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

On XX/XX/XXXX, each major credit bureau ( XXXX, XXXX, Experian ) were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Very bad experience when trying to open an account in the phone They referred me to a branch then told me I dont live in their footprint its confusing BEVAUSE online it says I do and I just want to bank with them
Product: Checking or savings account

UPSTART LOAN, HAD A LOAN TAKEN OUT IN MY NAME, THE FUNDS FOR THE LOAN WERE TRANSFERRED INTO MY BANK XXXX XXXX ACCOUNT # XXXX THE UPSTART LOAN NUMBER IS XXXX THE LOAN WAS NOT TAKEN OUT BY ME AND WAS FRAUDULENT ON ALL ACCOUNTS THE DATE THAT THE FUNDS WERE TRANSFERRED TO MY ACCOUNT WAS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Product: Debt collection

Dear EASTERN REVENUE, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt.

To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt.

2 ) A detailed statement of the amount owed, including any fees or interest.

3 ) Evidence that this debt is within the statute of limitations.

Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. 

I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX  - I got a text from Harris & Harris ( collection firm for the XXXX XXXX. They provided a link which said I owed {$67.00}. I responded, asking them to prove the debt. ( Days passed w/no response ). The reference # that H & H gave was XXXX. 
XX/XX/24 - I called H & H and talked to a XXXX XXXX ( XXXX ). She Told her that I was sure that I owed a toll, but that I would not pay, what I was positive, was a late fee. I explained that I, in previous years, as I have traveled to and fro XXXX to the XXXX XXXX, have been assessed many late charges from XXXX XXXX XXXXXXXX XXXX XXXX XXXX that I refused to pay. I have sent letters those Authorities and even to some governors ( no response ). They assess late charges, 14 days after the automated bill is sent to the driver 's home. I told all of them, that they can not dictate my travel/vacation time away from ( essentially telling me that I need to be back home within 2 wks ) home, and that I must hustle back to my residence to to pay their bill. I also said that if there was an option to pat the toll at each booth, there would be no problem, that is virtually non existent. XXXX XXXX continued to ignore everything I said, and simply kept asking, when I would pay.

This ended being a shouting match after about 10 minutes and I hung up.

My contention is, if you remove the option for the driver to pay at the booth, you can not predict when I will be back home. If I were going on a whirlwind tour from XXXX to XXXX XXXX and down XXXX to XXXX, XXXX, then to XXXX, XXXX and then back up through XXXX and XXXX, XXXX, XXXX and then home, I would have to curtail my trip, so as to not effect my credit history. And I mention all these sites because my family and business interests are there. ( My credit rating hovers between XXXX and XXXX, so this is not a rant of someone who doesn't pay his bills. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Debt collection

Per XXXX Connection policy, a certified document was mailed by XXXX to terminate the contract. The health club did not terminate contract and proceeded to continue charges and amount was submitted to First Credit Services collection agency. I have copies of the certified document as well as the tracking label of the certified document.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see 1. XXXX XXXX XXXX XXXX account number XXXX 2. Unknown Account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX 3. Unknown account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX These accounts are reporting fraudulent and inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account, and also other documents so that I may review to see if this is actually an account that belongs to me. 

Also I have several unauthorized inquiries in my report that I never gave permission to run my credit. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX and XXXX XXXX. my company and Sigue Money Transfer corp. Work together for about 3 years. We perform money transfer, bill payment, money order and process check on behalf of Sigue Corp . 
Sigue Money Trasfer Corp. start have problems on XXXX of XXXX. We monitor it whit costumer service and whit our local representative XXXX XXXX XXXX XXXX XXXX they always tall us that they were not closing the company, but by XX/XX/XXXX they ended up closing the company. 

Sigue Money Transfer Corp ended up owing to XXXX XXXX {$2400.00} to XXXX XXXX XXXX and XXXX XXXX. for positive balance. 
and {$3000.00} on last stage payment of a special agreement between the business. 
It will be great to collect from them that money we are small business and we are in need of it. 
Thank You!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> between XXXX and XXXX XXXX, a good friend of mine by the name of XXXX XXXX, try to send money to my active chime account in the amount of {$260.00} or XXXX problem with that was he sent the funds through phone number XXXX, which is actually my cell phone number but not the number linked to my time account. He was on aware of this and before we can clarify the error, the money was gone. He immediately called chime and told them about the mishap and so did I at the same time. He filed a dispute and I filed a dispute via XXXX. I'm guessing chime got tired of me and XXXX  asking for the whereabouts of the money so they closed both disputes and said they see no error. The number that the phones were sent to is a number that I had been trying to link to my chime account since XXXX  of last year to no avail even after providing all the documents they requested they still refused to change the number over so I was forced to have to use an alternate number. For some reason they are hanging on to that phone number but they won't log allow me to link it to my present chime account. Now the money is lost and we have no way of retrieving it and chime will not help all because I removed my direct deposit through all of the bad business that they have been doing
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient -improper billing procedures. When request for financial hardship application was submitted I was told it would be weeks/months before I would get the application, but not to worry as I would be placed in forbearance in the meantime. Was then reported past due, both 30 days and 60 days at the same time after no application was received. When I called to ask why this was, I was told I would receive a letter showing my accounts in good standing and my credit report would be amended within 90 days. 5 months later and I since was told to request the amendment in writing after it didnt fall off the report within 90 days. After 29 days I called to ask what the status was and was told they have 30 days to respond and still had no answer. They received the letter on XX/XX/XXXX and have sent no response as of XX/XX/XXXX ( 34 days ). They are now refusing to amend reporting, stating that it is accurate even though the original issue stemmed from them not sending bills in the first place. In 7 years Ive had XXXX missed payments on any accounts now, as I was in the process of buying a home, my rekey shows XXXX missed payments and they refuse to amend this. They also through the years have steered me to deferments and forbearance instead of income driven repayment plans and finally ( while they were steering me towards yet another deferment ) I demanded an IDRP. I believe they are intentionally leading away from payment plans so that the interest builds up and I also believe they have practices that lend themselves to default/late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX To whom it mar concern, I was going over my credit file and found some items that are incorrect and never verified. FCRA 623, 609 violation. I request the following unknown address be removed from my file : XXXX XXXX XXXX XXXX, OH XXXX. 
The following accounts are not METRO 2 complainant Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Debt collection

Contacted sequoia financial in XXXX XXXX, ca to settle a debt. On the phone, the agent told me that if I pay XXXX $ they would decrease the amount from XXXX to XXXX including the XXXX $ and a payment plan of XXXX till I paid off about XXXX $ remaining. I agreeed, paid and asked for receipt but no receipt was sent as promised. They stalled for weeks sending me a contract stating that it will come and its just going through a process and that my credit report has been cleared of any debt from their company. On XXXX XXXX, I received the email that I wasnt able to read until XXXX, and it states the same amount of XXXX $ with no mention of the XXXX $ they have taken from me. I called them the next day. The woman who took my money told me that I am mistaken and that they are going to replay the recording. She raised her voice in annoyance stating that she will send me the receipt within the hour. She did not send the email receipt. Again. I contacted my bank to try to report fraud but they told me that it was a scam not fraud. I am left with no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have filed a complaint with CFPB already, case number XXXX. Cased was closed with no result. I have a cashed check from Transunion, who stated that there was no fee for minor freeze protection. All required paperwork was with the check.
Product: Debt collection

ATTENTION DISPUTE DEAPRTMENT AMERIFINANCIAL SOLUTIONS Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) af
ter the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be con
strued to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Reported : XX/XX/2019 - {$1400.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

Received an alert for a hard inquiry from SYNCB/TJX CO XXXX I did not apply for a new line of credit, my credit was used unauthorized. Called the company to ensure line of credit was not opened, I was informed the application was denied. Proceeded to freeze my credit and place fraud alerts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX  XXXX account with balance of {$340.00}. 
Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am experiencing financial hardship due to the COVID-19 virus and am currently unemployed. I have contacted Dovenmuehle mortgage company to apply for forbearance according to the terms of the CARES Act. Dovenmuehle is only responding by mail with ATTEMPTS TO COLLECT A DEBT when the mortgage payments are not behind, the letters they are sending have been back-dated prior to my initial contact with them, and the are saying they are going to have an appraisal done on my property that I will be charged for so they can complete a loss mitigation application. I only want to forbear payments for 180 days as is allowed by the CARES Act. This is a federally backed FHA mortgage. It's my understanding I can do this without further documentation, or fears of late fees, interest, extra penalties, or being reported to credit bureaus. Dovenmuehle in my belief is not in compliance with federal law and is putting additional stress and potential costs to consumers who are acting in good faith.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX