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

To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. 

RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! 


I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by Equifax and XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Several transfers were made and we ended up with Nationstar Mortgage company. Spouse passed away suddenly XX/XX/XXXX and I continued to pay the mortgage installments until the property was sold in XXXX. The sale price was based on the monthly online statement received. There were also several advertisements offering to refinance the loan. The amount outstanding on those offers matched the online statements. It was not until the sales contract was prepared that another {$4900.00} ( deferred interest ) was tacked on. Because of this add-on, I had practically no " gain '' from the sale of the property. I believe this is unfair because it should have been included on everything I had received or viewed from Nationstar during the 2 year period I was paying the note.
Product: Credit card or prepaid card

Capitol One reported me to XXXX as delinquent for charges on an account I did not open and didnt authorize anyone else to open. 

They were informed it was fraud months ago, and had already closed the account and had an investigation open months ago, but now they reported ME as delinquent on an account I didnt open and had already told them was not mine. 

I called and tried to get them to notify XXXX the delinquent notification is an error and fraud. They said they will open an investigation and have 90 days to notify the credit bureau. 

I dont want to wait and have them continue to affect my credit score and rating with something they already know is not mine. Every time I asked them to just contact XXXX, they continue to just say the have to do an investigation.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX McCatrthy Burgess XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Verification and Removal Due to Inaccurate Reporting Dear To Whom It May Concern, This letter serves as my formal and final demand for McCatrthy Burgess Wolff, to provide adequate verification of the alleged debt and cease reporting it to any credit bureaus if validation is not provided. This request is made under my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I previously requested validation of this alleged debt and expected a response in compliance with the FDCPA, which mandates providing sufficient verification and details beyond a mere bill statement. The law requires the original creditors identity, amount owed, and validation that this debt belongs to me. Providing a statement or account summary does not fulfill these requirements, nor does it substantiate the accuracy of the debt. As McCatrthy Burgess Wolff has failed to provide proper validation, I demand that : All inaccurate information be removed from my credit report within 15 days of this letter, as its continued reporting constitutes a violation of the FCRA and may result in damages to my creditworthiness. No further contact be made with me about this alleged debt, as outlined under 15 U.S.C. 1692c ( c ) of the FDCPA. I hereby issue a formal cease-and-desist on all communications regarding this matter. Failure to comply will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I reserve the right to pursue all available legal remedies for violations, including damages under 15 U.S.C. 1692k. Please consider this letter as my final demand to resolve this matter amicably. I expect prompt and full compliance to prevent escalation. Sincerely, XXXX XXXX
Product: Credit reporting

My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I was notify the I may have been affected and my identity theft so I would like more information on this as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax sent me a promotional offer of {$9.00} per month with no expiration date to accept the offer. On XX/XX/XXXX I signed up for services and my account was charged for the {$9.00} but when attempting to log in the website told me I had no active product. 

When calling the Equifax contact center they told me on XX/XX/XXXX and XX/XX/XXXX that my account was not charged and therfore they refused to assist with providing a refund or activating the services. They were very unfair about the process and stated there was no way I was being honest about being charged {$9.00} for the product. I explained i had a bank receipt with the date and time of the charge and they would not accept this as proof. Equifax then tried to sell the same product for {$19.00} and this seemed like an unethical dales practice. 

On XX/XX/XXXX the contact center representative asked for my full XXXX digit debit card number and then admitted he would be turning off the call recording while I provided my sensitive debit card information. This seemed very unethical and I know realize Equifax contact center representatives have the ability to alter call recording procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance Owed : {$3100.00}
Product: Checking or savings account

XX/XX/year> my account was access to transfer money to an unknown account. There was XXXX transaction that I wasnt aware of. Police report, identity theft was made as well. My personal information is breached accounts, cards etc has been access, my info such as pin, email, phone number been leaked. I advise them of this and this still denied my dispute. They deny every dispute but this one I will not let go as its not right someone use my account.
Product: Debt collection

On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!
Product: Credit card or prepaid card

Sam 's club credit master card issued by Synchrony Bank, last XXXX digit card # XXXX, i order a XXXX XXXX from Sam 's club through on line on XX/XX/22 but quality not same i ordered on line then i called Sam 's and returned it as per discussion on Sam 's, XXXX picked up on XX/XX/22, XXXX ref # XXXX dated XX/XX/22 and Sam 's XXXX request ref # XXXX dated on XX/XX/22, i talked to Sam 's club credit department to get my credit to account but they said it will take time XXXX to XXXX weeks but i don't any credit yet, i called today on XX/XX/22 and her name XXXX, she said she's XXXX of department, she said case closed? not sufficient documentation, so i asked XXXX please XXXX this case, so i can get my refund amount to my account as your earliest convenience, I have all document if you need i'll send it to you. 
Thank you in anticipation, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Texas XXXX ph # XXXX XXXX XXXX ( Home ) XXXX XXXX XXXX ( cell )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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, credit repair services, or other personal consumer reports

Contacted company about an auto loan showing in my name that is fraudulent. I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal bill to compare against on my drivers license address. Credit Acceptance is based out of Michigan according to the website and this loan was opened in XXXX  XXXX they informed me when I live in Wisconsin. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraud items on my credit report, all the other credit bureaus have removed and corrected this information expect Experian although I have provided all the information they requested of me including police report. 

Fraud account ; XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX   XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Fraud Inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Debt collection

I am guarantor for my son 's lease of a " cottage '' up at XXXX XXXX, PA for school year beginning XXXX and ending XXXX. We helped him move out at the end of XXXX ( XX/XX/XXXX ). The lease was with " XXXX XXXX at XXXX XXXX '' and they apparently send any final fees owed to them to a collection agency, in this case it was " Columbia Debt Recovery LLC, dba Genesis ''. 
We received our " Initial Notice '' email from them on XXXX XX/XX/XXXX at XXXX that we owe {$170.00}, which includes {$0.00} in interest charges. 
I called " Columbia Debt Recovery LLC, dba Genesis '' at the number listed in the email to get a list of items we were being charged for after leaving the rental property. 
I stated I am OK with the charges and that I would pay within the next couple of days via the online link provided in the email. 
The representative then proceeded to inform me a accruing interest on a daily basis and stated if I pay NOW over the phone the {$0.00}, in interest will be " waived ''. 
Well, that didn't go over well with me, I then asked about this interest and the representative stated that it has been accruing since THEY were notified to collect the debt ( I believe she stated XXXX XX/XX/XXXX ). 
I then asked, how is it they can charge me interest starting from XXXX XX/XX/XXXX when I just received the initial notice today. 
NOTE : The representative did state at the beginning of our conversation that it is being recorded. 
Today, I am writing them a check and mailing it for the amount they say I owe MINUS the {$0.00} interest they claim I owe. 
I am writing to you to report this because I am thinking this is illegal activity and how many other people have they done this to where people just go ahead and pay the interest.
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Money transfer, virtual currency, or money service

I am a PayPal customer. My email is : XXXX On XX/XX/XXXX, I received an email stating that I can no longer use PayPal. No specific reason was given. After a review, we decided to permanently limit your account as we found potential risk associated with it. 

I was quite surprised because I have never had any issue with my paypal account. I checked the terms of service / service agreement and can not find any action the would constitute a violation. 

I called paypal customer service that day. The agent who took my call looked at my account and agreed that nothing at all in my transactions looked suspicious. He put in a request to have my account get a second review, as he thought this may have been a mistake. The ticket number on that is : XXXX. I have not since been contacted by anyone at PayPal about my issue. 

Since your email informing me that I can no longer use PayPal does not specify the reason why you believe there is a potential risk, I can not address the issue. But I can say that I have never had any problem with my PayPal usage. I can only guess that perhaps my usage internationally caused a concern. However PayPals own website promotes and encourages international usage. From your web page : We get where youre coming from. 
We are available in more than 200 countries/regions and support 25 currencies. Send and receive payments easily over borders and language barriers. Were here for you, wherever you are. 

I am XXXX XXXX XXXX and after retiring last year I am now able to fulfill my retirement dreams of traveling. Ive used paypal to pay merchants accepting paypal for such typical travel needs as airline tickets, airport car service, and internet access providers. Both countries Ive used PayPal in are listed as accepted countries on your website : ( XXXX and XXXX ). Ive never had a dispute with any merchant, never asked for a refund, never violated any conditions of use. 

I find PayPal to be my preferred method of payment for merchants who accept PayPal because it is convenient, safe and secure. 

What have I done wrong to have my account limited and not longer able to use your service? 

I would like very much to have the limit on my account removed so I can continue to use PayPal to pay for services. I assure you that I have done nothing wrong and my usage poses absolutely not risk at all. 

Thank you for your consideration. 

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

I provided written notice to XXXX XXXX XXXX XXXX expressing that I wish to exercise my right to opt out of the sharing/reporting/sale of my non public personal information as it violates my right to privacy. 
See, Auto loan : XXXX, Account Owner : XXXX XXXX XXXX XXXX Principal balance : {$9400.00}. It is being reported to non affiliated third parties and I am requesting that such information be removed for these non affiliates, database. These non affiliates have stored this information shared it inaccurately, and have sold it. It has been reported incorrectly on my consumer reports with multiple different reporting agencies, and I now request that the CFPB preforms in its duty, to enforce my rights as a consumer. Per, 15 U.S.C. 6801-6805 and, 16 CFR 313.7 I am aware, You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
I am aware of, Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I am also aware of Duration of consumer 's opt out direction. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 
Let this serve as notice of my request for OPT-OUT.