23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi I have been disputing this account for years now because it is t mine and it is affecting my credit score. This account apparently went unpaid for some time and is now in collections. My score is in the XXXX. I have even resulted to paying off this debt that isnt mine just to fix my credit but then someone told me I should stop doing that and just continue to report it. I dont know what to do. I even recently found out that it might have been my estranged mother who open the account all those years ago. I have spoken to her since I was like XXXX  years of age. She lost custody of my siblings and I about 20 years ago. This woman has no ties to me other than she birthed me. I cant say for sure whether it was her but my family and I have our suspicions. This a a serious case of fraud. And I need this account removed as soon as possible from my report and if I could get back any money I paid to it or not its okay if its lost I just didnt know that I could leave it unpaid. Theres a lot I dont know about credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the lack of response from your company regarding the disputes I have submitted for inaccurate information on my credit report. Despite sending disputes to XXXX, XXXX, and Experian detailing the errors and violations of my consumer rights, I have received no resolution or acknowledgment from your end. 

It has now been well over 30 days since I submitted my disputes, and your company has blatantly failed to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Specifically, you are in violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as disputed, as well as FCRA 605 ( c ) by running the reporting period despite inaccurate information being present on the account.

Furthermore, your failure to validate the collection account in question constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

Attached to this letter are copies of all the dispute letters I have sent previously, clearly outlining the inaccuracies and violations present on my credit report. 

I demand that immediate action be taken to rectify these issues and ensure that my consumer rights are upheld. Failure to do so will leave me no choice but to escalate this matter further, including seeking legal counsel and filing formal complaints with the appropriate regulatory bodies. 

I expect a prompt response and resolution to this matter within [ insert timeframe ]. Your cooperation in this regard is greatly appreciated.
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-Navient ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late, XXXX did remove this??
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Barclays keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account numbers XXXX and XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Student loan

In the summer of XXXX I agreed to co-sign a loan for 1 semester at XXXX  XXXX XXXX  for my nephew. Unbeknownst to me my nephew took out a loan for an entire school year. Two weeks later my nephew asked me to co-sign for an additional {$1000.00}. I told him no, my nephew then used the information that I had given him for the legitimate request to co-sign for 1 semester ( approx. {$2200.00}. ) to fraudulently obtain the additional {$1000.00}. I reported this to Discover Student Loans, and was advised by them to file a police report. When I tried to file a police report a sheriff at the XXXX XXXX XXXX XXXX XXXX  told me that because I willing gave my information to my nephew I could not file a police report, but that I would have to file a lawsuit. ( which I did do, on XX/XX/XXXX filed a small claims for {$1200.00}, which is {$1000.00}. plus interest ). my nephew paid me {$1200.00} and the court awarded me {$99.00} court cost. ) For the {$8600.00}. loan it was dismissed without prejudice because it was brought too soon. I did give my personal information to my nephew however he used it fraudulently to obtain loans for more than I agreed. I found out much later from the FTC that the XXXX XXXX XXXX XXXX XXXX  was incorrect with what they advised me.
Product: Debt collection

A person named : XXXX XXXX Called me at work telling me that I own money to XXXX XXXX, This account was already discharged on Bankruptcy and she is telling me is another account. 
When I asked to send me all the paper work to my address the person was very rude an told me ill see in court. 
The number was XXXX-XXXX-XXXX.

The male that was rude call me back from a XXXX-XXXX-XXXX-XXXX I also sent the bankruptcy papers to a Fax XXXX-XXXX-XXXX-XXXX
Product: Vehicle loan or lease

XX/XX/XXXX started repayment plan with plaza services initiated by XXXX XXXX XXXX XXXX 1 year payment plan paid of in XXXX following year. Plaza took 2 payments in XX/XX/XXXX. Have never received title have contacted numerous times no answer on phone or by Email. XXXX original loan company says they washed hands of the loan when sold to Plaza. Original problem started with XXXX because never received title to put Motorcycle on road in MD. spoke with multiple times was told would get after a year got fed up told them would stop paying on and put money into Escrow until received title. So they put Bike up for Repo then Spoke with Repo company whom assured me I would get title once paid of. If I took payment plan from Plaza Services LLC. so did that. When I go onto there website it shows I owe XXXX which I have no problem paying as long as I get my title. Have tried contacting customer Multiple times no response with Email or Phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information that CB/EXPRESS has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for CB/EXPRESS to furnish my information to creditors or obtain my information from other sources.

Upon reviewing my credit report, I have noticed entries that suggest CB/EXPRESS has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

To whom It May Concern, I am writing to formally dispute an error on my credit report regarding an inaccurately reported late payment. I recently reviewed my credit report and found that XXXX, XXXX, XXXX has reported a late payment on my Capital One account, which is incorrect. 

I closed this account in XX/XX/year> with a XXXX balance, and I have never had a late payment or any outstanding debt on this account. The reported late payment is a mistake, and I request that it be removed from my credit report immediately. 

To support my claim, I have attached the following documents : A copy of my credit report highlighting the error A confirmation letter or statement showing my account closure with a XXXX balance Any additional supporting documentation I request that this inaccurate information be corrected as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with written confirmation once the correction has been made. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and 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: Checking or savings account

Td bank keeps charging over draft of XXXX.i reach out to them and no help.they have charged me up to XXXX for over draft.and I haven't used my checking account since the XXXX of XXXX Now they have me up to XXXX .charging me over and over
Product: Debt collection

This complaint is regarding Portfolio Recovery Associates, XXXX ( here after referred to as PRA ). PRA is attempting to collect on debt ( s ) in which they say I owe them totaling up to {$10000.00} for 12 accounts. Ive made numerous attempts by sending certified letters via mail on XX/XX/2020 and XX/XX/2020 to PRA requesting them to provide me with certified copies of these accounts and any viable evidence showing VALIDATION ; that is competent evidence bearing my wet signature, showing that I have or ever had some contractual agreement with PORTFOLIO RECOVERY ASSOCIATES, XXXX. PRA are reporting fraudulent tradeline accounts to my credit reports that has and continues to impact me severely. 

Moreover, PRA has not provided me with sufficient documents in regard to a contractual agreement between myself and PRA stating that I owe the above-mentioned amount of debt. This is not sufficient and compliant of federal laws under the Fair Debt Collection practices, the Fair Credit Reporting Act, and the corresponding local state laws.
Product: Mortgage

We purchased a condo in XXXX XXXX, fl. Closed on XX/XX/XXXX. We received a letter a month after closing saying we needed flood insurance from the mortgage company. We are on the 3rd. Floor, the condo association provides flood insurance. We provided the mortgage company with the documents from the condo association. They are still stating we need flood insurance. No one else in the condo has flood insurance. The mortgage company proceeded to put us in collections and opened an insurance policy for {$3600.00} for flood insurance and opened an escrow account. We have contacted the mortgage company several times and they are still saying we need this insurance. Our broker said they should have never let us close if this was an issue. ThankYou.
Product: Debt collection

I do not owe this debt I never followed through with this doctor 's office. Please! Provide written stating showing I owe this debt. It has been removed from my XXXX  file already.
Product: Credit reporting or other personal consumer reports

They did not fix the problem.They were harassing me and still my credit was a same.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Cash app is the company I am composing about I have had missed money from my account extra fees added on to transactions. I have had my app locked which means you are not able to access money. But several times money has came up missing. There is no way to contact them no live agent, when I call the number it would be wrong or just ring and hang up. I founded a lot of misleading situations with this company cashapp.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numbe # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my TransUnion Credit Report. 
TransUnion looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing TransUnion on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now the company XXXX XXXX account number XXXX trying to illegally add the same creditor under a new name XXXX XXXX XXXX back to my credit report under a new account number but same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with TransUnion versus my report with XXXX, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECEIVED A INQUIRE ON MY MEMBER ALERT FROM XXXX BACK IN XXXX  FROM XXXX XXXX AND XXXX XXXX, I CALLED BOTH BUSINESS AND TOLD THEM ITS FRAUD AND THEY SAID THANK YOU AND WE WILL NOT FUND THE DEAL. BUT THEY KEPT THE LOANS ON MY CREDIT FILE WHEN THEY WERE WARNED BEFORE THE VEHICLE WAS TAKEN AND FUND, THEY DIDN'T LISTEN TO ANYTHING I SAID AND LET A PERSON USE MY IDENTITY ANYWAYS. 
I HAVE SUED XXXX XXXX XXXX AND HAVE WON A JUDGEMENT AGAINST THEM AND XXXX XXXX IN XXXX XXXX
Product: Credit card or prepaid card

I h  ave had a Sears credit card for many, many years.
Sears replaced my revolving credit card with a Mastercard account.
I do not use the card, but keep it for emergencies -- auto repair, appliance replacement, other services provided through Sears.
Without notice, because I have n't used the card, Sears reduced the amount of my available credit.
When I called, "   XXXX   '' said that I should have used the card in order to keep the amount of my available credit.
WHAT? They are bullying me into using their card!
Further, they told me that it is their policy to reduce the amount of credit available because I have n't used the card.
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, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted a lengthy review of my credit report to Experian. Experian stated it was me who submitted it, so they denied it despite me showing identification proving I submitted the report. I demand that the credit bureaus review my dispute in detail and show absolute proof these debts are mine ( which they can not ), or remove them altogether. 

If CFPB has powers to order their removal, then I request this step be taken