23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I was laid off from my job and did not receive any unemployment assistance. I sh paid the mortgage for XX/XX/XXXX. Under their Covid deferment I was given three ( 3 ) not to make any payments. I was told these pay would be placed at the back of the loan. All I had to do was make payments from XX/XX/XXXX. I sent them payments and they sent them back. They want me to pay the three payments that were deferred plus the other payments and that was not the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : ..... 

XXXX XXXX XXXX Account no. XXXX, XXXX XXXX XXXX Account no. XXXX, XXXX Account no. XXXX ... ..... 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.
Product: Student loan

I have spoken to Navient in the past, they made it difficult to impossible to consolidate, create an income based payment system, and other challenges, these issues caused my loans to go into default. I have XXXX in loans and they were into default. I called navient a bunch and never got service, i was so dismayed i stopped following up.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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: Debt collection

XX/XX/year> RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to request that you validate the debt that you claim I owe. I request that you provide me with the following information as part of your validation process : Proof of the debt : Please provide a detailed statement or proof showing the amount owed, the original creditor, and the full account history, including any payments made or adjustments applied. 

Proof of assignment or ownership : Since you are contacting me regarding this debt, I request that you provide a copy of the assignment contract or transfer of ownership document that shows you have been legally assigned or have purchased the rights to collect this debt. 

Details of any payments : Please provide a detailed record of any payments made on this debt and the remaining balance.

Authority to collect the debt : If you are not the original creditor, please provide documentation showing that you have the legal authority to collect the debt on behalf of the original creditor. 

As required by the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease collection efforts until the debt is properly validated. I also request that you send me the requested documentation within 30 days of receiving this letter. 

Please send all documentation to the address listed above. If you are unable to provide the requested information, I expect this matter to be considered resolved, and any further collection efforts should cease. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation. 

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

I am filing a formal complaint regarding XXXX XXXX XXXX, which is reporting inaccurate information on my credit reports. The reported balance owed is higher than the actual amount, payments made are not accurately reflected, and there are significant inconsistencies in the account information. Despite my efforts to dispute these discrepancies, XXXX XXXXXXXX XXXX has failed to verify the debt and provide accurate updates. This is a clear violation of my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Inaccurate Balance Owed : The balance reported on my credit report is higher than the actual amount I owe. There is a clear discrepancy between the reported balance and the actual amount that I have documented. 
Incorrect Payments Made : The payments I have made towards this account are either not reflected or are inaccurately reported. This misrepresentation has caused unnecessary damage to my credit. 
Failure to Verify Debt : I have disputed this debt with XXXX  XXXX XXXX, providing documentation to show the errors. However, they have failed to investigate and correct the inaccuracies on my credit report. 
Violations : Failure to Investigate and Correct : XXXX  XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to verify and correct the inaccurate information on my credit report after I disputed the account. 
Inaccurate Reporting : The inaccurate balance, incorrect payment history, and inconsistencies in the reported information violate the Fair Debt Collection Practices Act ( FDCPA ) by providing false or misleading information to the credit bureaus. 
Damage to Credit : Due to the inaccuracies in this account reporting, my credit score has been negatively impacted, despite my efforts to resolve the issue. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the reporting of my XXXX  XXXX XXXX account {$13000.00}, including the incorrect balance owed and payment history. 
The failure of XXXX  XXXX XXXX to verify and correct the debt after I disputed it with the credit reporting agencies. 
The violation of federal laws related to credit reporting and debt collection practices. 
Appropriate action to ensure this account is corrected or removed from my credit report if the discrepancies can not be validated. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and correspondence related to my disputes. Please let me know if you require any further information. 

I appreciate your prompt attention to this matter and look forward to a resolution
Product: Credit reporting or other personal consumer reports

I seen some things on my consumer report that are not being reported correctly. I sent a letter to the bureaus and received no response. I am a protected consumer according the FCRA. I will be including the original letter sent to the bureaus, my credit report, and IRS 1099C forms. Here 's the violations in question : 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 15 U.S. Code & 1666B Timing of Payments 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also according to 15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 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. 

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Checking or savings account

On XX/XX/XXXX I filed a complaint against Bank Of America with your agency regarding Bank Of America illegally allowing The FBI in XXXX New Mexico to search my safety deposit box on the weekend of XX/XX/XXXX The FBI in XXXX had Bank Of America close the branch on XXXX and XXXX that whole weekend while they illegally searched my safety deposit box without a warrant. A a Bank of America Manager confirmed it was true in a video I have recorded on a flash drive. Bank of America wrote me and said they have no record of a search warrant or any other court order that was served on he bank. They wouldnt have that because the FBI NEVER GAVE THEM ONE IT WAS DONE ILLEGALLY. This answer from Bank. Of America is unacceptable and I am asking them to investigate what happened the weekend of XX/XX/XXXX and why the bank was closed for the whole weekend.
Product: Checking or savings account

In XXXX a dispute was made, BOA provided temp credit for it. In XXXX the reversed the credit twice ( double dipped on my account ) which was only rectify after I called and complaint about it. Now in XXXX they reverse the credit again. They are giving me the round around and not provided me my funds back
Product: Money transfer, virtual currency, or money service

I got a call from XXXX XXXX stating that there are fraudulent charges on my checking account. I checked my account to see that there was fraudulent charges on the account. The rep ( scammer ) said in order to refund my money, Ill have to send the remaining money in the checking account to XXXX to refund my money. I sent him the money. Then he hung up. I immediately contacted my to confirm what the previous call methods. The actual rep informed me that XXXX will not call you about fraudulent activities. I file a claim. They was able to reimburse me on the fraudulent charges on my account. However, the XXXX transfer, even if it a scam, they can do nothing about. I file a police report on the incident. The amount scammed from me is {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows 30 Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals of fice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.   XXXX   XXXX   XXXX  ,  XXXX .  XXXX  ( C.D.Cal.   XXXX   XXXX   XXXX   ), you  may be l iable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for  : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1. Chapter  XXXX  Bankruptcy 2.Judgement   XXXX   XXXX   3. Judgement   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  5.   XXXX   XXXX   XXXX    6.   XXXX   XXXX    XXXX  7.   XXXX   XXXX   XXXX   XXXX     XXXX  8.   XXXX   XXXX   XXXX   XXXX 9.   XXXX   XXXX     XXXX    10.   XXXX   XXXX     XXXX   11. XXXX    XXXX   12.   XXXX   XXXX   XXXX    XXXX  13. F  XXXX   XXXX    XXXX  14.   XXXX   XXXX   XXXX   XXXX     XXXX .  Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX. Y ou are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The Chapter  XXXX  Bankruptcy and the Judgements CAN NOT be verified due to the fact that in your verification, it is impossible, unless you file a motion to the court, to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name. The court does not provide any information to the credit reporting agencies or third party data furnishing companies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, SETTLEMENT XXXX  Date of Inquiry XX/XX/XXXX, SETTLEMENT XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting XX/XX/2023 's payment as 30 days late to all three bureaus. XXXX 's payment date wasn't until XX/XX/2023. It is currently XX/XX/XXXX. It is impossible for XXXX 's payment to be 30 days late. Experian has revised the report and added XXXX as current. XXXX 's payment isn't due until XX/XX/XXXX. The current account has never been 30 days delinquent. XXXX has not been willing to remove the late reported information. It's a violation of the FCRA. Experian has also not reported the correct information even after several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im simply asking transunion to do the work. My payment history during XXXX for XXXX XXXX shows two late payments on XX/XX/2018 and XX/XX/2018 first off I was never late. Secondly, there are two 30 day late payments showing for those months thats inaccurate reporting Ive included image of payment history to show the inaccuracies please correct
Product: Vehicle loan or lease

THIS LOAN IS PAYOFF AND IT IS STILL SHOWING CREDIT REPORT THAT I OWN THIS IS NOT TRUE I WILL LIKE IT CORRECT ASAP AND REMOVE FROM MY CREDIT REPORT.
Product: Debt collection

XX/XX/2022 ( between XXXX and XXXX CT ) I started out offering to take care of the debt owed. I only asked that it be removed off of my credit report, or for them to send me a letter or email stating that it will be removed from my credit report upon payoff of the ddebt. The lady I had spoken with stated she would ask what she could do to get it removed. She stated her supervisor wasn't going to send me any correspondence about removing it, but that it would be removed if I paid it off in full by the end of the month, that's what they were requiring. I told her I couldn't do that, she asked how much I could pay, I said {$50.00} a month until it's paid off. She said to let her talk to her supervisor about it, moments later he came on the phone aggressively telling me that he isn't sending anything and it had to be paid in full by the months end or it wouldn't be removed from my credit. I said I need to have proof it'll be removed they said again that they wasn't sending anything about it to me. I said it's unrealistic for me to pay it off by the end of the month since I have other bills to pay, and XXXX that live with me. I said again I can pay {$50.00} a month until it's paid off, he said he doesn't need me to pay anything because they have my work info and they'll take me to court that he doesn't care, and he was talking over everything I was saying so I toldld him not to threaten me, and I told him I was disconnecting the call.
Product: Debt collection

The credit bureaus have ignored my attempts to have this negative account removed from my credit report. Comenity Bank has sold the three accounts that originated to them to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with Ann Taylor, The Childrens Place and Victorias Secret. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of write off/1099c form for charged off debt, they did not, they sold this date long ago and they are still attempting to collect on it. Please delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Accont was never in collections and original creditor was paid in full. 

The collection agency " XXXX '' was hired to collect a debt of {$250.00} originally owed to " XXXX '' on account number " XXXX ''. 

Collection agency XXXX Original balance {$250.00} Current balance {$0.00} Date assigned XX/XX/2019 Original lender XXXX Account number XXXXXXXX Account holder Individual Account descriptions Consumer disputes this account information