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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX  - Account XXXX Please ensure that all information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX  {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, PHOENIX FINANCIAL SE {$640.00} XX/XX/2021, PHOENIX FINANCIAL SE {$930.00} XX/XX/2021.
Product: Student loan

I have emailed them and called them numerous times since XX/XX/year>. The only responses given are automatically generated. No one had 7 hours to wait on the phone. Shut this disgusting company down.
Product: Debt collection

On XXXX XXXX XXXXXX/XX/XXXX I sent a Debt Validation letter with no response but the Debt Collector updated status with credit agencies. On XX/XX/XXXX I certified mailed an second request for Debt Validation. The debt collector, Midland Credit Management, only mailed me proved that original creditor charged off in XXXX Chain of title, copy of any insurance claims filed. signed contract, and payment history with Midland Credit Management was never sent. Again, Midland Credit Management updated status, causes the debt to stay on my credit report until XXXX On XX/XX/XXXX, I mailed a third request for Debt Validation and Cease and Desist to stop reporting to credit agencies the debt and my personal information. I have not received any response and the debt is still on my credit report. I do not owe the debt. I never entered a contract or promise to pay Midland Credit Management. The original debt is charged off and paid. Also, I made many requests for the debt to be removed.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX in XXXX, I put {$2000.00} down I Also trade in my car to tried to lower the principal amount, the Toyota dealership located at XXXX XXXX XXXX, XXXX XXXX VA XXXX offer me a loan with Toyota Motors at the time I did not know what my interest rate was, at the time of signing the loan documents I found out that my payments will be {$730.00} after making almost a year of monthly payments at a very hard interest rate I was not able to continue with the payments, I fall behind for 3 months and, soon after Toyota repossess my car. I got sick and I did not work for a few months so I could not make the monthly payment of the Toyota motor on time.

after they repossess the car they sold it, Toyota motor never disclose to me the amount the car was sold for. they told me that I now owed {$13000.00}. now that I have worked hard and have some savings, I called Toyota motors to request a settlement back on XX/XX/XXXX they told me they will escalate the issue and will get back to me in the next 30 to 60 days. today is XX/XX/XXXX and no one has called or mailed me a letter in response to my request. I'm willing to settle this account with the company but they keep on ignoring me, it is very frustrating while I'm trying to work with Toyota they keep reporting to all 3 bureaus of credit, they don't want to give me the opportunity of getting this situation address. this is been a very frustrating situation to me.
Product: Credit reporting or other personal consumer reports

I am writing to you with a sense of urgency and righteous indignation regarding the gross violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B and 604. The wanton disregard for the law and my rights as a consumer by the involved parties demands immediate and aggressive action to rectify this injustice.

The deletion or suspension of accounts following a data breach and unauthorized inquiries is not merely a suggestion but a legal mandate under FCRA Section 605B [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes of consumer reports, is unequivocally relevant in this context. 

I am formally disputing the accounts detailed in my consumer credit report, which are clearly stemming from data breaches or fraud. The gravity of this situation can not be overstated, as it represents a direct violation of my rights as a consumer. I demand concrete, verifiable evidence bearing my signature or electronic signature to substantiate these claims. 

It is abundantly clear that these actions were initiated without adequate validation or presentation of original evidence from any of the reporting entities. Such egregious disregard for protocol and consumer protection laws can not be tolerated. 

I implore you to take immediate and decisive action to address this matter and ensure that justice is served. The involved parties must be held accountable for their XXXX  violations of the law and the harm they have caused me as a result. 

I expect nothing less than a thorough investigation and swift resolution to this matter. Anything short of that would be an affront to justice and a failure to uphold the principles of fairness and accountability that are enshrined in our legal system. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and the actions you will take to right this wrong.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXXr : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have previously received notice that this account was sold to XXXX XXXX for {$170.00} owed. After reaching out to them I was informed that XXXX had reclaimed ownership over the debt. I reached out to XXXX and was told that I owed {$320.00}. When I told the representative that I don't recall that amount they responded that it cost more because of unreturned equipment. 
I requested debt validation from XXXX and XXXX before the debt was sold again to a new collection agency. The final bill from XXXX reflects {$170.00} including unreturned equipment fees. I believe this proves that XXXX  and the current collection agency XXXX be reporting an incorrect amount owed Last bill reflects On XX/XX/2019 Previous Balance {$120.00} Unreturned Equipment {$78.00} Monthly Services ( XXXX ) - {$19.00} Total Due. {$170.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX I reviewed a response from Mr. Cooper regarding a communication they acknowledged receiving on XX/XX/XXXX, although they do not identify where they received this communication from. 
The response is dated XX/XX/XXXX and appears to be a response to a complaint I filed with the Florida Attorney General, although that is not stated in their response. 
The response from Mr. Cooper does not mention the Second and Final Notice to obtain hazard insurance or they ( RightPath Servicing ) will purchase hazard insurance on my behalf. I specifically mentioned this notice I received on XX/XX/XXXX from RightPath Servicing, in my complaint to the Attorney General, therefore, I can only assume this response is regarding my complaint even though there is no mention or explanation for RightPath sending this second and final notice, as requested by the Florida Attorney General. 
Mr. Cooper cunningly omits information regarding the Second and Final Notice sent to me on XX/XX/XXXX because this is the basis of my complaint and is also definitive proof of deception by RightPath Servicing. 
RightPath Servicing clearly stated Hazard insurance was needed on my property and goes on to describe this hazard insurance, that being, it would only cover the structure, such as the roof, of my property. I provided RightPath Servicing proof, multiple times, of having this hazard insurance coverage, as they described, through my HOA master policy. 
In XX/XX/XXXX RightPath Servicing charged me for HO6 insurance and not hazard insurance as described in this Second and Final Notice. My mortgage payment was increased by {$1000.00} per month. 
There is no mistaking what HO6 insurance coverage is and it surely isnt what was described as Hazard insurance in their notice dated XX/XX/XXXX. 
This deliberately deceptive practice can cause many, like myself, to be threatened with foreclosure if they do not pay into this fraudulent scheme. Mr. Cooper is now refusing to accept my mortgage payments, after I did not sign the loan modification they sent me, a modification I did not request. I was, conveniently, pre approved for this loan modification I did not request or apply for. 
I understand, per their response, that Mr. Cooper is now in the process of foreclosing on my property. I have sent RightPath Servicing monthly mortgage payment that they have refused to apply to my loan.

RightPath Servicing/Mr. Cooper has clearly violated the FDUTPA, The Florida Deceptive and Unfair Trade Practices Act with their deceptive practice, as stated above, and must be investigated. It is very likely, given the troubling history of Mr. Cooper, that a class-action law suit may be necessary. 

Each response to the CFPB, by RightPath Servicing, claiming to have already addressed this issue shall be recognized as a separate offense.
Product: Debt collection

This company apparently forged signatures on the documents they have. They have no contract with me to pursue any kind of debt. In direct violation of the FDCPA XXXX XXXX XXXX ( g ), this company has not provided verified documentation. No documents notarized. They dont even have standing to pursue litigation in this matter. Per the Federal Trade Commission, reporting must be accurate. They are reporting this alleged account as an open account that would have been closed if its in collections. This is in direct contradiction to 15 USC 1681s-2, which clearly states - 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This company is liable for damages.
Product: Checking or savings account

I have fees that come out of my account and my wife 's accounts. Also, they done my wife 's account nsf and had her account all jacked up. But as soon as her check went in it all started with the nsf went away and the money in question disappeared too. 
Requested an appointment to see a bank agent in which couldn't see the closest bank but had to see the one 12 miles away from me. 
Still they had no explanation, and claimed they don't see it now.
Product: Debt collection

I received a bill from XXXX XXXX XXXX. I contacted them to let them know I don't owe. This account for {$1200.00} is for a balance from XXXX Hospital. The problem is that XXXX does not apply the financial discount to the balance or basically adjusting the balance minus your copay {$20.00}. I contacted XXXX on XX/XX/XXXX and spoke with representative XXXX who advised me that her supervisor would be sending the information to the collection agency to adjust the balance to {$20.00}. I advised her that the account should not have gone to collections and if so it should have been sent over for the balance of {$20.00} that is owed and not {$1200.00}. She then advised that because I did not pay the copay at the time of service that is why the bill was sent to collections. I have previously disputed this bill with the collection agency. They know I don't owe this and reported it to my credit again on XX/XX/XXXX. I am requesting that this account is removed from my credit bureau as it should not have been reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX and several other dates, Transunion certified that they validated/verified information on three different accounts and that the information was accurate and continue to report the information. The information they're reporting are as follows : They certified that XXXX  XXXX XXXX  reported a payment on XX/XX/XXXX for an account they verified was closed on XX/XX/XXXX ; they " updated '' this account XX/XX/XXXX They are also reporting a VA Dept of Social Services account as open ; but have a date closed of XX/XX/XXXX. In addition to this same account, they certified that they verified payments on this account however they are reporting COL ( collections ) on the accounts for the months of XX/XX/XXXX and XX/XX/XXXX ; when payments were made ( I have proof ) Finally, on an account with XXXX XXXX XXXX, they are reporting that they verified the account was accurate but they have a date opened of XX/XX/XXXX and a date closed and paid of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquire that I never approved from Bank of America onXX/XX/2017. I attempted to reach creditor and was unable to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.
Product: Debt collection

I received a collection notice for an erroneous debt. I have contacted the original company for years for them to quit charging me for something I was not receiving and a subscription I have cancelled numerous times. I can not get written communication verifying that anything is resolved, only verbal. I want every communication regarding every complaint I file anywhere well documented because our legal system doesn't protect consumers from having a debt keep popping up with various collections agencies even when you pay it. I want complete documentation from the company and the collection agency that this is resolved.
Product: Debt collection

I sent multiple request for validation and they do not respond. Last letter was sent on XX/XX/2018 certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; Dept Of Ed/XXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/XXXX XXXX Balance {$0.00} ; Dept Of Ed/XXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$10000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I called chase to product change a card and the customer service rep changed the wrong card resulting in my accruing less rewards and not having use of the chase travel portal. Chase has delayed the reversal of this change each representative telling me that it would take a different amount of time to see the reversal. I am traveling in 1 day and am unable to use my card for travel as they changed the expiration date on the unwanted card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have owned my home since 2014 and the mortgage has been paid in full. Experian, XXXX and XXXX is still reporting on my credit report a balance from of XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from XXXX XXXX.
Product: Debt collection

ON OR ABOUT XX/XX/2014 TRANSWORLD PLACED A INVALIDATED DEBT INQUIRY, ON XXXX/XXXX/2014 SENT THEM VALIDATION REQUEST CEAST AND DESIST ORDER IN VIOLATION OF TCPA, FDCPA, FCRA ETC.
Product: Checking or savings account

I report a charge to my account and disputed it then XXXX told me he is closing my accounts because I told them I was filing a police report and speaking legal he then told me that no one in the bank can override him he is the highest person in the bank. When I then as to speak with his manager and about my dispute he hung up on me. I want him to be XXXX and them to reopen my business account asap.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on account that I was in fact paid on time. The Consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I have attached a copy of my credit report to this complaint on the following date ( XXXXXXXX XXXX ). I'm now requesting you investigate this accountant update these payments to paid on time immediately. Thank you for your understanding and prompt action.