple collection accounts with balances of {$540.00} and {$460.00} are reported with conflicting payment histories and no validation. 
XXXX. XXXX XXXX XXXX ( XXXXXXXX XXXX  ) : XXXX accounts with balances of {$3600.00} and {$3500.00} were reported without proper validation of their accuracy. 
XXXX. XXXX XXXX XXXX ( XXXX ) : An old collection account with an original balance of {$27000.00} remains on my report, marked as disputed but unresolved, with no validation provided. 

These inaccurate accounts have negatively affected my credit score and limited my ability to access credit, housing, and employment opportunities. Despite requesting documentation and validation, Experian has failed to provide any evidence or respond adequately. 

Additionally, the payment histories and balances for several accounts are inconsistent, misleading, or incomplete. For example, balances are listed as past due despite the accounts being charged off, creating further inaccuracies. This demonstrates a lack of compliance with 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ). 

The recent CFPB lawsuit against Experian for failing to conduct proper investigations of credit report errors reflects the same systemic issues I have experienced.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Deletion XXXX XXXX, XXXXXXXX XXXX XXXX Dear TransUnion XXXX XXXX  XXXX I am formally disputing the reporting of the following accounts on my TransUnion credit report : XXXX XXXX XXXXXXXX XXXX XXXX Under my rights as a consumer , I am requesting the permanent deletion of these accounts from my credit report due to violations of federal laws governing the accuracy and legality of credit reporting. 

Legal Violations Supporting My Dispute XXXX. 31 U.S.C. 5118 This statute restricts obligations requiring payment in a particular form of currency, invalidating the imposition of debts in any specific medium that is not legal tender. As such, any alleged debt associated with these accounts must be verified in accordance with lawful money standards. 

XXXX. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) Furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. The reporting of these accounts contains unverifiable and inaccurate information, making them invalid. 

XXXX. 15 U.S.C. 1681e ( b ) TransUnion, as a credit reporting agency, is required to maintain the maximum possible accuracy of consumer credit reports. The continued reporting of these accounts, despite their questionable validity under federal law, is a direct violation. 

XXXX. 15 U.S.C. 1681i ( a ) ( XXXX ) I am requesting a reinvestigation of these accounts. If they can not be verified with documented proof of a lawful transaction, they must be permanently removed. 

Requested Resolution The immediate and permanent deletion of the XXXX, XXXX, and XXXX XXXX XXXX  accounts from my TransUnion credit report. 

A written confirmation of deletion within XXXX  days, as required by 15 U.S.C. 1681i ( a ) ( XXXX ). 

If TransUnion intends to continue reporting these accounts, I demand full documentation validating the legal existence of these debts in compliance with federal law. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to enforce my rights under consumer protection laws. 

I expect your prompt attention to this matter and look forward to your response within the legally required timeframe. 

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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, Account : XXXX. XXXX XXXX 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. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I was contacted by a representative of the scam company ( named XXXX ) through XXXX with the intention of engaging in legitimate trading activities. Initially, the company presented itself as a reputable and trustworthy entity, promising significant returns on investment through various financial instruments, including XXXX  trading. 
Throughout our interactions, communication primarily took place via XXXX XXXX, being instructed I transferred totally XXXX XXXX  to the scam platform. All the transactions were facilitated using XXXX and Bitstamp. These transactions were conducted with the expectation of receiving high returns on my investments. 
However, my concerns began to escalate when communication disappeared. Despite numerous attempts to reach out to the company, there has been no response. 
Matters took a concerning turn when I attempted to withdrawal the funds. Instead of facilitating these requests promptly, I encountered a series of excuses, unexplained delays, and requests to communicate with unfamiliar individuals purportedly responsible for facilitating deposits. This prolonged absence of contact and failure to address my concerns have left me deeply troubled and increasingly convinced of the possibility of fraudulent activity. I am gravely concerned about the status and security of my funds, as well as the integrity of the entities through which these transactions were conducted. 
Feeling increasingly suspicious about these escalating demands, I expressed my concerns and requested a refund multiple times. However, instead of addressing my concerns, they simply banned my account, leaving me unable to access my funds.