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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as Self-attestation letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, I made a purchase to XXXX XXXX XXXX on XX/XX/2019. The payment went through properly, and I received my package within a week from the vendor. A week later, after receiving package from the XXXX, was alarmed to see that there was a negative balance on my Paypal account in the amount of {$100.00}. I immediately called paypal to discuss the matter, and it was at this time that they reluctantly informed me that they had paid for my products from XXXX XXXX XXXX without my knowledge or consent, because my bank ( XXXX XXXX ) had rejected the funds. I then complained vehemently with them, reminding them of the agreement that we have that has been honored in the past : that if for any reason, my bank rejects the funds, and the funds are unavailable, Paypal must notify my via email or text message, and the transaction will be put on hold or cancelled until such funds are available. Never have I agreed to any terms suggesting that funds can be paid on my behalf and later paid back without my consent. I then called my Bank and explained the details of the issue, and asked them why they would reject the transaction if the funds were available in my account without my knowledge. XXXX explained to me that due to a previous issue with Paypal they authorized a hold on all transactions without my consent. By the end of the phone call XXXX lifted the hold per my request, and apologized for the inconvenience it caused without resolving the issue still at hand. Now I am left with an outstanding balance of {$100.00} as a result of a total lack of communication from both Paypal and XXXX XXXX, and I refuse to take responsibility as this was an issue caused and exacerbated by these two companies. I have tried to resolve the issue with them but am not left to file a formal complaint through Consumer Finance, as I feel quite mistreated. Both calls should have been recorded and documented for review and for reference. I received a letter in the mail on XX/XX/XXXX requesting that I pay this outstanding balance and have been given 30 days to do so, or to file a complaint. So I have chosen to file a complaint and continue to fight this issue, and hope that it will be resolved fairly going forward. Thank you.
Product: Mortgage

My name is XXXX XXXX and filed a previous complaint which according Specialized Loan Servicing was filed wrong and they cancelled my case. They offered no resolution to the original complaint number with consumer finance is COMPLAINT ID XXXX. This was their reply Re : Account Ending in XXXX The Reinstatement Quote requested in case ID XXXX has been cancelled due to Incorrect Request Type. Please contact us at XXXX to learn more and open a new Send Correspondence if needed My bankruptcy lawyer says that the XXXX  XXXX will halt this process at this point it looks like my only hope. These people have no interest in helping they seem only interested in trying to taking my house. I dont know how they think this is valid response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with CB/SONYVISA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/SONYVISA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/SONYVISA with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

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

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card

In XX/XX/XXXX, I opened a Bank of America XXXX  XXXX business card card. I paid off all of my balance in a timely fashion. In XX/XX/XXXX account renewed and they had charged me an annual fee of $ XXXX. I did not pay that amount in XX/XX/XXXX as I wanted to closed the account. So I called Bank of America customer service in XX/XX/XXXX and discussed with the agent on the phone to close my account and waive the annual fee and associated interest charges. The agent assured me that he will cancel the account, cancel the annual fee as he was closing the account and would waive the associated interest charges. The annual fee was approximately $ XXXX {$75.00} with an {$8.00} interest charge. Instead of closing the account and refunding manual fees as it was closing the credit card completely, Bank of America kept the account open and sent it to collections without my knowledge or any forewarning. 

I have not received a single piece of mail or email communication discussing the possibility of sending my account to collections for any unpaid balance. I was shocked to find out earlier today that they counted stayed open and the balance was unchanged even though the agent told me last year that the annual fee and the interest charges would be removed from my balance. They have also not sent me any communications of an outstanding balance on this account since my last conversation with them last year when I had believed they closed the account. 

This morning I had spoken to Bank of America customer service numerous times as well as the collections department and they remain unhelpful in this matter. They insist on me paying an annual fee and interest on a card that they should have closed last year when they assured me they would. I have not used this card or this account in the past 9 to 12 months. 

This is very fraudulent behavior by Bank of America. They have kept an account open without my consent after assuring me that the card would be canceled and the associated balance would be removed. The current balance does not include any purchases that I had ever made on that card. It is simply the annual fee/interest for not paying the annual fee.
Product: Credit reporting

I was able to obtain a credit report from TransUnion through XXXX. When I clicked on the link to correct inaccurate information, I had to create an account after multiple attempts and then click on the link to file a dispute online. It did n't work and kept sending me back to the same page to initiate a dispute so I can correct the inaccurate personal information.
Product: Debt collection

LVNV Funding, LLC ( hereafter referred to as " LVNV '' ), filed a lawsuit against me in XX/XX/XXXX ( Case # : XXXX ) for a debt I DO NOT owe. I challenged their lawsuit and, on XX/XX/XXXX ( see Judgment of Dismissal, attached ), I prevailed when LVNV filed a Dismissal because they couldn't prove their case that the collection account was mine.. On XX/XX/XXXX, I filed a Cost of Suit ( Memorandum of Costs ) in the amount of {$240.00} ( see MoC and Proof of Service ) and on XX/XX/XXXX ( see Memorandum of Costs and proof of service ), I served their attorneys of record, XXXX XXXX XXXX , a copy of the Memorandum, but heard nothing back. I waited almost a year, until XX/XX/XXXX, for a response and when I did not receive one, I filed a [ Proposed ] Judgment of Dismissal ( see Judgment of Dismissal, attached ), the Judge signed  it, and I served them a copy ( via their attorneys of record ), and finally received a check for the amount of {$240.00} ( see XXXX XXXX XXXX XXXX and copy of check, attached ). LVNV 's filed Dismissal of the case proved that I was correct in asserting that the debt is and has NEVER BEEN mine, and they must remove reporting of it from all credit bureaus. On XX/XX/XXXX ( see Letter to LVNV with certified mail and return receipt ), I pulled my credit reports from all three major credit reporting agencies and was shocked to find that LVNV continues to report this collection account ( with balance! ) with the CRAs! I disputed this collection account with the credit bureaus that LVNV 's reporting is WRONG and must be removed under the FCRA. The 3 major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) responded that they " investigated '' with LVNV and it was -- shockingly -- verified as being accurate! On XX/XX/XXXX ( see Letter to LVNV ), I sent LVNV a letter to have the collection account removed but they continue to ignore me. Three years have passed, my credit score has remained BAD due to LVNV 's constant erroneous reporting of an account that IS NOT MINE but they and the credit reporting agencies ignore any attempts by me to have it removed.

I'm at the point that I need CFPB 's help. They *will* listen to you.

Today, as LVNV continues to report this collection account illegally,  I'm in the position that I have to find another rental home. Due to LVNV 's illegal reporting, it's almost impossible. I need them to remove this collection account from my credit reports A.S.A.P.!
Product: Debt collection

The hospital sent my debt to collections despite me paying what I could. Now this debt collector calls me every XXXX minutes every week day from a different number over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons XXXX XXXX WELLS FARGO CARD SERVICE Reported : XX/XX/2021 + {$1100.00} In good standing
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX  The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Product: Debt collection

XXXX : Family of XXXX 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 Account ending in XXXX Below is your response to my last complaint : Please know the account charged off on XX/XX/XXXX, with a {$110.00} outstanding balance. That outstanding balance was paid in full on XX/XX/XXXX. Upon investigating this complaint, we found the account has been reporting inaccurately to the credit bureaus. We extend our sincerest apologies for this error. Weve requested the three major credit bureaus ( XXXX, XXXX and XXXX ) update their reporting to accurately reflect the account as charged-off, paid in full. Please note this update could take up to 30 days to process. Weve confirmed we sent letter responses to all three of your previous debt validation requests, which we received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our responses were sent to you the day after we received your requests. Enclosed for your reference are copies of the original credit card application, the terms and conditions applicable to the account, the above-referenced debt validation responses and your billing statements from XXXX XXXX XXXX. Should you have any additional questions, dont hesitate to reach out to us at XXXX. 

Since you have inaccurately reported I there is a goodwill adjustment/deletion that must take place according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal information I don't want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights, Also 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. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX - XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX xxxxx XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX ... Credco ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has applied a forbearance to my account without authorization. I did not apply for this program. I hAve paid my mortgage ON TIME EVERY MONTH. I asked them to remove and update my credit It has not been done My credit does not accurately reflect my payment history. It also reflects inaccurately that defer payments starts in XXXX when again I DID NOT MAKE SUCH REQUEST. 

Ive called and emailed continuously regarding this matter for almost an entire month Ive disputed this matter with the credit bureau to no avail. 

It is these tactics that I find to be discriminatory in nature. These tactics of erroneously applying hindrances to customers who desire to take there business to other companies.. Forcing customers to fight and waste time and money to go through XXXX of removing erroneously applied programs when they have paid their mortgage on time is illegal. Incorrectly reporting information to hinder customers from moving forward with mortgage transactions is illegal. It is these invisible barriers that causes delays in process and hinders XXXX from moving forward on the back end. My account needs to reflect accurately on an ongoing basis.
Product: Debt collection

Transworld Systems Inc and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.Transworld Systems Inc, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Transworld Systems Inc which is a violation of code 18 USC 1028 ( a ) ( 2 ). Transworld Systems Inc obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Transworld Systems Inc and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Transworld Systems Inc does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Transworld Systems Inc is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Transworld Systems Inc that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Transworld Systems Inc has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Product: Debt collection

Written letters to dispute and remove the account, account remines on my consumer report updates like a current account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft COAF Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX