23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/2016, an unknown Phone # XXXX XXXX called me twice saying : " I have the last XXXX digits of your Social Sec. #, what is your Social Sec. #? '' I said : I do not know who you are! I do NOT give my social Sec. # to NO one! '' OnXX/XX/XXXX, XXXX informed me : " You have an account in collections ... '' Apparently, J H Portfolio Debt Equity claims " You are in debt of {$16000.00}, account openedXX/XX/XXXX '' I do not know J H Portfolio Debt Equity. I do not owe {$16000.00}! XXXX/XXXX/16, I received a letter from XXXX : " Your account # XXXX ... .has an invalid or missing Tax Id # ... Please provide your tax id #. '' I do NOT owe XXXX XXXX any money. I will not provide XXXX XXXX my id #!. These are fraud, scams attempts. My credit scores were lowered with XXXX, and XXXX XXXX credit bureaus. Please help! Thanks!
Product: Checking or savings account

The wire was sent on XX/XX/XXXX for XXXX , XXXX returned it the same day. We called multiple times on XX/XX/XXXX and no payment had been posted. Today is XX/XX/XXXX and there is no posting.
Product: Debt collection

This company is performing unlawful credit reporting acts. XXXX XXXX has all three major credit reporting bureaus reporting completely different information based off false information reported by XXXX AND XXXX XXXX. Documents they report with are cropped and tampered with digitally. XXXX XXXX contacted Tempoe and the company stated that the account is showed as paid with them. They explained that the debt was sold as an accounting mishap on their behalf. Before XXXX and XXXX got involved, Tempoe cleared up this information with another debt collector and even sent out documentation showing that the debt was paid. XXXX and XXXX XXXX are unlawfully seeking payments for debts that have paid in my opinion. Falsifying information to collect debts that have clearly been reported as paid by the Original Debtor ( Tempoe ).
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payments and Privacy Violations I am writing to formally dispute inaccuracies on my credit report as provided by XXXX, XXXX, and Transunion. Specifically, I have identified incorrect late payment entries that are both inaccurate and unjustified. 

Incorrect Late Payments : The reported late payments are inaccurate. I have consistently fulfilled my financial obligations, and these entries are damaging to my credit profile. 

XXXX XXXX XXXX - XX/XX/year> - PAID IN FULL - CLOSED XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX XXXX CLOSED Furthermore, I am deeply concerned about the recent XXXX data breach XXXX in which my private and sensitive information was exposed without my consent. This constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I expect XXXX to take full accountability for safeguarding my personal information and to rectify any misuse that has resulted from this exposure.
Product: Debt collection

Filed complaint in XXXX of 2015. original company told AFNI to stop collection. After checking my credit report they have continued collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$290.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I ordered products from XXXX which got stolen so I initiated a dispute with Synchrony Bank ( who operate the PayPal credit card I used ) that the items I bought were not fulfilled. They closed the dispute saying XXXX would refund. Thats fine so I reached out to XXXX but they said the dispute is still seen as open on their end so they can not give the refund until it is closed. I asked for a dispute closure statement or letter from Synchrony in XXXX. It is now late XXXX. They sent the letter twice ( supposedly ) and I have not received it. I need this letter to get a refund. Now I have had to pay the full amount on my credit card bill because I can not get the physical letter. Also they refuse to send me an electronic copy. 

I accidentally filed a dispute to the wrong company earlier ( ID : XXXX ).
Product: Credit reporting or other personal consumer reports

I submit this complaint today to apprise you of my identity theft victimization. Following a visit to the Federal Trade Commission website ( https : //www.ftc.gov ), I filed an identity theft report, denoted as # XXXX. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items enumerated in an identity theft report. Additionally, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate items in the consumer file identified by the consumer as information stemming from an alleged identity theft, no later than 4 business days subsequent to the date of receipt. Enclosed herewith are the ATTACHED documents and FTC Report, intended to facilitate the removal of erroneous information and inquiries presently affecting my credit reports. The following items, neither belonging to me nor authorized by my consent, are outlined below : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX 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 -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently, I did an XXXX on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that XXXX XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX  back in XXXX XXXX XXXX and myself negotiated a Deed In Lieu that was signed and documented. Today XXXX XXXX list with XXXX XXXX my account as a Foreclosure or XXXX days late. After many months and failed attempts XXXX XXXX has not produced XXXX document that shows XXXX days late or Foreclosure. I have enclosed from XXXX XXXX XXXX XXXX Deed in XXXX that XXXX could not or would not produce. 

under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
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 XXXXXXXX, XXXX5 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

DP OF EDUC XXXX DP OF EDUC 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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, account # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX XXXX  Last four digit of the account # XXXX, opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

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

I am a victim of a data breach and victim of identity, theft, and fraud. I have attached proof from XXXX with the engagement number # XXXX for verication of this data breach. Proving I was a victim of fraud and certain accounts were opened, using my personal private nancial information without my consent or permissible purpose. Under FCRA 605B and title 15 USC 1681c-2 I must demand the accounts to be blocked and removed from my credit le immediately as it is causing me harm and damages, and is a violation of the United States privacy act. Please be aware that this is a notice of you violating my consumer rights, and in accordance with the federal law, you must cease and desist your actions immediately pursuant to title 15 USC 1692.K ( a ) ( 1 ),
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX University XXXX XXXX of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi please help, I sent several letters to the bureaus and haven't received a response yet. I'll got my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Product: Credit card

On XX/XX/year> my paypal card was lost. Someone used my card to make a {$100.00} charge to my account. Funds were removed before I could report the card lost or stolen. I opened up a dispute for the charges and the dispute was closed the same day. [ paypal is informing me the dispute was closed because funds were in my account. I reported the card lost or stolen but paypal refuses to investigate. I was informed they will not investigate the fraudulent charges and theft. I reopened the dispute after finding out it was closed the same day and PayPal refused to allow me to appeal the decision of the fraudulent charges. Just because I have credit on the account and someone else used XXXX card does not give paypal the reason to close the dispute. I did not authorize anyone to use my card.
Product: Credit card

I paid my account balance off in mid XXXX per the statement. On XXXX I received a bill for {$6.00}. I called Citi and spoke to a rep who stated it was residual interest. I asked for it to be waived considering a made a substantial payment of over $ XXXX, had been a customer for over 4 years and was in good standing. The rep passed me to an Account Manager where I was told it 's a valid charge and there is nothing she can do about it. I said this happened once before on a different Citi card and the residual interest was waived. The XXXX stated it should n't have been waived and I have to pay it. I asked if they were willing to lose a customer over {$6.00} and was told sorry if that 's your decision but it 's a valid charge. I expressed my dissatisfaction and could n't believe how I was being treated and closed my account. I paid the {$6.00} and will never open or use Citi in any capacity moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a charged off account and a 30 days past due on XXXX - partial account number XXXX. ( Please see pages 23 and 24 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting these accounts correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Accounts have been disputed multiple times for false reporting, and inaccurate information, as well as incomplete information. Account Status never updated to in dispute. 

Status last updated XXXX despite multiple disputes opened since. Transunion continues to use automated investigations and refuses to comply with FCRA Regulations. 

Date of Last Payment is inaccurately reported in XXXX for both accounts, while XXXX  has no date and XXXX has a completely different date. 

Incomplete payment history reported- with late payments. How do you have this without a payment history available?
Product: Debt collection

AMERICAN EXPRESS ACCOUNT # XXXX ADDRESS IDENTIFICATION # XXXX American Express has used illegal tactics by continuing to write-down small amounts to assure recent activity continues to keep debt current, when the account goes back MORE THAN SEVEN YEARS. ALL XXXX REPORTING SERVICES ARE IMPACTED.
Product: Vehicle loan or lease

I was involved in a non-fault accident that caused my car to be totaled. My insurance company paid Kia Motor Finance  {$14000.00} in XXXX, which left me with a gap. In XXXX, the dealership canceled all my extended warranty in which they sent Kia Motor Finance a {$2500.00} check, which still left me a balance. I purchased the debt cancellation agreement on my contract with Kia Motor Finance, meaning if my insurance company doesn't pay the entire balance, XXXX will cover the difference. Kia Motor Finance continued to send me monthly statements via kmusa.com, which I made those payments while waiting for XXXX to pay the remaining balance off. Kia ends up charging my account off which is wrong. 

Under the Truth Lending Act - Kia Motor Finance is violating - 1. ) 15 U.S Code 1605 ( a ) ( 5 ) - Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default of other credit loss.

2. ) 15 U.S Code 1666b ( 4 ) - The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Federal Regulations - Creditors in the United States must charge-off installment loans after 120 days of delinquency. There are no late payments on this account or past due this account needs to be updated to be paid in full and closed.
Product: Credit card or prepaid card

paypal mastercard ending in XXXX was closed however i received credits to this card for refunds from XXXX and they refuse to refund me. paypal refuses to help and the credit card can not access as it is closed. someone has my money
Product: Credit reporting or other personal consumer reports

To Experian This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you 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 only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be validated or removed immediately : 1. FCRA 15 U.S.C. 1681i- ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. 
XXXX  XXXX XXXX Account Number : XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Remove all at once. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Remove all at once. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and unverifiable information reported on my credit file by [ Insert Name of Credit Reporting Agency or Furnisher ]. Despite my efforts to dispute these inaccuracies, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of consumer reports. However, several items in my credit report are inaccurate and do not meet this standard. 

Failure to Investigate Disputed Information : As outlined in 15 U.S.C. 1681i ( a ) ( 5 ), the credit reporting agency has not properly investigated the items I disputed. If information can not be verified or is found to be inaccurate, it must be promptly corrected or removed, which has not occurred. 

Violation of Furnisher Obligations : Under 15 U.S.C. 623 ( b ) ( 1 ), furnishers are required to investigate disputes and validate the accuracy of the information they provide. The furnisher has either failed to validate or did not respond adequately, yet the disputed information remains on my report. 

Additionally, I am a victim of XXXX XXXX and identity theft, which has contributed to these inaccuracies. The persistence of this information on my credit file is causing significant harm to my financial standing and well-being. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take action to enforce compliance with federal laws. I also seek the immediate removal of the inaccurate and unverifiable items listed in my disputes. 

The following account is not mine : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Company or Organization : Date began : XX/XX/XXXX XXXX {$3600.00} The date that I discovered it XX/XX/XXXXXXXX XXXX {$55000.00} XX/XX/XXXX Date that I discovered it XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it XX/XX/XXXX {$340.00} Medical {$970.00} I am vicicim of identify theft from the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 inaccurateXXXX Also they aren't even in compliance with metro 2 credit reporting. I h ave evidence to prove my case