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

I have disputed the Public Records and on My credit report which was reported by a third party and i have sent over documentation showing that it was not supposed to be on there furthermore they have Violated my FCRA, Privacy and Gramm-LEach-Bliley act rights. This is what have been violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act. 

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley AcXXXX requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX  acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the rights to privacy.

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I paid for lawn mowing services through Chase XXXX. There was never a warning message when sending money. The requester did not complete the services and I was not able to be refunded the money that he owed me for the services he did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation with this company via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. My letter was very clear and concise. I asked for the company to provide me with true debt validation IN WRITING : My letter also states : " Until proper validation is provided, you are to cease all collection efforts. '' I also requested in my letter that no telephone contact be made by the company, and that any correspondence with me MUST be done in writing via USPS. 

The company has ignored my requests, and has repeatedly attempted to contact me via telephone. I have also received XXXX emails from different email addresses that seem to be referencing this alleged account. 

I have received nothing from this company in writing. 

The first email was sent on XX/XX/2022. In that email, it states that multiple phone call attempts to collect this alleged debt have not been successful. This email is threatening in nature. This email goes on to say that my alleged balance can continue to accrue interest and fees which will raise the alleged balance. This email does not give an alleged amount owed. 

The second email was sent on XX/XX/2022, and this email only suggested that I start a dialog with this company online to settle an alleged past due balance. Again, no amount owed was included in the email. 

The last email I received was on XX/XX/2022. This email stated the company was reaching out to me to invite me to their new online platform that would allow me to settle my alleged account, set up a payment plan for the alleged account, or pay off in full the alleged amount owed, which is still unknown as it is not included in this email. There is a link that says " Click here to Make an Offer. '' The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to harass me via telephone and email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting. 


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Product: Debt collection

In XX/XX/XXXX I was diagnosed with a XXXX XXXX XXXX XXXX and my XXXX XXXX doctor recommended XXXX. I contacted a recommended doctor for a second opinion. Upon calling the doctor - XXXX XXXX at XXXX XXXX in XXXX   XXXX, New York, I asked whether they accepted my insurance as I was only going to get a second opinion from an in-network doctor on my plan ( XXXX XXXX ). XXXX XXXX explained to me that they were in my network and that no charge would be imposed for a consultation other than a copay. 

I went for the consultation, paid the copay and ultimately opted against XXXX. 

I began to get bills from XXXX XXXX for {$140.00}. I discussed with them the issue - that they had told me they accepted my insurance - and they explained they no longer were on the plan. I contacted my plan and I filed a complaint with the XXXX Department of Financial Services. 

Since that time I am now being sought by XXXX XXXX XXXX XXXX ( Letter dated XX/XX/XXXX, Account # XXXX ). I am filing a complaint against the collection of this debt given that it is unlawful.
Product: Debt collection

I am reaching out today because I have been disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for over a year. Back on XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I sent a letter to XXXX XXXX advising them that I was disputing the account XXXX Reference XXXX. I asked them to validate the alleged debt and also asked that they terminate the claim and correct any marks on my credit. 
I have not heard back from them and I fear that this will delay my efforts to resolve this dispute with XXXX directly. Are you able to assist with this matter? 

Meridian Financial Services , INC . 
XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit file and see that I have unauthorized credit inquires that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act consumer has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1681 improper use of my credit report I have never signed a contract with Jefferson capital I have asked for validation of the debt with the ORIGINAL SIGNED CONTRACT WITH THIS COMPANY NAME THEY ARE ALSO REPORTING A CHARGED OFF ACCOUNT WITH A XXXX BALANCE AT 100 % paid which is incomplete and violates 15usc1681
Product: Mortgage

I have been trying to get a loan modification with SPS. When I speak to the lender they always say that the loan is in default and has been referred to an attorney. However, I have received modification papers and made the first trial payment at this time. ( The second payment is not yet due ) When I remind them of this they then tell me my ex-husband must sign the paperwork as he was the original person on the loan. My divorce was finalized prior to the loan modification and my ex-husband quit claimed the property to me. These documents were sent to SPS in XXXX when I started the modification process. The trial modification paperwork that SPS sent to me identified my ex-husband as the original borrower and me as the new borrower. They requested and was sent finalized divorce statement and the quit claim documents again but they are still dragging their feet about recognizing me as the new borrower. Since he quit claimed the property to me he is irrelevant in regards to this loan. My ex is lives in another country and is not easily accessible.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 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: Credit reporting, credit repair services, or other personal consumer reports

The inquiries were not authorized. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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: Debt collection

XXXX XXXX failed to send any communication regarding our deposit after moving out. Instead, they sent me and my wife to collections. I requested proof that they communicated the amount due within the 30 days allocated by Texas state law, but they never sent anything to verify that we did owe this debt. 

We appealed to the debt collector, but they refused to verify the information either and continued to hold us responsible for an unconfirmed debt.
Product: Credit reporting or other personal consumer reports

VERIFIQUE THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX - XXXX XXXX - XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been locked out of my mortgage account on line. I no longer receive paper statements. When I log on I am directed to a homeowner 's assistance page that will not allow me to have access to my account. I am current on my loan. I have called several times to resolve the matter. Each time I am assured that the matter is resolved and then I wait a couple of days and I am still locked out of the account.
Product: Mortgage

GOT HELOC LOAN IN XX/XX/23 ', INTEREST RATE 9.87 %, INTEREST ONLY PAYMENT FOR 1st YEAR, {$430.00} MONTHLY. THEY SOLD LOAN TO SPECIALIIZED LOAN SERVICING IN XX/XX/23 ', THEY SENT PAYMENT COUPON STAING PAYMENT NOW {$1100.00} MONTHLY!!!! I CALLED, THEY SAID APR RATE NOW 10.12 % BUT I SAID IT'S NOT EVEN 1 % INCREASE SO CAN'T BE THAT MUCH INCREASE, IT'S OVER DOUBLE!!!!?!??! ANYWAY NO RESOLVE WHEN I CALLED!!!!! CAN YOU HELP ME??
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention an issue I have identified on my credit report pertaining to the reporting of late payments. After a thorough review, it has become apparent that there are inaccuracies in the representation of my payment history. 

I acknowledge that maintaining accurate and up-to-date credit information is crucial, and I am committed to ensuring the integrity of my credit history. However, I have identified instances of late payments on my credit report that I believe to be inaccurately reported. 

I kindly request that your bureau conducts a thorough investigation into these inaccuracies and, if necessary, corrects or removes the reported late payments from my credit report. It is important to me that my credit report accurately reflects my financial responsibility and standing. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

BSI FINANCIAL SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BSI FINANCIAL SERVICES customer service representative. 


I understand that the resolution of such matters takes time, but I kindly request that you expedite the process and provide a written confirmation of the corrections or removal of late payments from my credit report within [ reasonable timeframe, e.g., 15 business days ] from the date of receipt of this letter. 

I appreciate your prompt attention to this matter and trust that your organization will uphold the standards of accuracy and fairness in credit reporting.
Product: Credit card

Dear sir/ms, Here is the thing. I have a BOA XXXX XXXX credit card with XXXX whose expiration date is XX/XX/year>. Around this XXXX, I received message in my BOA app saying that a replacement card has been mailed to me, which have the same card number and with a updated expiration date. However, I have never received that card. 

On XX/XX/XXXX, I noticed that there are XXXX fraud charges a total of {$350.00} which are made on XX/XX/XXXX and XXXX. So I immediately report this to BOA. I explained to BOA that it I did not make those purchases, and my BOA card XXXX is always with me and it is not stolen and no one else used it. I also mentioned to BOA that since I never received that updated BOA card, it is possible that USPS mistakenly put my mail in other people 's mail box. That bad person opened the mail and used my card. That is how come there were XXXX charges made using my XXXX card. This is the only way I can think of why my card is used by some one else. Then BOA issued my a refund of {$350.00}, and send me a new card with a new number ending with XXXX. 

However, on XX/XX/XXXX, BOA reversed the refund of {$350.00} and charge this amount on my replaced BOA card ending with XXXX. I found this and I called BOA around XX/XX/XXXX about why they denied my fraud claim of {$350.00} which were made using my XXXX card. They told me that it is because they found that the chip of XXXX card is physically read when some one is making the XXXX fraud purchases on XX/XX/XXXX and XXXX. 

I told BOA that, I really did not use my XXXX card to make those XXXX fraud purchases of {$350.00}, and all I can think of is that since BOA mailed me an updated XXXX card and I never received the card, it is possible that USPS driver mistakenly put my mail in some XXXX else 's mail box, that bad guy opened my mail and used the card. Also, BOA is the only credit card company that, when the customer received the replacement card, the replacement card does not require activation. This is extremely stupid. That means in case some one received my new card by mistake, he/she can just use my newly arrived card without activation. In such case, of course the new card can be physically presented in the store, and used by some one else. But this is really fraud purchase which are not made by me. If BOA card requires activation, such fraud purchases could be prevented. 

BOA told me and they have re-opened the case and ask me to wait 45 days. At the mean time I won't be charged the {$350.00}. However I still see this amount is on my XXXX statement balance. This is indeed ridiculous. I sincerely wish CFPB could please help me get my refund of {$350.00}. Those are really fraud purchases and are not made by me. Many thanks! 

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX and Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
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 rights to privacy and confidentiality under the 15 USC 1681. 


DEPT OF EDU/XXXX  ACCOUNT XXXX XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX XXXX OF EDU/XXXX  ACCOUNT # XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX INACCURATE INQUIRIES EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency might 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 ended report by more than 7 years.

15 USC 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: 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, 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 an 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: Credit card or prepaid card

ON XX/XX/XXXX, I RESPONDED TO AD IN MY EMAIL FROM CAPITAL ONE FOR A XXXX XXXX CREDIT CARD. THE OFFER HAD 3 COLUMNS WITH 3 PROMOS AND 3 APPLICATION TABS. I APPLIED FOR THE {$200.00} BONUS, {$500.00} SPEND WITH XXXX APR FOR 3 MONTHS. I RECEIVED ON XX/XX/XXXX LETTER- APPROVAL WITH {$3000.00} LINE AND XXXX CARD RATE. THERE WAS NO MENTION THAT THIS WAS NOT APPROVAL FOR THE CARD I APPLIED FOR. I RECEIVED A XXXX XXXX CARD ON XX/XX/XXXX AND ACTIVATED IT ON XX/XX/XXXX. WHEN I RECEIVED AND ACTIVATED THE CARD, I ASSUMED THAT I GOT THE PROMO APPLIED FOR. CAPITAL ONE SENT A CARD WITHOUT NOTICE THAT IT WAS NOT APPROVED FOR THE CARD PROMO APPLIED FOR. THEY JUST SWITCHED MY APPLICATION WITHOUT THE PROMO ( BAIT AND SWITCH ), A CARD WHICH I WOULD NEVER APPLY, WHICH HAD MONTHLY BALANCE DUE OR XXXX PERCENT XXXX. ON XX/XX/XXXX, I USED THE CARD SPENDING {$650.00} ( WHICH MET THE BONUS AND THE 15 MONTH XXXX INTEREST REQUIREMENT ). I RECEIVED MY MONTHLY STATEMENT ON XX/XX/XXXX AND FOUND THE BALANCE DUE AND INTEREST CHARGE CALCULATION SECTION DID NOT SHOW THE PROMO. I CALLED XXXX XXXX AND CUSTOMER SERVICE SAID NOTHING COULD BE DONE, THAT THE BANK RESERVED THE RIGHT TO SWITCH THE PROMO. CERTAINLY THE ACCEPTANCE SHOULD HAVE INDICATED FOR A DIFFERENT PROMO. ON XX/XX/XXXX, I HAD TO PAYOFF THE BALANCE WHEN DUE ( XXXX ) TO AVOID XXXX INTEREST RATE. I THINK THE BANK SHOULD RETURN MY PAYMENT LESS THE MINIMUM PAYMENTS THAT WOULD HAVE BEEN DUE IF THEY DID NOT BAIT AND SWITCH AND APPLY THE PROMO I APPLIED FOR. THIS REMINDS ME OF THE XXXX XXXX DEBACLE OF A FEW YEARS BACK - OPEN A CHECKING A/C AND THE REP ALSO OPENS A CREDIT CARD NOT APPLIED FOR. PAYMENT ADDRESS IS : CAPITAL ONE, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I APPRECIATE ANYTHING YOU CAN DO FOR ME AND ANYONE 'BAIT AND SWITCHED '.
Product: Credit reporting or other personal consumer reports

I reviewed my report and identified inaccuracies. I submitted a letter to Equifax on XX/XX/. However, it has been over 35 days, and there has been no response from the credit bureaus. This exceeds the time limit specified in 15 USC 1681i ( a ) ( 1 ) ( A ), indicating a violation.

In summary, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their consumer file with a consumer reporting agency, the agency must, free of charge, conduct a reasonable reinvestigation. This process aims to determine the accuracy of the disputed information and update the current status within 30 days from receiving the consumer 's dispute notification. The agency may also delete the disputed item from the file if necessary.