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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX Initial correspondence sent to Credit reporting agency XXXX XXXX XXXX XXXX Transunion XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Left multiple message at my place of employment with multiple people stating they are from the XXXX XXXX office. Also left messages including my name and stating they are XXXX XXXX the actual attorney looking for me.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XX/XX/year>
Product: Debt collection

I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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

My account with XXXX was 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 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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payment was made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FINAL LEGAL NOTICE IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT ONLINE INFORMATION SERVICES OR FACE LEGAL ACTION To Whom It May Concern, This is a final demand for the immediate removal of the fraudulent and unverified account still being reported on my credit file. Despite previous disputes, this account remains, and no valid documentation, contractual agreement, or legally required debt validation has been provideda clear and willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). 

Your failure to conduct a legally compliant and thorough investigation is a direct breach of federal law. This constitutes reckless disregard for the accuracy of consumer credit information and negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o, making you liable for statutory damages, actual damages, attorneys fees, and punitive damages.

If this fraudulent account is not removed immediately, I will escalate this matter by : 1. Filing lawsuits against Experian, Equifax, and TransUnion for their negligence in reporting unverified and fraudulent information in violation of 15 U.S.C. 1681e ( b ) ( failure to maintain accurate records ) and 15 U.S.C. 1681i ( a ) ( failure to conduct a proper reinvestigation ).

2. Filing a formal complaint with the CFPB, FTC, and my states Attorney Generals office to hold all parties accountable for these violations.

3. Pursuing civil litigation against Online Information Services and all credit bureaus involved for fraudulent reporting, failure to investigate, and violations of federal and state consumer protection laws.

This is not a requestit is a final legal demand. Failure to act will result in immediate legal consequences without further notice.
Product: Mortgage

On XX/XX/2020 - Loancare paid out of our escrow account - {$1000.00} to XXXX XXXX XXXX - we contacted them immediately, as this is NOT our insurance company, our insurance was NOT due and it was only {$510.00}. After many phone calls - they finally admitted that it was paid for a XXXX XXXX in XXXX XXXX, IA. 

A complete MISTAKE made by them! 

We were called on XX/XX/2020 and told it would be resolved within 7 days. On XX/XX/2020 - this was not fixed so we called to speak to a supervisor. She informed us that it was a mistake and they were working on it - but humans make mistakes. Then told me she would be in contact daily with updates. We received a call on XX/XX/2020. Nothing since and it has not been resolved! They are showing us with a negative escrow balance of {$730.00} and increased our monthly mortgage payment because of it! Our payment has gone from {$600.00} to now {$730.00}! As of today our escrow balance should not be negative but have a positive balance of {$340.00}!
Product: Credit reporting or other personal consumer reports

The credit bureausEquifax, XXXX, and TransUnionhave violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating 15 U.S.C. XXXXi ( a ) and XXXX ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under 15 U.S.C. XXXX ( b ) of the GLBA, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures. 
These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.
Product: Debt collection

The Company claims that this debt is owe to them I have ask for a validation of this debt on multiple times no response to date and this is NOT ACCUARTE and NOT CORRECT. 
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 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

I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the equifax data breach. My Identity had been stolen and I am currently in the process of sending letters affidavits police reports and the like to repair my credit. My equifax report is non existant. No company, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, etc can report or find my equifax report. I did research and dug in trying to verify and find my consumer report and after failure after failure with equifax I discovered it still exists but 7 years or more has been erased and my name is my XXXX name and my address is from years ago. My consumer report is not connected to my legal name and address and date of birth or ssn. I have tried and tried to fix this with equifax have send verification documents and the like but I have received multiple different responses such as I don't exist and that there is nothing wrong with my consumer file basically saying that everyone in world is wrong and they are right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  should not be reporting to XXXX ; Experian and XXXX that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Coinbase has two separate User Interfaces for selling cryptocurrency. The simple, and default, user interface has fees that are 2-3x as high as using the alternative interface. On XX/XX/year>, I sold {$12000.00} in XXXX cryptocurrency and got charged {$180.00} in fees. The fees on the 'advanced ' / alternative user interface would have been far lower -- {$76.00}. 

On XX/XX/year>, I contacted Coinbase in order to receive a refund for the difference in fees for the sale. The agent refused to make this refund, additionally incorrectly claiming that it was due to the order type or the fact that the transaction happened on the blockchain. Neither are relevant to partial refunds of Coinbase fees.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX I contacted Wakefield associates at XXXX and member said she is unable to locate the account XXXX. I provided the account number reported on my profile. I advised they are reporting inaccurate information on my credit profile. In the amount of {$1300.00} XXXX XXXX XXXX XXXX. She said they have different people that matches my personal information in multiple states. The person was unable to validate this debt and match anything to my information. She asked for my social I refused and advised she should be able to locate the account with the account number provided which was reported by them on XX/XX/year> says status updated XXXX XXXX XXXX This information is reporting on my XXXX credit report. I told her I will be reporting to the CFPB. She said that is the way to go about disputing the debt because they could not find me. I advised my identity has been stolen and I have not received any communication from anyone validating this debt. I refused to give my social because the account number they reported should be enough as I told the XXXX advocate. This is violation of XXXX to sell medical records and private Information.

She said she will put in a ticket and she cant find the account. XXXX with Wakefield associates. She said she hopes it get resolved. XX/XX/year>. I provided her with account number that is listed on my credit profile and she repeated multiple times during the call that no account was located. Im already a victim of identity theft and this account should be removed immediately.
Product: Debt collection

I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Debt collection

The apartment complex The XXXX XXXX  XXXX XXXX  XXXX  continues to state that there is a previous debt. The debt has been disputed by myself with the collection agency. The apartment complex resubmitted the collection and has appeared on my most recent credit report.
Product: Money transfer, virtual currency, or money service

Money was taking out of my cash app by companies that I had no dealings with such as XXXX, debtcollectors, & medical billings etc..I believe that there was some kind of data breach because my information was improperly accessed due to cash app terms and policies
Product: Debt collection

Been receiving calls to collect debt that I owe to Synchrony Bank, decided to call them to have them stop calling me late in the evenings. Since I've made that call, the past 2 days I receive calls where I decline and it immediately rings again. I have received over 150 calls in 2 hours!! I had to place my phone on Do Not Disturb just so my work would not be interrupted. They said they have no record of this happening and but they will try to investigate into this further, I already have screenshots and videos of them calling be repeatedly. This is something I have never experienced before in my life.
Product: Prepaid card

I purchased $ XXXX ( XXXX/XXXX/XXXX ) and $ XXXX ( XXXX/XXXX/XXXX ) XXXX gift card from paypal. However, when I try to use them today I found XXXX {$50.00} and XXXX {$100.00} was {$0.00} balance. After search on internet, I noticed that paypal giftcard system have been hacked last year. I believe my lost is due to paypal 's system been hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke ro capital one about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.
Product: Debt collection

Requested debt validation or contract between me and said company and never received it
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>