23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Yes, around a year ago possibly 10 months, I had saw a firearm on a website used to trade and sell firearms ( XXXX ). To make a long story short I tried to purchase the gun and sent the guy money via PayPal. You can send money two ways one way ( friends and family ) that way does n't charge the seller any fees as it is mostly used to just send money and PayPal does n't back that. Second ( goods and service ) if you send it this way you will have PayPal protection. Well I sent it via friends and family as the seller had instructed so I could buy the firearm cheaper. Well it turned out the guy was trying to scam me, I tried to contact him for days and he would n't respond. He then sent me a check that had more money than I was owed on it. And wanted the difference so I was trying to be a good guy but ended almost being scammed again. I payed using my XXXX card and almost lost that money but XXXX actually fought for me. But I am still actually missing the original XXXX dollars I had sent. I tried for months but XXXX would not fight for me to get my money from PayPal. PayPal said they would give it back but XXXX just gave up. I need help in getting that back.. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. 

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

This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Mortgage

I've always been able to make my mortgage payment online to village capital through their website. In XXXXXXXX XXXX XXXX I went online to make a payment and it told me that the option had been removed. I called the services number on the statement and waited on hold for over 2 hours and eventually opted to have them call me back. I never received a call from them. I continued to call them for the next several weeks, never able to reach anyone. I mailed in the payment to the address on the statement, it took them 45 days to credit my account. I mail my payments in and they hold them until it's past the due date so it accumulates late fees. Now they are returning the checks and say I have to pay a minimum to reinstate my mortgage. Trying to get ahold of them to figure this out has been unsuccessful and I feel like they are trying to force me into a foreclosure or refinancy/modification situation to up their profits.
Product: Credit reporting or other personal consumer reports

I disputed negative items on my report to Experian. I know they falsely investigated my disputes as I was also in contact with the companies that reported. I was a victim of identity theft. I sent both Experian and the companies identity theft affidavits and I also sent Experian email proof that these companies agreed to remove these fraudulent accounts from my reports after this Experian still said the items would remain on my credit report, so I know they falsely illegally investigated. Attached is my identity theft affidavits and emails with proof of companies agreeing to remove items from my credit report. Experian is committing fraud. My accounts was with XXXX XXXX there was 2 with this merchant also XXXX XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX  ) and Account # 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.
Product: Mortgage

I have consistently been charged incorrect late payments despite having my bank fully set up. I tried multiple times to set up automatic payments with Shellpoint mortgage. I have even sent over an IT ticket when these did not go through due to system errors on their end. I did however receive confirmation that they were set up correctly via their website. While traveling internationally, I did not have access to my phone so could not log into their system when they emailed and said I had a late payment that needed to be completed ( despite setting up the automatic payments ). I called and tried to resolve the issue but was told they would not waive the late fee. I was told on the call I needed 6 months of clean payments to have automatic payments which I was never told before and which their website did not say. During the call, the supervisor cancelled my recurring payments which I have an email of and proves that they exist. I have now paid for {$500.00} worth of late payments and now am charged an additional {$200.00}. While working with multiple financial institutions this is by far the worst interaction I have ever had. I also frequently can not even log into their website which makes this issue even more difficult ( screenshot example included as I am submitting this ).
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX more than once. They say I owe a pass due balance of {$1300.00} when they garnish my check from XXXX XXXX for it The last garnish was on XX/XX/XXXX and it's still on my credit report. 


For XXXX XXXX XXXX they are on my report and I turned in direct TV equipment back in XXXX ant the XXXX in XXXX La XXXX XXXX XXXX. They were also on my report XXXX XXXX years ago for the same exact thing. Once the equipment was turned in it came off. Now all of a sudden it's back and I haven't had any dealing with them since XXXX. The serials number from my equipment should be in their system so not sure why they reporting it wasn't turned in.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I just opened my new monthly bill and saw that I was being charged a {$75.00} fee for a " broker price fee '' I then called them up and no one knew what the fee was for, but they still refused to remove it. I then asked to speak to a supervisor, and I was disconnected.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXX XXXX {$300.00}, XXXX {$160.00}, XXXX {$7800.00}
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 Account # XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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 an 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 or 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 or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Debt collection

A debt collector contacted me regarding a debt I owed. They offered for me to pay a fraction of that debt which ended up being {$2500.00} to which I agreed on their recorded line. I agreed to only pay {$2500.00}. They are trying to charge me for {$5500.00}.
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, 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: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the XXXX, FCRA, XXXX, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( XXXX ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be XXXX of verifiable conformity to the XXXX XXXX Data Field Formatted Reporting Standards, as per XXXX guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Product: Consumer Loan

In 2010 I was involved in a fraud case with navy federal I was contacted by an investigator XXXX. He told me to come out XXXX this was something they were aware of they had XXXX suspects. Make a long story short they have locked and arrested the inviduals up which I have later found. I been calling Navy federal to find out how do I handle this and they have not provide with any type of assistance only to pay my debt but this is completely a fraud case the guy from XXXX took my money and never giving me any car he have my social securitt number and much and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are reporting several inquiries to Experian, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX
Product: Debt collection

I got a judgment from the XXXX XXXX XXXX in XXXX, Michigan, XXXX. Asset Acceptance LLC, said I owed them {$1300.00} and issued a lein on any property or any future property. On the Judgement it had the year XXXX. When I called the number to this Asset Acceptance the man I spoke with said it was for a outstanding XXXX  bill back in XXXX. So, I called XXXX after getting off the phone. I gave the lady my ssn and she saw nothing that I owed anything. I believe this company might be a loan company trying to get there money back. If so, it should be illegal to false documents and have it signed by a Judge. I very confused and upset about this. I currently rent and I am on XXXX for my XXXX. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXd : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX