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

It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/ I FILED CFPB COMPLAINT AGAINST XXXX  ON XXXX XXXX AND XXXX XXXX XXXX AND CITED In XXXX XXXX  I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to Experian, XXXX, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed XXXX, Experian, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Product: Debt collection

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 
Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information.

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of 2022 I noticed a collection on my credit report. I contacted the agency ( Southwest Recovery Services ) and was told it was for a property rental in XXXX. I did not rent a property in XXXX, so I asked them to remove it from my credit. They told me that someone named XXXX XXXX used my social security number to sign a lease and didn't make their payment in XXXX. They said they would call me back with more information so that I could file a police report. They did not call me back. I tried to call them 3 times after that ( and left messages ) with no response. Finally on the XXXX try in XX/XX/2022, I was able to talk to someone at the agency and they gave me the address of the property ( XXXX XXXX XXXX ). I contacted the property management company XXXX XXXX XXXX XXXX XXXX and explained what was happening. They said that they don't have any record of a XXXX XXXX using my social security number, and they don't lease that property, they lease a couple of properties on XXXX XXXX, but with slightly different house numbers. I sent a letter ( attached ) to SW Recovery Services, but it was returned as undeliverable. I am still unable to get a response from the collection agency and the collection is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show XXXX in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX  XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - XXXXo reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 5 ) XX/XX/XXXX - Equifax XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - Equifax Mortgage - XX/XX/XXXX - Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show XXXX in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 10 ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX Are furnishing late payments in my credit report, this is Illegal! And has violated my rights as : 15 U.S Code 1666b- TIMING IF PAYMENTS, as it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report doesnt not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without MY written instructions
Product: Credit card

i had scheduled a payment for my card but 5 days before scheduled payment called and told them i will be making the min payment only and not to process my check they still did twice costing XXXX in over draft fees i called they took my complain and said they will give me answer by XXXX XXXX they never did i called back XXXX XXXX they said they still have n't processed my complain and that they dont think i should be reimbursed the fees
Product: Credit card or prepaid card

I purchased a computer through Amazon on XX/XX/XXXX and have not received the refund to my card. The card is a Synchrony Bank Amazon store credit card. I have proof from Amazon support that a refund was issued to Synchrony Bank and it has been 110+ days since the refund was requested. Synchrony had a 90 day wait period and has since been actively doing nothing to help in resolving the matter. This is appearing on my credit score as a balance owed. 

I have made multiple attempts to try to reach out to them via phone, email and through their online customer chat option and I am given the same run around every single time. The run around being, they tell me I have to wait 90 days and there could be delays. 

The time line is XX/XX/XXXX Computer was purchased from amazon Order # XXXX Amount {$1400.00} XX/XX/XXXX received the computer/ discovered issues and sent out a return request as there was missing parts and the item was not built according to specs. 
XX/XX/XXXX Amazon sent an email confirming the merchant issued a refund to snchryon XX/XX/XXXX I shipped the item in a ups store in XXXX XXXX NY using amazon provided label XX/XX/XXXX The item was confirmed returned by XXXX XX/XX/XXXX Email from amazon confirming the item was returned to them on the XXXX XX/XX/XXXX Synchrony sent an email communication confirming they would open the dispute of the failure to issue a refund to my account. 
XX/XX/XXXX Amazon sent an email requesting more information regarding the unauthorized charge to my account to which I responded. 
XX/XX/XXXX I received another email from amazon confirming a refund was issued on XX/XX/XXXX for {$1400.00} also claiming that the refund would show in 3-5 business days from my bank, in this case Synchrony bank XX/XX/XXXX I received an email from amazon customer support apologizing for the insane amount of nonsense I have hade to wade through XX/XX/XXXX synchrony bank sent an email opening ANOTHER dispute. This is when I received from them in the mail the first letter claiming that they will not issue a refund as they found nothing wrong with the account. 
XX/XX/XXXX Message from amazon customer service acknowledging that synchrony bank has been issued the request to refund the amount charged. 
XX/XX/XXXX Synchrony bank sent a message saying that I have not once attempted to reach out regarding the refund XX/XX/XXXX Response sent out to amazon USCARDSUPPORT was sent out with information regarding the refund XX/XX/XXXX I received a confirmation response sent on the XXXX XX/XX/XXXX I sent a message through synchrony banks online website with documents showing amazon confirmed they need to refund the amount was told to wait 10 days through their automated response XX/XX/XXXX I have a confirmation from synchrony that they have done nothing to look into the matter I have attached multiple supporting documents. I would greatly appreciate some help here as I feel like I am being cornholed by these guys. Thank you for everything you can offer to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent this account to collection back in XXXX then sent me a XXXX XXXX years after the account was closed. this is illegal and can not be enforced.
Product: Consumer Loan

Atlantic Credit and Finance calls my personal phone multiple times per day. They started calling my husband, now calling my job. I have asked them to no longer contact my job and family. They also leave messages on the voicemail claiming they are a debt collector trying to collect a debt from me. I have spoken to them and they have started telling me if I do n't pay, the will take legal action and that my case is being turned over to a lawyer. I have asked for proof via mail and to only contact me via email or mail. They still call my family, my job, and myself. I have explained to them the reason I quit paying the original debt is because I have become very ill and have medical bills from XXXX and such XXXX. They still say I need to pay or I will be turned over to a lawyer.
Product: Credit card or prepaid card

I purchased XXXX XXXX XXXX Chair with Cushions and XXXX Dining Table that was shipped on XX/XX/21. Both items were returned for a subtotal of {$850.00}, and this should of been applied to my Wayfair Credit Card ( documentation attached ). However, I do not believe I was credited on my credit card, and continue to pay to date. I have attempted to research this information online and by phone with the customer service representatives.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company claimed they provided information to best known address but I never received letter or information of debt.
Product: Mortgage

I HAVE A MODIFIED LOAN WITH CHASE MORTGAGE. I ASKED THEM FOR A COMPLETE ITEMIZATION OF THE BALLOON ON MY MODIFIED LOAN IN THE AMOUNT OF {$66000.00}. I ALSO ASKED THEM TO PROVIDE TO ME IN WRITING THE INCENTIVES I AM APPROVED FOR WITH THE US DEPT OF TREASURY, SPECIFICALL THE 6-YEAR ANNIVERSARY INCENTIVE FOR ON TIME PAYMENTS OF MY MODIFIED LOAN. I SPOKE TO XXXX XXXX WELL OVER 2 WEEKS AGO ( TODAY IS XXXX/XXXX/15 ) AND SHE TOLD ME VERBALLY THE ANSWERS TO THESE QUESTIONS HAD BEEN PUT IN THE MAIL. AS OF YESTERDAY I HAVE NOT RECEIVED ANY OF WHAT I ASKED FOR. I DO NOT BELIEVE ANYTHING A CHASE EMPLOYEE SAYS TO ME VERBALLY AS THEY HAVE LIED TO ME VERBALLY FOR OVER 4 YEARS. I NEED WHAT XXXX TOLD ME IN WRITING. I NEED TO KNOW WHAT THE {$66000.00} BALLOON CONSISTS OF, EVERY PENNY OF THAT BALLOON AND I NEED TO KNOW AL THE REMAINING XXXX DEPT OF TREASURY INCENTIVES FOR MY MODIFIED LOAN. I NEED CHASE TO SEND THIS TO ME IN WRITING. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian multiple times regarding this public record. 
Each time they say that information is correct and verified. 

When I complained recently to CFPB about XXXX XXXX double-reporting a settled account, XXXX XXXX replied to the complaint ( CFPB Complaint # XXXX and XXXX ) that they had ask for Experian to delete this record on XX/XX/2023. 

Experian has not deleted the Public Record as they were asked to do by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has charged my debt off and failed to provide the information I asked for. I didnt receive how much my debt was sold for. They sold my debt to multiple collectors violating my rights under the FCRA according to 15 USC Showing on my credit multiple times for the same debt. They sold my debt to XXXXXXXX XXXX XXXXXXXX and Absolute Resolutions XXXX. All 3 of these companies are reporting on my credit at the same time causing defamation of character.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX BLUE XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX PERSONIFY ) XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX Balance : {$10000.00}
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 XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

The agreement implemented XX/XX/2017 on a used vehicle purchase. the loaning companies truth-in-lending disclosure form is fraudulent the numbers are all wrong and doesn't add up
Product: Debt collection

The following debt collectors have places collections account on my credit report which the debt does not belong to me. 

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  Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear [ Collection Agency Name ], I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : 1. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt. 
2. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ).

In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights. 

Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information. 
2. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations.

3. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts. 

As per 15 USC XXXX, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.
Product: Mortgage

We received a letter today from Household Finance Realty stating they were going to take more money from our bank account because we have n't paid our taxes or insurance on our property.We always pay our own taxes and insurance on our property, This company has no reason to even take money other than the XXXX per week for our mortgage.When we refinced with them years ago they told us that if we paid weekly that our loan would be pd off in seven years so that is whar we did, we thought that was the best thing to do so when we got ready to retire we would have the loan pd off.When the seven years came about they were still taking money from our account so we called them and they said that was not the way it was suppose to be.Now they tell us we still owe XXXX on this loan and they are going to take XXXX more from the payment every week because we were late on our XXXX tax and did n't pay our school tax.We call our local off and we pd our XXXX tax XXXX XXXX and we do not pay a school tax because of the star program.We contacted our insurance company and we have always pd our insurance on time.I told this company that they do not have our permission to take anymore money out of our account, thsi company should not be in business, there have been thousands of complaints about them always saying everybody owes them more money, The government has to close this business up, so they cant take advantage of anymore people.We are contacting a lawyer to see why they are still in business even after the XXXX has had thousands of complaints.