23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXX,XX/XX/XXXX XX/XX/XXXXAct. # XXXX, XXXX Bank XX/XX/XXXXAct. # XXXX XXXX XXXX Act. XXXX XXXX XXXX Bank Act. # XXXX XXXX, XXXX XXXX XXXX Act. # XXXX, XX/XX/DsnbAct. # XXXX, XXXX XX/XX/XXXX XXXX Act. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Act. # 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
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on y credit report. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make a payment on my mortgage on or around XX/XX/2019. Due to PennyMac 's website being down I was unable to do so. I attempted to call in but the wait times of 20 minutes+ precluded me being able to do so. In XXXX I again attempted to call and spent over 4 hours on the phone attempting to get this corrected. I was told at that time that it would be corrected on my credit report because of the poor customer service I got from PennyMac. I have now called three more times to follow up on this as it is still reflected on my report as late. Each time I called I was assured it would be handled and nothing further would be needed from me. There is not direct line to call at PennyMac ; when I ask for someone I am told " it is all done on the backend. '' Whatever that means remains a mystery. I have never been late on my mortgage. Being unable to speak to anyone about this is most frustrating. I have a VA loan and PennyMac like to brag about how many veterans they service. This is one vet that will call XXXX on that. It's time big companies are held responsible and they hold themselves more accountable. Clearly, this experience has shown me that PennyMac simply does not care about veteran 's, only the money their loans generate.
Product: Credit card

In XXXX I made a paypal transfer to a merchant, believing this was being correctly charged to my own account. I did not intentionally consent for PayPal Credit to take this charge. 

A couple of months later, I received a bill which is the XXXX time I was made aware that this had been charged to PayPal Credit. This was the XXXX bill I received and it included late charges. I called up and disputed this payment. I paid the full principle, but did not pay the late charge. 

Despite this, PayPal Credit continues to harrass me and add further late charges in violation of the court order on this matter XXXX civil case in Maryland XXXX. They also have taken to now calling my friends because I have blocked them. 

I believe their actions in not billing me properly ( waiting months to send a bill and _then_ adding late charges ), and continuing to add late charges despite my dispute is illegal. 

I paid everything I owed. The entire bill they claim I owe is due to their own illegal actions. 
I wish the company to acknowledge that I have paid in full, and cease harassing me. I encourage the Consumer Financial Protection Bureau to investigate as it appears that PayPal Credit is not adhering to the court order. I have attached a statement showing that they are continuing to add fees to a disputed transaction in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, Transunion, and XXXX via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}
Product: Debt collection

XXXX XXXX XXXX has sent my account to collection company while The full Patient share has been paid. XXXX XXXX  is forcing me and pushing me under pressure by collection company to pay the insurance share due to the fact their claim process was not done right and insurance just paid for an alternate.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ITEM WITH EEACH CREDIT BUREA AND THEY HAVE ALL FAILED TO PROOVE ME WITH ORIGINAL WET INK SINGATURE CONTRACTS VERIFYING THAT THIS INFORMATION IS ACCURATE. THE DOCUMENTATION PROVIDED IS NOT ORGINAL, can be FORGED, and is not valid proof per FCRA LAW. FCRA 609A REQUIRES THESE AGENCIES TO PROVIDE ME WITH ORIGINAL WET INK SIGNATURE CONTRACTS, which have not been provided at all nor in a timely manner. IT IS THE DUTY OF THE CFPB TO ENFORCE THIS WITH EXPERIAN, XXXX, AND TRANSUIONS. I HAVE BEEN STALLED, sent multiple disputed regarding XXXX, XXXX XXXX  XXXX XXXX XXXX. THESE ITEMS DO NOT BELONG TO ME. UNDER SECTION 605B OF THE FCRA I REUQUESTING THIS INFORMATION BLOCKED AND PERMANENTLY DELETED. I have filed a claim against each agency reporting false information to my credit report. I will sure each agency who continues to do so. UNTIL THIS MATTER IS RENDERED I AM REQUESTING THAT ALL I FORMATION BEING REPORTED REGARDING THESES ACCOUNT ARE STOPPED, AND DEEMED UNKOWN UNTIL DELETED. I HAVE NEVER SEEN OR WITNESSED ANY CONTRACT.
Product: Credit reporting

TransUnion is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to TransUnion on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 

Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. 

Please provide a audit trail for the accounts and inquiries below.

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

CONVERGENT OUTSOURCING is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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: Mortgage

WASHINGTON FEDL SVGS is reporting an a negative mortgage account on credit report of XXXX XXXX of XXXX, WA. Account and property was granted to the ex-spouse at the time to dissolution of marriage and court order was issued releasing XXXX XXXX of any obligation and liability related to the property and this loan. Numerous attempts to Washington Fedl have been ignored and this account is still actively reporting to XXXX damaging credit and causing financial distress to XXXX XXXX.
Product: Mortgage

They let my insurance property lapse, because they didn't pay it. Then sent me threatening letters saying I had to provide new insurance or they buy on my behalf. They handle the escrow. They paid the insurance policy last year from the escrow, but not this year. They must do the needful while maintaining the escrow account.
Product: Money transfer, virtual currency, or money service

Cash app allowed people to dispute transactions after services had been rendered and didnt have a live representative to speak to about it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulent accounts XXXX XXXX XXXX XXXXXXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/202XXXX XXXX XXXX  ( Bank ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted
Product: Debt collection

On XXXX/XXXX/XXXX, I was served a lawsuit from Midland Funding. When I received the lawsuit, I observed that Midland Funding is suing me for an account stated, attached is the lawsuit with its exhibits. Midland included an alleged copy of a statement that does not show any charges nor any calculations regarding how those costs accumulated. I never had an account stated with Midland Funding nor anyone else. On XXXX/XXXX/XXXX, I mailed Midland a debt validation letter requesting all the account statements showing the purchases that culminated in the amount allegedly owed, credit card agreement with interest rates, all the interim and yearly disclosures from the credit card company, etc.in order to calculate the alleged amount owed, debt validation letter is attached. I also filed a Motion for Enlargement of Time and a Notice of Dispute in the state court. I faxed a copy of the debt validation letter to CFPB on XXXX/XXXX/XXXX, which is also attached. I had to attend a pre-trial conference on XXXX/XXXX/XXXX for this lawsuit. When I arrived, with a friend, there was NO JUDGE!!! I spoke to Midland 's attorney and they said I had to go to mediation in two months ' times and I told them that the debt had not been validated, docket is attached. I received a letter from Midland dated XXXX/XXXX/XXXX wherein they attach the same statement and exhibits attached in the state complaint. There are no statements that show what was purchased nor how the amount and interest rate was calculated. There has been no debt validation and Midland is trying to circumvent the Consent Order it has with the CFPB. Midland is abusive and discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter was already resolved after my complaint with cfpb then XXXX added the incorrect information back on my credit report. 

XXXX a.k.a. XXXX Bank falsely reported two late payments. The payment in XXXX was NEVER late. 

I paid two payments in XXXX, one prior to my due date and the second to pay off the balance in full.

Also, it stays the payment status was over 30 to -59 days late. Completely FALSE statement.
Product: Payday loan, title loan, personal loan, or advance loan

During the first week of XX/XX/XXXX, I attempted to contact XXXX XXXX XXXX, where I was receiving laser hair removal treatments. The office is located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX I called the phone number XXXX multiple times to try to schedule an appointment and there was no answer. I also left a voice message on XX/XX/XXXX and never received a call back. I then sent a text message to one of the technicians requesting to schedule an appointment for my treatment. The technician responded, informing me that she is no longer employed by XXXX XXXX and that they have declared bankruptcy and terminated all of their employees and ceased operations and therefore no further appointments are possible. The technician also reported that they closed their doors in XX/XX/XXXX. 

I was never formally informed by XXXX XXXX XXXX of any closures or cease of operations. I was also being offered new packages for services as recently as XX/XX/XXXX from one of the technicians from XXXX XXXX XXXX via text message. After receiving that text message, I searched the bankruptcy court records online and I discovered that the company had filed for bankruptcy back in XX/XX/XXXX. 

I currently have an active loan through Synchrony Bank that was created on XX/XX/XXXX for {$9200.00} where I have been making monthly payments of about {$190.00}. I currently still owe about {$5500.00} on the loan and have an active dispute with Synchrony bank. My last treatment date was XX/XX/XXXX, and I have only been receiving treatments for about 16 months. Treatments are spaced out between 6-8 weeks. 

My treatment for laser hair removal is not complete, and one of the reasons that I chose XXXX XXXX XXXX for laser hair removal was due to the " unlimited lifetime warranty '' where a customer is able to return for services an unlimited amount of time. 

I believe this business has unethical business practices by attempting to still sell customers a false product after filing for bankruptcy, and I do not that I should be held responsible to continue to pay this loan, as services have not been provided to the full capacity.
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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These have violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligence Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which has been negligently reported and/or verified in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Negligence ).

Disputed Information Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off / written off Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off / written off Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off / written off Despite my previous dispute ( s ) regarding this matter, you have failed to conduct a reasonable investigation as required under 15 U.S. Code 1681i and have continued to report inaccurate information. This negligence has caused financial harm, including but not limited to : Denial of credit and financial opportunities Damage to my credit score and reputation Emotional distress and inconvenience Legal Violations Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained as a result of the failure, as well as the costs of litigation and attorneys fees. Your failure to correct these errors, despite clear evidence, constitutes negligent non-compliance with federal law.

Demand for Resolution To resolve this matter, I demand the following : Immediate removal/correction of the disputed item ( s ) from my credit file.

Written confirmation of the corrections made.

A detailed explanation of your investigation process and the evidence used to verify the disputed item.

If this matter is not resolved within 30 days as required under 15 U.S. Code 1681i, I will be forced to escalate this issue by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting this matter to the Federal Trade Commission ( FTC ) Seeking legal remedies in civil court, including claims for damages, legal fees, and other relief as provided under the FCRA.

I expect your prompt attention to this matter and look forward to your written response confirming the resolution of this dispute. Please send all correspondence to my address listed above. 

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

I have 2 XXXX accounts which is Comenity bank reporting to my credit. I should have only one. My card was stollen and Comenity replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted Comenity about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.
Product: Credit reporting or other personal consumer reports

This is my second time writing these XXXX XXXX XXXX to show proof that the law were followed by these companies listed below and their credit agency as well, instead I was sent the e-Oscar computer generated computer response stated that the account was verified but no proof of how this answer and verification was provided, I am asking for proof of validation, verification and proof the laws listed below were followed. I DO NOT consent to the response being computer generated or e-Osca responses which is not an accurate investigation that is required by law.

The first violation of law your credit agency and these other companies violated was the 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. Any account that has been paid for such as " chargeoff '' must not be added or remained on a consumer 's credit report due to debt has been paid by the IRS, these debts are now considered income and income is against the law to be reported on a consumer report ; it is also against the law for them to fail to mail or deliver the copy of 1099 form to the consumer. I do not give consent for any paid off accounts that are reporting as charged offs to be on my consumer report. Failure to do so will require me to seek legal aid to assist in the laws not being followed or valid proof by law of investigation findings of the information listed on reports.
Product: Credit reporting or other personal consumer reports

I disputed accounts on my credit report that were opened during my incarceration and provided proof of incarceration, after the so called investigation it was verified as accurate and it cant be possible or proven that I opened the accounts on question I seek immediate compliance with law and request all compensation due for the negligence and failure to obey the law which has caused me much difficulty at this time while trying to purchase a home