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

I am submitting this CFPB complait to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts that was late on my credit file. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This account should be corrected right away : XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Between XX/XX/2023 and XX/XX/2023, your XXXX/CITY NATIONAL BA mortgage balance increased by {$1900.00} from {$320000.00} to {$320000.00}. 

account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained Educator with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Money transfer, virtual currency, or money service

Fraud at USAA FEDERAL SAVINGS BANK EX-Spouse collected stimulus of {$1400.00} XXXX XXXX XXXX I have stated numerous claims to this institution regarding Identity Theft and Fraud with personal information. 

The claims go unresolved.
Product: Debt collection

To my recollection XX/XX/XXXX Unifund CCR Partners seized money that I had in XXXX. I never received any notice or certified mail regarding any type of court dates. The debt was not owed to them directly. They bought the debt from XXXX. Then XX/XX/XXXX they garnished wages from my employer. To date they 've taken over {$3000.00}. I was recently contacted and notified that I was part of a class action lawsuit against Unifund CCR Partners because of their illegal and unethical business practices. Which is exactly the case with me. I won a very small amount because of the number of claimants. But nevertheless, I won the case against them.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy Equifax and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by 15 USC 6 801 which states it is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information.

Furniture of information to create agencies is a financial institution by definition under that title 15 USC 1681 section 604 section 2 states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or XXXX any and all consent to Equifax, XXXX XXXX and XXXX whether it be verbal nonverbal written implied non-written or otherwise is revoked 15 USC 6 802 section B section C states that a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that 15 USC 1681C section a five states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting 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.

This account is an adverse item. They are reporting again without my permission which is against the law 15 US code 16 812 section one a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate 15 USC code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the proposed listed on section 1681B of this title Equifax and XXXX XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..
Product: Money transfer, virtual currency, or money service

I had set up a PayPal account around XX/XX/2023. I was anticipating an acquaintance to transfer {$90.00} but in the end we met and the exchange was made in-person. So I rejected the payment on the platform. The transaction no longer exists on the platform. 

However, PayPal for some reason deemed the transaction as requiring an invoice. I was sent a notice from PayPal that in order to continue to use the platform I need to enter required information. I had no intention of continuing to use the platform and tried to close and delete all information. PayPal refuses to allow this account to be closed. They require me to enter personal and banking information before they will accept my request to close the account. In a chat exchange they informed me that all my information will be held for a period of time before the account is completely closed. 

I see no reason to give Paypay personal and banking information to close an account I never used. They must delete my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to login into my account. No matter what information I enter I am locked out.
Product: Mortgage

I have a XXXX mortgage loan opened in XX/XX/XXXX that is serviced by Wells Fargo. I have never made a late mortgage payment ( with WF or any other provider ). 
In XX/XX/XXXX, I requested the mortgage forbearance program Wells Fargo calls " short term payment suspension '' from XX/XX/XXXX - XXXX XXXX ( 3 months in total ). I was qualified for 18 months, but chose instead to resume payments beginning in XX/XX/XXXX. 
Related, under Minnesota Statute 47.20 subd. 9 ( b ), borrowers have the right to discontinue escrow accounts after five years. Wells Fargo was late in notifying me of this right : I was owed notice by XX/XX/XXXX ( five years after loan origination ). They notified me in XX/XX/XXXX, along with a " we're sorry we didn't notify you when we were supposed to '' letter. This timing collided with my request for forbearance, and was declined. 
Now it is XXXX and I have well resumed timely payments, I inquired again about discontinuing escrow payments, but have been told via letter and phone call/s that my " late '' payments disqualify me. I have no late mortgage payments : I used a CARES Act-enabled payment forbearance. 
My complaint, then, is twofold. Wells Fargo considers my forbearance program participation to be the equivalent of " late '' payments. I ought to have no late payment records. Second, my Minnesota statute-enabled right to discontinue escrow account is being denied because Wells Fargo was one year late in notifying me, and ( subsequent to the CARES act forbearance ) now consider me a " late '' payer and somehow unqualified to exercise this right.
Product: Debt collection

I am a victim of identity theft. Cause of the data breach at XXXX. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Company absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$12000.00}. XXXX XXXX - XXXX XXXX  XXXX  opened on XX/XX/XXXX and a balance of {$5000.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. I dispute the missed payments and late payments on this account. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX with a balance of {$250.00}. XXXX XXXX XXXX  and a balance of {$2000.00}. XXXX XXXX XXXX with a balance of {$1000.00}. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX from XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report this account and it should be removed since it was first reported on XX/XX/2011 and should come off in 7 year window. XXXX accepted an amount lower than the amount owed in a collection agreement but still continues to remove this account from my credit report. I have previously disputed as being paid and they refused to remove this and instead listed status as Updated in dispute. When I went through the collection process, I was informed that if I paid off the amount being requested, this would be removed from my credit report once paid and it has not been.
Product: Checking or savings account

I was trying to purchase dinner XX/XX/year> and my account got blocked after numerous attempts to pay for dinner. I called and they said my account was flagged and they are reviewing and would be resolved in XXXX hours. Its now been over XXXX hours and they still wont tell me why my account is on hold and keep saying that its going to be XXXX hours more and have no time frame on when this will be resolved. In the meantime I am not able to access my money for food or basic necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One Auto Loan is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I have recently received my credit reports and I am writing this letter to dispute the following account that was removed from my XXXX report but still remains on my other credit reports : XXXX XXXX, XXXX XXXX Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX C & XXXX from the accounts that has been charged off. ( XXXX XXXX ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Product: Debt collection

I took a loan XX/XX/2018 with Cashnetusa. The company did not try to work with me at all when I lost my job. The sold my account to this company and now getting harrased from all different numbers because I cant afford to pay the loan back. My balance increased from XXXX to over XXXX. I need help. I dont owe this amount and they should write off the balance. 8 found out that cashnetusa is not legal in the state of VA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I wrote Resurgent Capitol Services in XXXX And and asked them to verify an account they have listed On my credit report by sending me the original documents that have my signature on it. Binding me to that account, they replied. 
In a letter that is dated XXXX, the XXXX XXXX, with A blank contract. It's just a template for a loan agreement and promissory note from what is labeled. The XXXX XXXX XXXX. There aren't any dates, signatures or Amounts on the contract that they sent. 
Per the Fair credit report act, this is not proper verification Of me owing any debt to the their company?
Product: Credit reporting or other personal consumer reports

I lost my social and Ive had multiple hard inquiries that I dont recognize in my credit report, I contacted the bureaus showing the inquiries but they have not dont anything about it.
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 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, 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: Mortgage

On XX/XX/XXXX I paid out Caliber Home Loans - loan number- XXXX. According to my mortgage statement I had an escrow balance in excess of {$1100.00}. I sent 2 e-mails starting on XX/XX/XXXX and have left 2 messages. To date no response. Their automated system states that they will get back to you in 5 days that didn't happen. 
Their XXXX number is XXXX. According to RESPA the refund should have been issued within 20 days. 

Mr. XXXX XXXX is the Chief Executive Officer and should be made aware of what I believe to be a gross negligence that could result in a revocation of a Lender License for not complying with Federal Laws. At the least customer correspondence should be answered in a timely manner. 

My number is XXXX Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to TransUnion because I noticed a lot of inquiries was on my credit report. I dont check my credit often. They refused to take them off even after I sent them a letter asking them to do so. I didnt not give anyone/company written or verbal consent to ran my credit for anything. These inquiries are making it hard for me to get approved for loan because my family and I have nowhere to go and need funds to pay for a hotel room. Can you please assist me with this matter please. These are all of the inquiries that I need help removing XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX