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

Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX, attempting to collect a debt of {$520.00} related to a PayPal Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. XXXX has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenitybank/wayfair closed on XX/XX/2021, they closed the account without any notice, I never signed anything and It was their decision and reported to my credit burou with a negative impact in my credit.
Product: Checking or savings account

I received a note from Chime claiming that they could not complete my application for a credit card. I informed them I had never applied for one and asked them to purge all information about me from their systems. They replied that they could close the account I never opened but that they would retain my information for regulatory purposes. 

Since I never have them this information in the first place, and have told them so, why are they retaining it?
Product: Debt collection

Debt was fraudulently obtained in 2008. No outstanding debt obligations. Repeated harassing phone calls. No attempts to resolve the issue, just calls dozens in the last week. All hours of the day. Threating messages
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations receivable recovery hippa violations all of them tele recovery inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ), and Nevada state law XXXX XXXX regarding illegal debt collection practices, improper credit reporting, and threats of unlawful repossession. 

On XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I received an email from XXXX XXXX, Loss Mitigation Supervisor, demanding that I make a full one-month payment immediately or surrender my vehicle. The email also stated that failure to disclose my vehicles location would be considered " concealment, '' implying criminal action on my part. However, XXXX  law ( XXXX XXXX ) requires formal legal notice and adherence to repossession procedures, which XXXX XXXX XXXX failed to follow. 

Furthermore, when I called their office immediately after receiving the email, I was told that their team closes at XXXX XXXX XXXXXXXX ( XXXX XXXX  XXXX  time ), leaving me with less than XXXX minutes to comply. This is an unfair and deceptive collection tactic, violating the FDCPA 15 U.S.C. 1692e ( 5 ), which prohibits false threats of legal action. 

Additionally, XXXX XXXX XXXX has failed to update my account on my credit report since XX/XX/XXXX, despite my delinquent status. This means they have been knowingly furnishing incomplete and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). If they suddenly update my account after this complaint, it proves their prior non-compliance. 

The email also stated that my online payment portal was blocked and instructed me to submit my credit card details via email, which is an unsecured payment method and a potential FTC security violation. 

I am also submitting this complaint to the FTC, Nevada Attorney General, and the Better Business Bureau for further legal action. I request a formal investigation into XXXX XXXX XXXX practices, including their failure to properly report accounts and their aggressive intimidation tactics against borrowers. 

Attached are supporting documents including ( 1 ) the email from XXXX XXXX XXXX, ( 2 ) my most recent credit report showing that the last reported activity on this account was in XX/XX/XXXX, and ( 3 ) the FTC complaint confirmation.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and discarded from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I got a XXXX late payment on all 3 credit reporting bureaus from XXXX XXXX  XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : {$0.00}, XXXX XXXXL XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX : {$9300.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX  ; This inquiry has no permissible purpos to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Capital Accounts was not able to validate provide me with competent evidence that I'm obligated to pay them or owe them. 

Capital Account violated my HIPPA rights by providing me with my medical services/ procedures performed including doctors ' name dates medication going back to 2004 without my written permission. 

wasn't able to provide a copy of my signature from the provide showing my request to release information to them. 

Capital Account didn't respond within the lowed date after. I request them to validate the debt. 

Failure to validate the debt by date allowed by law
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an outage at Capital One that occurred on XX/XX/year>. On this date, my payroll direct deposit was not applied to my account as expected, causing significant stress and inconvenience.

As a customer, I depend on timely access to my funds to meet my financial obligations. This failure disrupted my ability to manage my expenses and has left me concerned about the reliability of Capital Ones systems. Despite my efforts to seek clarification and resolution, I have not received satisfactory answers or a timeline for addressing this issue.

I respectfully request that the CFPB investigate this matter to ensure accountability and to prevent similar disruptions for other consumers.

Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This debt is something that should have been paid as part of my settlement, but for whatever reason wasn't. When I disputed the debt through XXXX XXXX XXXX the only response I got was that " the debt was valid '' & they continued to report it. However, in XXXX, following the establishment of the CFPB rule on medical debt - they did NOT report it & I assumed this would be done with & even considered reaching out to settle the debt, despite it never being my responsibility to begin with. However, I am reaching out now bc they clearly are under the impression that the current administration will not enforce the CFPB rule, as the began reporting it to all 3 bureaus again this month, but it now shows a new, 2nd delinquent account. This 1 account, that now shows as a second delinquent account for whatever reason, is the only delinquent account that I've ever had since becoming an adult & it is extremely frustrating dealing with this all over a debt that was never really mine to begin with. As I stated before though, I would even be fine paying them to satisfy the debt, but I want this removed from my reports as soon as possible.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to SafeRent Solutions , LLC. on XX/XX/XXXX. I noticed inaccuracies on my consumer report through SafeRent Solutions.

As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. 
Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that " assure ' means 'to make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i.

3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b.

4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. 

Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items XXXX XXXX disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX ) pull my credit report without my authorization on XX/XX/2023. Requesting that it be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted the bank about my secured credit card. I personally came to the branch 6 years ago. Paid all I must in full and a bank employee told me that everything was fine. The card would be closed and I didn't owe anything else. In the written response from the bank, there is no information on how they conducted an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2021, there is a hard inquiry on my credit report from Wallace Mgt-dixie Fi Personal Loan. I have never applied for a personal loan with this company and need this removed from my credit report.
Product: Mortgage

My case numbers are XXXX-XXXX-XXXX XXXX and XXXX-XXXX-XXXX. XXXX. I have additional documents I need to provide but unfortunately I do not have a username and password. On XX/XX/XXXX, XXXX XXXX misappropriated my mortgage payment instead of correcting its system on XX/XX/XXXX, it filed foreclosure proceedings against me. From XX/XX/XXXX until the present XXXX XXXX  have filed false claims using the same transaction on XX/XX/XXXX, as an excuse to financially abuse me. On XX/XX/XXXX, the Federal BR Court held that XXXX XXXX 's claims and filing were invalid. On XX/XX/XXXX, after I paid my property taxes, On XX/XX/XXXX, XXXX XXXX  reversed the payment as well as added a known abuser 's name to the complaint whose name is not on the note. XXXX XXXX  continue to publish a false chain of title which eliminated the first ten pages of the document attached to their false claim
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR Experian, XXXX, XXXX ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS.. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

1 ) XXXX XXXX  # XXXX 2 ) XXXX XXXX  # XXXX 3 ) XXXX XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX  # XXXX 5 ) XXXX XXXX  # XXXX 6 ) XXXX XXXX  # XXXX 7 ) XXXX  XXXX  # XXXX 8 ) XXXX  # XXXX 9 ) XXXX # XXXX 10 ) XXXX  # XXXX 11 ) XXXX XXXX XXXX**** 12 ) XXXX XXXX  # XXXX 13 ) XXXX  # XXXX 14 ) XXXX  XXXX  # XXXX**** 15 ) XXXX  # XXXX 16 ) XXXX  # XXXX 17 ) XXXX XXXX XXXX # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ss # XXXX dl # XXXX phone # XXXX XXXX
Product: Debt collection

This was an incorrect bill from 2010 that has already been resolved and removed from collections and credit report in the past at least twice.
Product: Mortgage

My mortgage is with Truist Bank. I requested the PMI to be removed from my mortgage as I am entitled to do. I paid around {$500.00} through Truist for an appraiser/BPO in order to evaluate my property. I received an email that my XXXX had been reduced but they wouldnt tell me how low. Then I receive a denial letter and the appraisal in the mail. However, the appraisal was 100 % blank. Not data at all. So I received a denial but not justification. I then wrote a letter alerting them that it was blank and I requested a copy of the full appraisal/BPO and for them to reconsider their denial. I also noted that there was a house XXXX doors down that sold which, had they taken that price into consideration, I would no longer have PMI. That was several months ago and I havent heard anything from Truist. They get an additional {$180.00} a month from me in PMI so they have XXXX incentive to drop my PMI. I feel like they are fraudulently keeping PMI on and ignoring my request to have a copy of the appraisal I paid for along with fraudulently ignoring a comp XXXX doors down.
Product: Money transfer, virtual currency, or money service

XXXX  won't allow any virtual currency withdrawals despite saying the funds are available, and past the " cooling off '' period. Company requests increasingly inconvenient methods of verification and despite all being provided, no response or action taken. Money is shown in account, available, currency can not be withdrawn despite all normal procedures and verifications done as well as all additional verifications requested.
Product: Credit reporting or other personal consumer reports

I took out a XXXX XXXX XXXX XXXX Account in 2020. COVID took my job. This was a secured loan paid by the security of XXXX Today this company re aged it and stated on my credit specifically Equifax that I was late XXXX, XXXX this year. Causing a XXXX point drop. 

Called XXXX  you only get a loop recording no human. Equifax refuses to acknowledge it, argued with me, made me for 46 minutes upload my drivers license that never worked. 

So Frustrating to be ripped off then sent through systems of utter buffoonery with no one held accountable. 

I am finally recovering this year from financial disaster and then this. Unfair! But no one cares and you have zero ability to control your own information. I jump through hoops to prove my identity but any one on a computer with a company name can ruin you day after day.
Product: Credit card

I made purchases using my Paypal credit product. One of the items purchased was defective and returned to the vendor. A refund of that item was never credited to the account. Upon request to file a charge back and get the appropriate credit, Paypal refused to allow me to file the charge back and initiate an investigation. I offered to them as evidence the Email the vendor sent regarding his reciept of the return and he even stated he " issued a refund and to please advise him if I see it now ''. I emailed the vendor back that I had not received the refund but have seen or heard nothing from the merchant. 
I therefore decided to file the charge back but Paypal refused to allow me to do so
Product: Credit card

I made a double payment and requesting for one to be returned to me. 
XXXX ) payment made on XX/XX/year> for {$1700.00} from checking account XXXX XXXX ) payment made on XX/XX/year> for {$1700.00} from XXXX balance transfer- I am requesting the payment made for {$1700.00} be reversed and returned to my account it is linked to. 

1st claim was submitted on XX/XX/year> case # XXXX results 2nd claim submitted on XX/XX/year> case # XXXX results Faxed copy of bank statement to XXXX response