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

On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies.I sent a letter to XXXX asking them to investigate these accounts ( XXXX Bank XXXX, XXXX Fed XXXX, State Employees Cred U XXXX ) I sent it certified mail. They sent me their XXXX and said those accts are verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states 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 credit bureaus did not reinvestigate and violated my right.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, There is a charter communication account on my 3 bureaus that I didnt authorize or give anyone permission to open
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : CLOSED ACCOUNTS : XXXX XXXX, Acct # XXXX for {$14000.00} ; XXXX 's XXXX DC XXXX Acct # XXXX for {$3700.00} ; XXXX XXXX XXXX Acct # XXXX for {$5000.00} ; XXXX XXXX XXXX Acct # XXXX for {$4000.00} ; XXXX, Acct # XXXX for {$15000.00} ; XXXX XXXX, Acct XXXX XXXX for {$14000.00} ; and XXXX XXXX XXXX, Acct XXXX XXXX for {$31000.00}. HARD INQUIRIES : XXXX XXXX, XXXX, XXXX, XXXX Bank, XXXX, and XXXX XXXX : XXXX XXXX XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 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 shall ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

For the record, Spring Oaks Capital said that they purchased the alleged debt. 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication of a sale of a debt causing the consumer to become subject to any prohibited act in the FDCPA is a violation. I would also like to mention that the company failed to provide proof that Spring Oaks Capital has rendered any services or compensation which gives them a right to collect. This is consider false representation and violation under 15 USC 1692e ( 2 ). I challenge you to produce an agreement that I have with Spring Oaks Capital. The failure to produce such agreement is considered unfair practices under the FDCPA, 15 USC 1692f ( 1 ). As established, you mentioned the purchase of the alleged debts. According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. You mentioned in your response that you are honoring my requests. I wanted to make sure that it included deletion from all consumer reports. If not, I will be seeking remedy for all violations to the FDCPA which infringed my consumer rights pursuant to 15 USC 1692k
Product: Student loan

I got my first bill from Sallie Mae. Its {$1400.00}, more than half of what I make in a month. I called to see what I could do. I could only pay interest on XXXX of loans, which just happen to be the cheapest XXXX and go into forbearance on the XXXX most expensive ones ( XXXX have interest rates above 8 % ). XXXX will add XXXX on to the total cost of my loans, so no. I could pay interest on the XXXX loans and pay the full monthly payment on the other XXXX, but that monthly payment is still around {$1000.00} a month. I even talked to collections, but to no avail. I have cosigners, but XXXX are still paying back their student ( and other ) loans, so theres not much they can help me with. So I either add XXXX, possibly XXXX on to the life of my loan or go into delinquency before they do anything to help me ( which is illegal ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I hired a mover named XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX phone number XXXX They wanted me to pay thru XXXX well the money was not available that day so they made me use Cash App but first I had to get a refund from XXXX which I did. Then I paid them thru Cash app {$1300.00} from my XXXX account. Then they started unloading my furniture. Yes they literally held my furniture hostage until they received the money that very day. Then I found out that the owner XXXX XXXX wanted another {$220.00} dollars because it took almost 2 hours to find a way to pay him the {$1300.00} I refused but his men were still unloading my furniture. What I did not know was that they had blackmailed my grandson and granddaughter into paying from their XXXX account the {$220.00} thru CASH APP. I did not authorize nor did CASH APP have the right to take funds from that account. Both my grandson and grand daughter are under the age of XXXX years. My grandson used his phone to access CASH APP but used my granddaughter funds from here XXXX XXXX account. I do not even have the CASH APP login because XXXX XXXX told my grandson to delete the file so I would not find out but it showed up later in the day on my granddaughters XXXX XXXX account. I was furious. I tried to get the money back from CASH APP but there in no phone number to call just their APP. I have sent numerous emails and texts to XXXX XXXX XXXX and XXXX and they stated that they refunded money but as of today I have not received this {$220.00} back into my granddaughters account. I am requesting the money back from CASH APP because it specifically states that you have to be 18 to use the app and both XXXX XXXX and XXXX XXXX knew my grandkids were under XXXX and sometining should be done to this moving compnay that holds people furniture hostage and you have to pay before they deliver your furniture
Product: Debt collection

The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety, the account in question is reported by XXXX XXXX XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1200.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Profit and loss write-off. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXX XXXXXXXX XXXX as required by the FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$1200.00} is shown as 136 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$1200.00}, which does not align with my records. The presence of this incorrect charge-off and collections status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address dispute has been received and should be completed by XX/XX/2022. 

Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to Experian XXXX XXXX and XXXX to correct my address but they have refused since XXXX XXXX XXXX  to XXXX XXXX.
Product: Mortgage

I have never had a late payment in XXXX years. When my loan got transfered to ocwen they have reported me as late every month since. 
I have sent ocwen transcripts from XXXX bank on at least XXXX occasions. XXXX sends the payments on time every month. 
ocwen just sent me a foreclosure notice based on late payments. 
THERE HAVE NEVER BEEN LATE PAYMENTS!! 
My home is being STOLEN from me by fraud. 
I sent a copy of XXXX 's payment info to CFPB and they sent me a list of things to send to them XXXX of which was the list I had already sent them!! 
Since XXXX wires the payments most of the things on that list never existed! 
I have asked ocwen XXXX of times to tell me which payments were late. 
ocwen totally refuses to do this.
Product: Checking or savings account

OnXX/XX/XXXX I attempted to use my Debit card associated with my Business Checking account under my Business account with Prosperity Bank, TX and was denied, I know there was cash in that account because online banking said it was there. I also attempted to use the card again to purchase gasoline to see if the 1st vendor 's machine had a problem but was denied again. On XX/XX/XXXX, I called my bank officer who found out that their credit card vendor said I had not used the card in 45 days and it was closed for non-use which is a lie since I used the card on XX/XX/XXXX and again on XX/XX/XXXX with no problems. She can not fix this corporate problem so I called for XXXX XXXX XXXX, XXXX of Prosperity Bank and was told he was in a Loan Committee meeting and XXXX, his secretary, would pass the message along have him return my call which he has not done to this date.
Product: Mortgage

Mortgage paid hme owners insurance, ther not authorized. 
I am paying my insurance. There trying to generate fees and squeeze and additional fees. They paid my mortgage payment behind my back not authorized. So the they generate ways to assign different false fees generating. 
XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS ATTYGENERL Account Number : 1122 Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Student loan

On XX/XX/12 i completed application for recalculating my plan to XXXX which should cut my payment from XXXX something to XXXX. On XX/XX/12 it said it was received and processed. The website says it takes 15 business days to update. It has now been 34 with no changes, no notification, no end in sight. When you callt hey say it's a 15 minute wait and they will call you back, i wait almost an hour with no call back. I have to work, I can't wait on hold for several hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a letter to Transunion credit bureau notifying the credit bureau of errors found in how accounts are being reported by them on my credit report. Transunion does not investigate my claim. It's been 31 days and I haven't received a notice of dispute nor have I received any updates. This isn't the first time i've tried mailing in disputes for my accounts. I've tried pleading with Transunion to right their wrongs multiple times. They could not care less about errors in their customer 's credit report. They continue to verify false information on my credit report, even when I dispute it and provide evidence to support my claim. They claim and investigation has been done, but nothing has changed. My accounts are still reporting the same, showing the same inaccuracies. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid more then the minimum balance and it 's affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

I have been charged  with  XXXX  charge offs by   XXXX   XXXX   Credit cards for cards that were corporate cards. I attempted to work out terms with   XXXX   but they would not discuss any arrangements when the cards were first reported as in default in   XX/XX/XXXX . In  XX/XX/XXXX  Chase issued  XXXX  tax forms for the amounts of the   XXXX   cards and charged them off against my credit r eport. I paid the tax bill and was told that the charge off would not remain on my credit report after  XX/XX/XXXX , but it continues to be reported even to this day a year after the no notice  XXXX , and 8 years since the cards were reported in default.
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, Dept of ED/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 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, credit repair services, or other personal consumer reports

Every account and all the adverse information listed on my Innovis consumer report, is fraudulent accounts and inaccurate information. I shouldnt have any adverse information or fraudulent accounts listed on my consumer report.
Product: Mortgage

I have 3 loans with SunTrust. Truist obtained my loans. I have electronic payments set for every month. XXXX, XXXX and XXXX processed perfectly. 
However, XXXX, XXXX and now XXXX, I am having an issue with one of the properties. Truist received all payments on time but they aren't applying the payment to one property. It is being held in suspense. I have called several times only to be transferred multiple times and disconnected multiple times. Now my credit is being negatively impacted and the Truist website will not accept my XXXX payment. Everyone at Truist that I have spoken to gives me a different answer.
Product: Credit reporting or other personal consumer reports

i am requesting under the consumer law to removal all negative 15us1681 ( A, B, C, D 1, A, B, C ( 2 ) Exclusions, A, &, D and for Bankruptcy & student loans 15us6802 ( A ) ( B ) OPT OUT ( 1 ) IN General A, B, C ( 2 ) Exception, Please removal from all XXXX credit bureaus thanks XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I have found the following item to be an error. XXXX XXXX  XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX ACCORDING TO RECORDS/ ACCOUNT BALANCE OF {$24000.00} and HIGH BALANCE OF {$41000.00} According to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account information status information about a month ago but it came back verified which I am shocked how they got that account status verified as closed when my account currently is open at this time and reporting that way on the other two credit bureaus XXXX and XXXX as status open so why is Experian once again reporting inaccurately I will upload a screen shot of the account from Experian report and a current credit one statement to show it's not close status!
Product: Credit reporting or other personal consumer reports

n 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 Account # XXXX 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 I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Pursuant to 18 USC 8. I owe no debt. this company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), 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 part of my transactions and experiences between your company and me. 


Please fix the listed account : BMW FIN SVC XXXX Balance : {$5300.00} 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.
Product: Credit card or prepaid card

This company Card.com has giving me the run around for almost 2years now i received my ppp loan direct depost to them they locked my account up with XXXX remaining asked me to provide proof of the loan which i did from my identity and proof from my lender they closed my account and is refusing to release my funds in a paper check or return to the lender