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

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect XXXX : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

I am writing to formally report an issue I encountered with my bank regarding a fraud claim I filed related to a transaction involving XXXX. My debit card ending in XXXX was charged {$6000.00}, which I did not authorize as I do not have a XXXX account and do not engage in any form of gambling. 

After reviewing my claim, my bank concluded that no error occurred, citing a review of my account activity. However, I believe this decision was made without adequately considering my situation, as I have no affiliation with XXXX whatsoever. 

I request your assistance in this matter to ensure that my rights are protected and that the investigation into this fraudulent transaction is taken seriously. Additionally, I would like to obtain the information my bank used to deny my claim, as I feel this may help clarify the situation. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXXXXXX 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 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
Product: Money transfer, virtual currency, or money service

Transfer not completed or take extremely logg by, late direct deposit scams
Product: Vehicle loan or lease

I and grandson, XXXX XXXX purchased XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX. Had mechanical problem less than two weeks. Took truck to XXXX dealership, paid {$600.00}. Had problems getting home. Took back to dealership. Left for ten days while XXXX was working out of state. 
Picked up couple days ago. Drove across street and problems, took back to dealership. Now have to leave again while working out of state. They say they will not charge. Disgusted with XXXX XXXX wanted to trade on different truck, not comfortable with the problem truck, they seemed reluctant to allow monies on a different truck. The Credit Acceptance Corp. are to hold off on payments till remedy on different truck is clarified with new contract.
Product: Mortgage

I asked for a full disclosure from America Servicing Company and they have not answered.
Product: Debt collection

While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to XXXX XXXX. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report. XXXX XXXX has since deleted this debt from my Credit report, however XXXX or Resurgent is not willing to comply.
Product: Debt collection

Portfolio agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from Portfolio stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a XXXX and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my trafficking experience. 

FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of XXXX XXXX or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. 

As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a XXXX. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a trafficking survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured. 

Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and XXXX  of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX and # XXXX They have violated my right to privacy under 15 USC 1681 section 602 A which states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any information other than records of convictions of crimes which pre date the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor removed the information from my credit report, because it was fraud. 

Another company put it on my report and added fees, on top of that. 

For XXXX, the account was open with identity theft and if the original creditor corrected it on their end, why is a third party, trying to collect debt that was never theirs to start with and giving people a hard time to remove it. 

They need to be held accountable also, they are thieves, fraudulent and misleading the public.
Product: Credit reporting or other personal consumer reports

Recently, I requested a copy of my credit report and noticed several inaccuracies on the report. This account is hurting my ability to obtain credit. It is important that you investigate this item for me to ensure accuracy on the information. 

This is the account I need you to verify : XXXX XXXX XXXX  Account number : XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2020 I was scammed out of over {$3000.00} using zelle via XXXX XXXX  during a natural disaster when trying to rent a house.
Product: Prepaid card

Someone got access to my American Express Serve Account and disabled my online account and card. They also reorder another card and had it sent to them in XXXX Tx in which I am over XXXX miles away from that city. I have no access to my account everything was changed. My Federal refund is scheduled to go to that card and I will not have access to it and I had funds remaining in that account that I have no access to.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4200.00} US DEPT ED XXXX {$4100.00} XXXX XXXX  XXXX Balance : {$23000.00}
Product: Debt collection

I have respectfully contacted the collection agency, ProCollect Inc., regarding the collection account that is being reported to the credit bureaus ; however, I have not received any form of communication. Despite respectfully requesting competent evidence of association with the collection agency ProCollect Inc. Collection agency failed to provide debt validation within 30 days.

I request : - Account ownership verification - Itemized list of costs associated with the collection account - ProCollect Inc. collection account ownership verification
Product: Credit reporting or other personal consumer reports

15 USC 1666 ( A ) ( B ) the proper process wa never taken on this account, false information has been posted to my account
Product: Mortgage

Although the company received a federal wire from the title company on the XXXX of XXXX, they did not post the payment until the XXXX, charging me for an extra day of interest. Refuses to credit back this overcharge.
Product: Checking or savings account

I was charged a {$35.00} NSF fee. I requested  for TD B ank to return the fee because not only did they charge me the {$35.00} NSF fee but they paid the charge to   XXXX   XXXX   XXXX    on    XXXX  but on  XXXX / XXXX /  XXXX   they reversed the charge causing the company to also charge me a fee. That is not right for them to pay and then reverse and still charge the fee. I opened this account online and I indicated to a few reps that I did not agree to this. I was told that they previously credited NSF fees but the few fees that were reversed were due to no fault of my own so they were justified credits, not done as a favor as they tried to make it seem  .So,  I requested for the rep to forward me a copy of the application signed by me because I know I did not agree to these terms and I was directed by the rep to go into a walk in location. I informed her due to health issues I can not go to a walk-in location ; however I am supposed to be able to request this information in this format as well. I have had the account a while so it is not as if I am a fly by night customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. Case numbers are XXXX and XXXX
Product: Consumer Loan

I 'm a member if navy federal. I have a auto loan with them and last year I was late paying my auto loan and last month also. Well they locked me out of my account online and on their app until Im able to make the payment.
Product: Checking or savings account

On Thursday, XX/XX/year>, I contacted XXXX about fraudulent charges I saw on my account. I did not authorize any XXXX transactions and I did not order anything, and XXXX can't find anything in the system that shows I ordered anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are reporting missed payments to my credit bureau in my mortgage. when this information is not correct. Last year my loan was in loss mitigation and for this reason the bank did not allow me to make a payment. but they are reporting it as missed payments without this being true. 
I come to you to help me correct this. I have called XXXX XXXX several times and they do not finish correcting this situation.
Product: Debt collection

I received an alert from XXXX that a collection account had been added onto my file. Upon reviewing the account, I saw that there was an account from a company that I did not recognize ( HMC Group ). I sent a debt validation letter certified mail/ return receipt to HMC Group on XX/XX/2020. I also disputed the account via phone with XXXX. On XX/XX/2020 I received a letter in the mail address to me from HMC Group. In the letter was a single sheet of paper that included my personal health information/medical record. I never gave HMC Group written nor verbal permission to access nor share my medical records. I do believe that HMC Group actions violates my HIPPA Rights. I never signed a HIPPA release form that would allow HMC Group nor XXXX to access and obtain my medical records. 
In the letter I sent to HMC Group, I requested ; The name and address of the original creditor, the account number, and the amount owed. A copy of the original contract that I signed for services, verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Line by line accounting of the original account which should include ; transaction history and full breakdown of this account. Proof that this account is within the statue of limitations. Proof of their authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. Since they are located in Ohio, I also requested that they provide the licensing information from Ohio state as well. 
HMC Group did not provide me any of this information. Instead, they obtained my medical record and sent that to me. 
I would also like to note that the HMC Group account was returned to XXXX  as a debt that was validated and verified. I have no access to view what information was sent to validate this date, but from what I was sent. I want to make it clear that I did not give any permission for HMC Group noXXXX XXXX to access and obtain my personal medical information. I do hope that this matter is investigated and address. If I am needed to testify to what I am stating has occurred, I am willing to do so. The account information still has not been address due to my HIPPA rights being violated by HMC Group. 
I have attached a copy of the United States Postal Service certified mail receipt, a copy of the medical record HMC Group sent to me, a copy of the envelope that the letter was sent to me in, and a screenshot of how HMC Group has updated and is reporting this account on my credit file.
Product: Credit reporting or other personal consumer reports

Equifax has XXXX late payments where there are none in other credit agency or less. XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show 60 days where there 30 days in other reports XXXX  it has 90 days but 0 days in other reports 60 days in March 0 days in other reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter asking Experian to enclose a method of verification for a bankruptcy listed on my credit report. On XX/XX/2021 I then sent another letter asking to enclose their method of verification due to no response from the company. On XX/XX/2021 I sent another letter asking to enclose their method of verification for the third time. On XX/XX/2021 Experian came back with a letter stating the item was verified, but not by who. On XX/XX/2021 I wrote another letter asking to verify, yet again. On XX/XX/2021 Experian sent me a letter in response stating the alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 I provided proof from XXXX XXXX stating XXXX XXXX has never verified the alleged bankruptcy with Experian. Because lXXXX XXXX had to delete the item due to not being able to verify it. I enclosed the letter as proof from XXXX XXXX. On XX/XX/2021 Experian replied stating it was still verified without sending me any documentation or proof of an actual investigation. On XX/XX/2021 I replied stating they have not honored my request and have not provided any proof that this alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 starting the item was still verified by XXXX XXXX. On XX/XX/2021 I sent another letter to Experian with an enclosed letter from XXXX XXXX stating they have deleted the item from my consumer report due to not being able to verify the item. I have yet to get a response from Experian and they are still listing a bankruptcy on my credit report.