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

To Whom It May Concern, I am demanding the immediate and permanent removal of the following fraudulent, unverified collection accounts from my rental and credit reports. These accounts have been disputed before, and despite no validation being provided, they continue to be illegally reinserted in violation of federal law.

Creditor : XXXX XXXX {$220.00} Creditor : XXXX XXXX XXXX {$690.00} LEGAL VIOLATIONS & CONSEQUENCES 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinvestigation of Disputed Information : Any reinsertion of previously disputed accounts must come with written notification and new verification from the furnisher of the debt. This has not been provided. 
Your actions constitute willful noncompliance and are subject to penalties. 

2. FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information : Reporting unverified, false, or fraudulent accounts violates federal law.

Continuing to report unverified debts is grounds for legal action. 

3. FDCPA 809 ( b ) Debt Validation Requirement : If a consumer disputes a debt, the collector must provide complete and verifiable documentation proving the legitimacy of the debt.

You have failed to provide this proof, making continued reporting unlawful. 

4. CRIMINAL IMPLICATIONS DATA PRIVACY VIOLATIONS & UNAUTHORIZED USE OF MY INFORMATION : If my personal data was purchased, sold, or used fraudulently without my consent, this could constitute a criminal offense under identity theft and data privacy laws.

I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue legal action for damages. 

REMOVE INCORRECT ADDRESSES IMMEDIATELY Additionally, I am demanding the immediate removal of all incorrect addresses that are not associated with me. 

I have already updated my correct address with my credit accounts and have previously informed you that certain addresses do not belong to me. Stop denying my requestthis is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

THESE ARE NOT MY ADDRESSES FINAL WARNING YOU HAVE 48 HOURS TO COMPLY I am giving you 48 hours from receipt of this letter to : Immediately remove these fraudulent collection accounts from all reporting databases ( Experian, Equifax, TransUnion ).

Remove all incorrect addresses from my credit report and rental screening. 
Provide written confirmation of these removals. 
Cease and desist from ever reporting these fraudulent accounts or incorrect addresses again. 

Failure to comply within XXXX hours will result in : A lawsuit for willful noncompliance, damages, and legal fees. 
Potential criminal investigations if my information was obtained or used unlawfully. 

This is your final warning. Any further reinsertion of these fraudulent accounts or failure to correct my information will result in immediate legal action. 

You have been notified. You have XXXX hours. Act accordingly. 

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

I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$610.00} ; XXXX {$610.00}
Product: Student loan

I received notification of my Income Based Repayment Plan was coming due for renewal. I submitted my information and my husbands on XX/XX/2016. I received an email on XXXX XXXX from Navient that they had received my information and nothing else was need from me. I called the company on XXXX XXXX, 2016 because a payment of approximately {$490.00}, ( {$210.00} is my normal payment amount ), was pending on my bank account Navient informed me that my Income Based Repayment Plan renewal was pended on the XXXX because it was too close to my automatic withdrawal date for them to process the application. I did not receive any type of notification regarding this. If I had I would have contacted the company prior to XXXX XXXX. Navient suggested I contact my bank to put a hold on the pending payment. However this would disrupt my loan forgiveness program as well as continue to pend my renewal application. The other complaint I have regarding this process is, Navient sent information to me via a " company '' inbox on an " old '' website which I had no knowledge of until they shared with me how to access that information. Navient had sent information regarding the due date of my renewal application and additional information to the inbox. My regular e-mail which is listed under the paperless billing and information is not part of the Navient " inbox '' and therefore I did not receive any information on the renewal application or due dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 loans with Dept of ED/ XXXX Lates are being reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive disputed this issue with the credit bureaus with no successful outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

spoke to XXXX representative name : XXXX id # xqt he refused to remove the inquires after me telling he can will remove unauthorized inquiries. Also won't correct the info reporting incorrectly every month which is going against my consumer rights. ANOTHER REPRESENTATIVE DID THE SAME YET HUNG UP IN MY FACE. BOTH SAID THEY DO NOT INVESTIGATE INQUIRES ONCE PLACED ON REPORT EVEN IF DISPUTED VERBALLY OR DISPUTED VERBALLY. REASON THERE STILL THERE NO INVESTIGATION. 

US CODE 15 USC 1681 section 604 of force no unity is allowed to pull my credit report without my permission US CODE 15 USC 1681 section 604 A 1A REQUIRES YOU TO VERFIY ORIGNAL SIGNED CONTRACT.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there was an inaccurate account that is not mine. I contacted XXXX XXXX and transunion about the issue. But I have not gotten a communication from the third party XXXX XXXX XXXX that is allegedly saying I owe them which I have never had a contract with or done business with. 

XXXX XXXX XXXX is saying I owe them {$680.00} 15 USC 1681b Clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer. 

Thats aggravated identity theft 18 USC 1028A Because they have possession my information and they are also using it without consent from the consumer ( me ) 15 USC 6802 A financial institution may not disclose non public personal information to a non affiliated third party unless, They give me the consumer the opportunity to exercise the right to opt-out.
Product: Debt collection

XX/XX/21 someone named XXXX from some " LLC '' company tried to collect a debt that I do not know. She wanted my name and would not say what she wanted. She was aggressive and rude. I told her I do not have debt and would not give her my name. I told her to never call my house again. Her number was XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2023 since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2023 ) an on Transunion its ( XX/XX/2023 ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 An 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, credit repair services, or other personal consumer reports

Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining 100 percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX alance : {$0.00} XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX  XXXX XXXX  XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX  and, XX/XX/XXXX XXXX Equifax XXXX. The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Product: Checking or savings account

On XX/XX/year> The cashier check was deposited into my personal checking account with the amount of the total {$48000.00}. After the check was cleared out and I withdrew total {$15000.00} with no issues on the day of the XX/XX/year>. The Local Brach placed a hold on my account for no reason because they dont want me to continue withdrawing. It feels they have steal my money for no reason and they have no right to freeze the money that was already deposited to my personal checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union,  XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Product: Credit reporting or other personal consumer reports

SELF FINANCIAL/LEAD BA : XXXX This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : Application account agreeement and annual disclosures billing statements from open date to current copy of hardship or workout plan agreement XXXX XXXX XXXX XXXX XXXX of XXXX
Product: Debt collection

I was covered under my insurance at ten to these details were incurred. Because the bills were not sent in a timely fashion, and because I retired and acquired a different retiree policy, the invoices were not paid. I am willing to pay the original fee without the interest and late fees, but have not been contacted by the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 True identity theft ) Equifax Confirmation Number : XXXX Company Name : XXXX XXXX XXXX Account # XXXX Company Name : XXXX XXXX XXXX Account # : XXXX I am a member of the Equifax data breach and have filed my claims accordingly. I have been attempting to clear my credit report of these fraudulent items as far back as XX/XX/2017 and have been unsuccessful.
Product: Checking or savings account

Every week I pay {$520.00} for my rental vehicle that I use to work XXXX XXXX XXXX XXXX XXXX XXXX. Sometimes Im unable to pay the full amount and my chase account goes into overdraft. Chase would charge me an overdraft fee of XXXX XXXX When I get paid from my XXXX XXXX XXXX XXXX XXXX XXXX my chase account would become positive. Usually I just call chase and ask for them to return the fee to me and they oblige. The most prominent return being XXXX $ which was XXXX XXXX This week while I was negative I had ask my girlfriend to front me XXXX $ as I needed liquidity to get my lunch for work by having my balance slightly positive I expected them to return it to me. But this time they didnt. Thats when I realized that the overdraft fee is a scam. Americans live paycheck to paycheck and if I allowed this to continue chase would be able to profit from my negative cashflow every week in perpetuity. This should be illegal. They told me I have until XXXX from the day of my overdraft. Meanwhile I only held a negative balance for less than XXXX business days. Month to month my balance has remained positive. Biden also said he was going to limit/regulate overdraft fees. But that never came to fruition. My hope is that the cfpb will fend for the little guy here which is me a worker in XXXX.
Product: Mortgage

On XX/XX/year>, I spoke with XXXX XXXX at XXXX XXXX XXXX about a Rate reduction through an FHA program. He requested an appraisal, with a charge of {$200.00} that had no stipulations of paying any other balance, which I stated that was odd because appraisals are not done to obtain a rate reduction. XXXX stated they would be looking for loose wires and holes in the walls, which I have none of the above. On one side of the house, I have pulled up carpet to replace with wood flooring once financing permits. The appraiser, through Rocket mortgage, reported that the carpet should be replaced in order to complete the process.

I requested my FHA information be transferred over, not the appraisal, but was told in order to transfer I would have to pay the remaining balance of an appraisal that was never fully discussed. My hands were tied so I requested the documents to pay this amount of {$500.00} on XX/XX/XXXX, I was sent a document for the amount of {$710.00}, that exceeded the amount owed. I immediately reached out to XXXX at XXXX XXXXXXXX XXXX He stated that a document would be sent out immediately with the correct amount, which I never received. They are withholding my information that was requested in order to complete closing with the other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit and noticed that my student loan accounts were still reporting. On XX/XX/2023 I got an email notification stating that the credit bureaus would be updated to remove all negative payment history and remarks and the balance on all my student loans would reflect a XXXX balance. I decided to call the main credit bureaus to address this issue because the seven student loan accounts are not incorrectly being report. At that time, I was advised that none of the reports have been updated to a XXXX balance and the negative history remained. My consumer debt is now reflecting that I owe debt that I do not owe and I can't get them to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Trans union on XX/XX/XXXX to XX/XX/XXXX asking them to remove an incorrectly reported tax lien on my credit report. I had written Transunion, XXXX, and XXXX   of which after a long process only XXXX and XXXX   removed the incorrect tax lien The tax lien was for Case # XXXX for {$820.00} that they listed twice The second tax lien was for # XXXX for {$270.00}. 

These liens were for a XXXX XXXX and due to her employer not reporting her withholding correctly. The court released me from the debt and the error. 
I sent the letter from the court to the credit companies but Trans Union didn't remove anything. Transunion reported it twice on my report. It caused me to have to pay over {$50000.00} in high interest for over 8 years. I had to struggle to get loans and it took me 18 years to buy my first home even with a VA loan. 

Also, they listed I have a 3-year credit history but I have paid loans since I was XXXX years old. My credit goes back 25 years.
Product: Debt collection

According to 1681 ( b ) ( 2 ) nothing shall be on my credit report without my written consent. 1. CONVERGENT OUTSOURCING Acc # XXXX { {$840.00} } This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.
Product: Credit card or prepaid card

Their website does not work, there is no phone number to call, and I haven't received a paper statement. 

Care Credit  Synchrony Bank
Product: Debt collection

XXXX/Resurgent capital services are an unethical company. XXXX is a debt buying company where they pay pennies on a dollar for debts. They got a debt that they found my name and even though I've told them fir the last 2 years it's not my debt.they continue to harass and charge they have ruined my credit to the point that I'm XXXX  as I am unable to get an apartment because of how they have impacted my credit score and credit. They do not care if they have the right person as long as they can say they have found someone with a name similar to debt they dont care they are like leeches attached to an person do not let go even when they are wrong. XXXX has stated they validated that this was my account I said show me validation they can not because XXXX electronically says it's my bill there are 2 people with my name I popped up first and they have gotten all my personal information and have made my life XXXX..o w am XXXX years old with a XXXX XXXX high medical Bill 's and prescription drugs that are very expensive XXXX   has unethically chosen me to go after its ruined my credit I'm XXXX  and it's starting to impact my health to a point that's scary. XXXX should not be allowed to practice business the way they do resurgent is parent company but since XXXX is a debt buying company there are no laws that can protect the old and poor from this company they are scum and should not be practicing there have been many complaints to the better business bureau here in mn and south Carolina where their corporate headquarters please help so I can get a home please understand that being XXXX  at XXXX isn't easy
Product: Credit reporting, credit repair services, or other personal consumer reports

My 84 yo mother signed up for Experian in XXXX due to having info stolen and fraudulent activity on her account. After a few months she called to cancel her Experian membership. Then a few months later again to no resolve. In the coming months she had some serious health issues and I ( her daughter ) started helping her with tasks that she could no longer handle. While helping her with her online banking, in XXXX, my husband and I noticed that there were a number of services being drafted from her account. I contacted Experian on her behalf and requested it be cancelled again. It was not cancelled and I was rudely hung up on twice after asking to be transferred to a supervisor or an agent who could help us finally stop the charges. We are now in the middle of XX/XX/XXXX and have been told again that it will be cancelled. We have been unable to reach anyone in the company who can assist us with filing a complaint and were hung up on again by a phone operator.
Product: Debt collection

Scott & Associates who is an attorney/debt collector is attempting to collect on a debt that I do not owe. I sent them a debt validation letter in response they sent me court paper which is attached.
Product: Payday loan, title loan, or personal loan

Paid loan off on XX/XX/2020 for {$1100.00}. On XX/XX/2020 the company deducted a payment of {$62.00}. I called the company and was informed the {$62.00} was pending before my payoff and was deducted from the amount. I apologized for my behavior and told them the representative should have informed me of that transaction. 
On XX/XX/2020, the company deducted SIX payments of {$62.00} causing my account to go negative. Remind you, I paid in full on XX/XX/2020. I called requesting {$500.00} to be put BACK into my account and was told Sorry for the inconvenience but we can only reimburse {$310.00} and the NSF is not the companies responsibility. My account would not be negative and there would not be {$120.00} in NSF fees if this company had not taken SIX payments in a day considering I paid off the loan a month and a half ago. I have a payment history receipt and bank statement to prove the unethical act this company has done. Because of COVID19, Im currently not working and now the money I had to provide for my kids was wrongfully taken and the company will not correct their mistake. Im requesting {$370.00} in payments taken AFTER I paid in full and {$120.00} in NSF fees the company has caused my  checking account to accumulate.