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. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX7 , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX  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: Payday loan, title loan, or personal loan

This company calls around 15 times a day for past due payments even when asked to not call.
Product: Debt collection

I'm in the process of cleaning my credit and came across this account in my file. I'm unaware of this account and it's association to me. Please provide validation as per the fair credit reporting act. Please send copies via mail of original documents with signature, breakdown of charges and balances.
Product: Debt collection

I am the victim of the XXXX XXXX XXXX, I just became aware of this and have recently noticed errors and an Increase of collection activates from several creditors asking for my personal information via Telephone, Account errors reported on my credit report including addresses that I have never occupied. Portfolio Recovery Is the worst one calling repeatedly asking for personal information that I am not willing to discuss with anyone over the phone.
Product: Student loan

These choices weren't really up my alley on what I'm seeking help or information for, I'm going to paste the email I sent to dept of education bowworers defense. I haven't got an answer or reply from them so I'm reaching out to multiple people to see what my options are. 
" I actually have 2 different reasons i could possibly get borrowers defense for, just need some insight and a point in the right direction. 

the school i was attending closed, the problem is that its past the 120 day mark. I was a straight A student ( still have all deans highest honors certificates ) for the almost 2 years there. It was going to take me longer than 2 because i worked full time and went to school part time. While enrolled in school i was going to become a first time father real soon. I explained to everyone of my teachers the situation ( working full time and a father ) and not only told but asked them about taking some time off school and coming back when i got situated. not only did i get the approval i would get check up phone calls and emails on how i was doing and coming back. I had every intention of finishing my degree especially knowing i didnt have much left at all, then i found out on XXXX that it closed for good. 
my federal loans are through navient ( lawsuit against how navient handled loans ) while i was off my loans got put into deferment, i don't know much on how they ended up in default and with navient, i wasn't aware of the massive interest deferment would build up, i didn't learn about this until i tried to purchase a home for my family. My credit score had got completely destroyed, after getting a hold of navient, having my taxes taken twice, i was able to get an income driven plan set up, took a lot of money and time to get them in good standings, they gave me 2 years worth of deferment not knowing the interest penalty i would end up with ( used some here and there during tough times before i just learned what they are accused of ). and with the little bit of money I make and supporting a family without my degree i accumulate way more interest than i can even afford as a payment, it just went up over {$1000.00} on my credit last week. ''
Product: Credit reporting or other personal consumer reports

I mailed out a letter to IC Systems INC on XX/XX/2024 Requesting proof of a purchase agreement and to validate this debt and also showing that on the NMSL consumer access shows that they do not have the license to collect in the state of GA and ask them to immediately to remove this from reporting to all credit bureaus. As I look today it is still reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent my mother T-shirt dollars thru the cash app account. She never received it. On Friday I attempted to resolve the issue with cash app. I called them and they attempted some trouble shooting technique that didnt work and told me that they needed me to transfer XXXX dollars to my cash app account so they could verify my transactions and they would give me the place the funds back into my scoping once they were able to verify the transaction. I refused and he said he would need to gain remote access to my phone through quick support app. That didnt work so he ask me to go and purchase a XXXX dollar XXXX XXXX card an give him the code off the back. He stated once he was able to verify it he would refund the XXXX dollars for the XXXX XXXX  card and the original XXXX dollars. When he came back on the phone he stated the he would not be to verify the transaction with the XXXX dollar XXXX XXXX card and I would need to purchase another card with a XXXX dollars on it. I refused and he said there would be nothing else he could do
Product: Debt collection

My ex husband and I rented a house in XX/XX/XXXX. At the end of the year I signed off of the lease and my ex signed a new lease in XX/XX/XXXX. He accrued many charges for damages and nonpayment. The landlord submitted the debt to a debt collector who in turn reported it to MY XXXX report. I asked for proof and he sent only the list of charges and the lease I had signed in XX/XX/XXXX, which was not applicable to the charges and debt. All parties understand that I am not responsible for these charges and the landlord acknowledged this as well. The original lease is NOT proof that I was on the new lease. The debt collector XXXX XXXX XXXX XXXX failed to provide proof that I was on the new lease and used to old lease to incorrectly 'validate ' the debt with XXXX XXXX This is causing me many problems with rental companies and acquiring loans. I have recently been denied an apartment on the basis that I have too much debt ( this debt ) which is related to a rental property. This is not my debt and needs to be removed from my credit report IMMEDIATELY.
Product: Mortgage

I closed on my mortgage on XX/XX/2018. The mortgage company is Freedom mortgage. I held the the mortgage for approximately 10 years and never had a late fee. I was told that since I did not send my XXXX payment in, due to closing that was scheduled for XX/XX/2018, and it was over 30 days, they had no choice but to report against my credit. It was one day over 30 days when the mortgage was paid in full. 
Freedom mortgage XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a XXXX? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track fed ex.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new XXXX to maked good, but only ater lost of service.. we bought ddition protection XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on XXXX same day to our XXXX XXXX XXXX collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP ME!!! 

Experian actions has made it impossible for me to find a place to rent which has caused me to become homeless. They sent a letter saying they will not re-investigate my disputes without sending more information. The burden of proof is not on the consumer. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am XXXX XXXX veteran and need a place to live. They are extremely causing a huge burden on my life. 


XXXX XXXX account balances does not match on reports. EX {$12000.00} ; XXXX XXXX ; XXXX  XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete EX {$33000.00} ; XXXX XXXX ; XXXX  XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. Clearly error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. Clearly an error. 
please delete XXXX XXXX XXXX Please remove duplicate account with payment status " unknown '' is inaccurate. 
Account paid never late which is reflected on the original account XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau XXXX, Equifax, XXXX and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company multiple communications attempting to request validation of the alleged debt. The company has not once responded with anything that validates this alleged debt, yet they continue to report a debt on my credit report on a monthly basis. Please send me information that verifies this belongs to me and that it is 100 % accurate. I am not sure who this company is or why i owe them. I never had business with Credence or agreed to any transaction with them that makes me owe them money. If they bought debt from someone else, they need to reach out to who they bought it from for payment.
Product: Debt collection

Debt Validation Request To Whom It May Concern, I am formally requesting that you validate the alleged debt as reported to me. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation to verify the debt : Proof of Ownership : Documentation or a signed agreement with the original creditor verifying that the debt belongs to me, including my signature.

Debt Assignment : If this debt was sold or assigned to your agency, please provide proof of assignment or transfer of this debt from the original creditor to your agency.

Account Statements and Payment History : Full itemized statement detailing the original amount, payments made, and how the current balance was calculated.

Breakdown of Fees and Interest : Documentation showing any fees or interest added to the balance, along with the authority by which these charges were applied.

Statute of Limitations Verification : Confirmation that this debt is within the statute of limitations and can still be legally collected in my state.

Please consider this letter a written dispute of the debt, and do not report this alleged debt to any credit reporting agency until you provide adequate validation. If you have already reported this debt, please inform the credit reporting agencies that the debt is disputed under the FDCPA.

Please be advised that I am not acknowledging or accepting responsibility for this debt unless you provide proof that it is valid. Until such documentation is provided, cease all collection activities related to this matter. 

Thank you for your prompt attention to this request. I expect a response within the legally allotted 30 days. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Miramed Revenue Group alleges it has an account pertaining to XXXX XXXX in their possession. Attached is the billing statement from that provider office. All dates of service were covered by insurance, however, the insurance company indicated that the provider coded improperly/different for the service date of XX/XX/2017. A co-payment was made as required by XXXX XXXX. Again, neither XXXX or the provider office submitted bills to the insurance company regarding XXXX. It can be ascertained that an adjustment was made to one bill by XXXX but not the other and neither were insurance adjustments. Therefore, these bills have been sent back to XXXX as well. Both the providers office as well as XXXX was addressed prior to this and no changes were made as of this date. However, I paid for insurance, therefore the insurance will be the primary payment and as already stated, I will be responsible for co-payments. Both dates of service provided the same care and XXXX, so there should not be any significant balances between the two dates of service.
Product: Debt collection

On XX/XX/2019, I, the consumer 12 CFR 1026.2 ( 11 ) XXXX, XXXX, XXXX fill out a credit application 12 CFR 1026.2 ( 3 ) ( i ) for Capital One bank. I extended my consumer credit 12 CFR 1026.2 ( 12 ) to Capital One. In the credit application, I provided my credit card 12 CFR 1026.2 ( 15 ) ( i ) and was approved for the extension of credit. Capital one then submitted to the consumer a credit sale 12 CFR 1026.2 ( 16 ) which the consumer fill out to complete the process. Since the date of opening the account, the consumer receives billing cycle 12 CFR 1026.2 ( 4 ) every month with the amount due for what the consumer spends on the credit card. Capital One gives the consumer a minimum payment due and the account balance to make a payment to, either suggestion on the consumer 's behalf. The balance increase until the consumer pays the whole balance in full to zero out the balance. I, the consumer have been paying the full balance for XXXX years now which would be false and misleading on the behalf of Capital One. According to 12 CFR 1026.4 finance charge is the cost of credit as the dollar amount. Capital One has been fraudulently misleading the consumer for years making the consumer pay the full amount of balances on his credit card. The consumer has caused a trauma amount of XXXX, XXXX, and money for the false and misleading information. The consumer demands a full refund from all payments made after the finance charge paid over the XXXX years of the opening account.
Product: Mortgage

We refinanced want now have PHH and our mortgage servicer. Recently my husband XXXX XXXX received 100 % total and permanent XXXX from the VA. That means that in TX we dont have to pay property taxes. I contacted PHH mortgage and asked for a review of the escrow acct to have the payment adjusted and get a refund of over {$5000.00} for the escrow overage we now have. PHH rep told me that the payment had been adjusted and that a refund check was going out in a week. I follow up with another rep a week later and they are telling me that they only partially reviewed the escrow acct and they have not issued a refund. I explained that a refund is owed because there is now a huge overage in our escrow acct for taxes that we no longer owe. PHH mortgage alread is aware of this because they already adjusted our payment but are not refunding our escrow for this amount. I talked to a supervisor and he told me he would call back no one has. They are holding our money
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

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

My name is XXXX XXXX I have sent dispute letters to Experian XXXX and XXXX and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my UPLIFTINC - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I contact XXXX regarding this Debt collection from XXXX XXXX in XXXXXXXX XXXX. The debt was paid in full & also didnt belong to me but is currently still attached to my credit report. I went through every avenue to get this removed. The amount was for {$150.00} dollars & the date it was added to my account was XX/XX/22. I contacted the collection agency & they stated that they removed it but XXXX hasnt complied.
Product: Checking or savings account

Citibank has closed my account and has not release my funds. My account was closed since XX/XX/XXXX, to date, it is XX/XX/XXXX. I have previously filed a complaint with CFPB regarding this issue however Citibank has not rectified the problem.