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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.
Product: Credit card or prepaid card

XXXX ( one credit card ) and CapitalOne ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my CapitalOne credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX, XXXX XXXX CO, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT YO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage  Lender  is reporting Foreclosure Status. This home has never had a Foreclosur e Sale Date (  it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.  <P/> Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure  Sale Date on Calendar.
Product: Credit reporting or other personal consumer reports

For the collection accounts, and I am requesting the following documentation : The XXXX XXXX XXXX proving the legal transfer of ownership. The XXXX XXXX of XXXX documenting all prior owners of the debt. An Affidavit of Ownership attesting that the current entity is the rightful owner of the debt. If the above documentation can not be provided, these collections must be removed immediately as they can not be verified per FCRA 1681i. The accounts listed as charge off have been improperly reported as charge-offs multiple times instead of once, violating 15 U.S.C. 1681e ( b ). These accounts were charged off once, yet the charge-off status has been re-reported month after month for up to a year some over a year, which is inaccurate and misleading. Charge- offs can only occur once, and repeated reporting artificially prolongs the negative impact, violating FCRA accuracy requirements. These accounts must be removed immediately for failing to adhere to 1681e ( b ). Consumer claimed to have verified the information but only made false remarks/status on report. Additionally, under FCRA 1681n, willful non-compliance with these obligations entitles me to statutory damages ranging from {$100.00} to {$1000.00} per violation. Notably, I do not need to prove actual harm to claim these statutory damages. Furthermore, I will be pulling all past disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) to review the lack of action taken in response to my disputes. If this matter is not resolved immediately, I will also be pursuing legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
In a letter back in my first dispute, I requested PHYSICAL VERIFICATION OF PROOF THE CREDITOR USED TO VERIFY THIS ACCOUNT IS ACCURATE. As of this date and two disputes later, I have not received anything from your credit bureau, but I did contact you a couple of weeks ago and spoke to a XXXX and I was told by XXXX that when investigating disputes, everything is sent electronically including the Creditors response ; which in my case the Creditor listed didnt send any documents to verify that this account was accurate. 
I requested why I didnt receive documents that the Creditor sent to the XXXX XXXX ; I was told there wasnt any documents sent, the Creditor just responded that the information reported is correct without having to provide any documentation to support the claim. I received a response back from you stating that the consumer stated that the information in the credit file has been VERIFIED AS ACCURATE AND UPDATED. 
My next step is to contact the Federal Trade Commission, the local news, XXXX to get the answers I deserve as a consumer. 
I am supposed to be protected through the Fair Debt Collection Practices Act. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this debt and if they can not verify then the item must be deleted from the report as soon as possible : The listed item is completely inaccurate the item attachments ). XXXX XXXX is the original creditor. My account with XXXX is paid monthly. As you can see I can extend my time whenever I chose by calling, see attachment. Also, from Ashworths own website, I can cancel at any time and they will deduct the amount of the tuition which by their schedule, I have not submitted fifty percent of the assignments, so why am I being charged the full tuition amount. If anything, I completed 25 % of the assignments and should pay a portion. 
I never cancelled the course just postpone due to financial reasons. Per their own document on their website, I will need to cancel my program in writing. I never submitted a cancellation letter, so I am requesting a copy of this alleged letter to validate their claim.
Product: Credit reporting or other personal consumer reports

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a Fifth dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is unfamliar to me. Remove this account ASAP. 

XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is unfamliar to me. Remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) ACCOUNT NUMBER : XXXX ORIGINAL ACCOUNT NUMBER : XXXX AMOUNT DUE {$8400.00} To Whom It May Concern, This letter serves as a formal notice to Credit Control , LLC to immediately cease and desist all collection activities and any further reporting of inaccurate information regarding the alleged debt associated with me.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease all communication with me, my family, my employer, or any third parties regarding this matter. Any further attempts to collect this disputed debt or to contact me in any formwhether by phone, mail, or electronic meanswill be considered a direct violation of my rights under federal law. 

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report only accurate and verifiable information to the credit reporting agencies. If you continue reporting erroneous, unverifiable, or fraudulent information, you will be in violation of the FCRA. I demand that you : XXXX. Immediately delete any inaccurate, misleading, or unverifiable information you have reported to the credit bureaus. 
XXXX. Provide validation of the alleged debt, including a full account history, itemization, and evidence of my contractual obligation to pay. 
XXXX. Cease all collection efforts, as this alleged debt has been disputed and may be associated with identity theft. 

Failure to comply with my request will leave me with no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as seeking legal action for damages under the FDCPA and FCRA. 

This letter serves as legal notice. Any further unauthorized collection attempts or continued reporting of unverified information will be considered willful noncompliance, subjecting your company to statutory damages, attorneys fees, and additional relief as permitted by law. 

You have 30 days from receipt of this letter to comply. Failure to do so will result in further action. 

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

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

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

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

Upon checking my credit score, which suddenly dropped, I discovered a credit card debt from Goldman Sachs Bank of {$5000.00} had been charged off as a bad debt on my credit record. I have never had a {$5000.00} credit card in my life!! This debt has been fraudulently placed on my credit record, causing me great harm!! I sent a certified letter demanding a removal of the debt and corrections made to appropriate credit reporting agencies.
Product: Mortgage

We refinanced our mortgage through Quicken Loans on or about XX/XX/XXXX ; LOAN ID # xxxxxxxxxx. Earlier in XXXX, there was a lot of weather related damage to properties in XXXX, XXXX. So, consequently ; our hazard insurance premium for our home in XXXX, XXXX, increased quite substantially. Being in our seventies and on social security, we are used to working with a meager budget. So, to stave off a large increase in our monthly mortgage payment ; we sent in a personal check in amount of {$240.00} for our escrow account to the Quicken Loans payment center ATTN : Escrow Department, at XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX. This amount would cover the increase in premium for XX/XX/XXXX ; hazard insurance premium payment ; and, the other half would pad the escrow sufficiently for XXXX and keep our monthly mortgage payment about what we have been currently paying. We sent the check and cover letter via first class mail certified with return receipt as we could ill afford to have this check lost or misplaced. Certified article # XXXX. According to U.S. Postal records, the article was received by an authorized courier XXXX XXXX - XXXX on XX/XX/XXXX ; at XXXX XXXX local time. The post office sent us back the signed return receipt article # XXXX. On XX/XX/XXXX ; we contacted XXXX XXXX at Quicken Loans to ascertain whether our check amount had been properly applied to our account. We were transferred to a XXXX XXXX in the Corporate offices who allegedly had a team, including two attorneys looking for the check. On XX/XX/XXXX ; she called us to state that they did not locate the payment/check. She further advised us to stop payment on the check ( no offer to defray our expense for that service ) and we could allow them a one time no charge EFT for the amount or we could sent a replacement check to the same payment center address above. This has us extremely upset ( against doctors ' orders ) and financially burdensome and stressful to have to under go this additional processes with some corporate mopes who we probably can not and/or should not trust to electronically get into our bank account to mess things up further for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, Transunion is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Product: Money transfers

i recently make a purchase using how payment metode paypal butthe seller never give me the service i make a claim inside paypal butthey go in seller favor this is the unique transaction number XXXX and i thinking this is fraudulent seller soplease helpme to get back my money
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are not mine, and I have no connection to them or a contract with them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove these accounts they are hurting my ability to obtain credit.
Product: Debt collection

Synchrony, number just used - XXXX it is different all the time, has called our number thousands of times, no exaggeration, over the last few years. They are calling for a XXXX XXXX, whose name they just recently referred to. XXXX XXXX has NEVER lived in our home and I myself just looked up his number on XXXX easily enough, why can't they. This company has harassed us for years over someone else 's dept! Please get it to stop. Thanks