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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c/ ( a ) ( 5 ) Section States : no consuming reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 



I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Please provide me with a written response acknowledging the receipt of this dispute letter and informing me of the actions you will take to rectify the inaccuracies on my credit report. I also request a free copy of my updated credit report once the corrections have been made. Below are the accounts in question : XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

U.S. DEPT OF ED - DIRECT and Chapter XXXX Bankruptcy : Bankruptcy
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect data on my XXXX mortgage account. 

They are reporting that I was late on my mortgage for a year in XXXX. This is incorrect, my mortgage was in a XXXX XXXX  during this time and should have been reporting as current, pursuant to the XXXX XXXX. 

I disputed this inaccuracy through the XXXX XXXX XXXX ( XXXX  ) in XXXX, XXXX. On XX/XX/XXXX I received a response from Transunion through the XXXX and by mail stating the inaccuracies have been updated to current, which they were. However, on XX/XX/XXXX the late payments were were back on my credit report again. 

Transunion is in violation of my consumer rights pursuant to the FCRA and XXXX XXXX. These inaccuracies has a negative impact on my livelihood as well considering my employer and field of work requires me to have a credit report above reproach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXt # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX I.C. XXXX XXXX XXXX XXXX Account XXXX XXXX 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 states a consumer reporting agency can not finish a account without my written instructions
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received 21 days notice that my payment was going to concern late
Product: Checking or savings account

I had to cancel a trip with a company named XXXX XXXX  and travel located in Florida. 
I had originally paid the deposit for the trip using a debit card from TD bank. The original payment was made on XX/XX/XXXX for XXXX When I cancelled the trip I was entitled to a refund of XXXX The tour company told me that their process is to repay the card number that was used for the initial payment. 
I explained to the travel agency that I had lost the debit card and had it replaced with a new card with a new number. They insisted on repaying the card number that was initially used. They explained that the bank usually would take it because the account is still open. I asked if I could get a refund check instead, but I was told that was not possible. 
So they sent a credit of XXXX to my account using the cancelled card number on XX/XX/XXXX. TD bank confirmed that they had received the refund to the old debit card number. They said I would see it in my account. But ... after XXXX weeks I still did not have the money. I spent at least XXXX hours on the phone trying to straighten this out. I was assured I would get the money back, but I did not. So I went to the bank and met with a representative who told me he would take care of it on Saturday XX/XX/XXXX. So I called on XX/XX/XXXX, and XXXX. On XXXX day I also spoke with the XXXX of the bank. I was told that they were working on sending the money back to the travel agency, but they do not know how long that will take. I asked to have something in writing to that effect, but I was told that was not possible. 
The bank called to travel agency to discuss the matter on XX/XX/XXXX but the travel agency reported they have not received the credit back. 
So.. I am asking for help to secure the money that I am entitled to. I am reporting TD bank, as I have spent about XXXX hours trying to resolve this issue.
Product: Credit card

Unable to pay late fees do to financial discrepancies. 
Late fees effecting my credit score and financial situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts and inquiries appearing on my credit report. As a victim of identity theft, compounded by my documented involvement in the Equifax XXXX breach, I have provided all necessary documentation in compliance with the Fair Credit Reporting Act ( FCRA ), including : * An official Police Report * An FTC Identity Theft Report * Proof of my information being compromised in the Equifax data breach Pursuant to 15 U.S.C. 1681c-2 ( a ), Equifax is XXXX by law to block and cease reporting fraudulent information within XXXX business days of receiving valid identity theft documentation. Your failure to comply with this statutory obligation is a clear violation of federal law. In addition, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) strictly prohibits the reinsertion of previously removed information without notifying me in writing. 

XXXX actions directly conflict with these legal provisions. 
Fraudulent Accounts to Be Blocked and Removed : XXXX XXXX XXXX ( XXXX XXXX ) * Account Number : XXXX * Balance : {$1200.00} * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX * Account Number : XXXX * Balance : {$800.00} * Date Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : XXXX. XXXX XXXX XXXX * Date : XX/XX/XXXX * Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifaxs continued XXXX to comply not only violates the FCRA, but also exposes the company to potential civil liability under 15 U.S.C. 1681n and 1681o, which permit legal action for willful or negligent noncompliance, including statutory damages, punitive damages, attorney fees, and court costs.
Product: Debt collection

Pressler & Pressler , LLP said : Explanation of closureDear XXXX XXXX XXXX : Your complaint involves a bill for medical services placed in this office for representation by XXXX XXXX XXXX of XXXX XXXX, XXXX. On XXXX XXXX, 2015, this office sent both you and your wife a Fair Debt Collection Practices Act ( FDCPA ) letter pursuant to federal law allowing either of you the opportunity to request verification of the debt. Your initial request for verification was received on XXXX XXXX and this office responded by way of letter dated XXXX XXXX. On XXXX XXXX, 2015, this office received correspondence from your wife indicating that the debt was still disputed as it was believed some payments you had sent to XXXX XXXX XXXX were not properly credited to your account. This office responded by way of letter dated XXXX XXXX and invited you to bring to our attention specific payments which you believe had not been credited to your account. Thereafter, your wife responded with a ledger showing payments made directly to our client and a letter indicating she still did not believe the debt was verified. This office sent you a third response on XXXX XXXX, 2015 advising that information sufficient to verify the debt had been provided. Moreover, upon review, it appears your account was already credited with the XXXX payments totaling {$65.00} that you have made since the time the account had been placed with this office. A balance of {$1000.00} is currently due. As to the inquiry made on your credit bureau, on account of this firm 's representation of XXXX XXXX XXXX, such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. If you desire to voluntarily pay this matter without judicial intervention, you may contact Attorney XXXX XXXX XXXX at XXXX ext XXXX. 

Please review the above they are all over the map on this based on there response I do not have an account with there client my spouse does and that matter is being Address under separate cover. Case in point Can this Attorney product a document or contract Sign by ME? if not no verification of debt no standing and this is just disregard for the above mention law. as stated in there response " such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. Please do not threaten ligation if you do not have standing under the law. in addition Phone call to your office will not preserve my rights under the US code that regulates there company.
Product: Mortgage

My mortgage servicer has unfairly denied my application for a loan modification. They made an error in the utilization of income and they denied the modification based on only a portion of the income calculated. This decision was appealed and SPS reviewed the file again and once again denied the modification. The denial was contradictory and was disputed. I have not received a written final denial in violation of the XXXX guidelines.
Product: Debt collection

I sent in information to Credit Acceptance. I have never opened an account with them. Someone stole my identity and they used my personal information to open a account. I never had a vehicle with Credit Acceptance. Whoever did opened an account and used my info to get it. i don't have any idea on how this happened. I have had multiple accounts opened in my name and I have never had a vehicle with Credit Acceptance. I am XXXX and don't have any money to pay this company for a that I never knew about nor owned. Someone posed as me and got a account opened with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the XXXX pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that your reporting agency, block and remove the information that is on my report as a result of identity theft, fraud, and human trafficking and debt bondage within 4 business days. I have attached all the necessary supporting documents including a police report from the XXXX XXXX police department. the fraudulent accounts consist of an auto loan from XXXX XXXX XXXX opened XX/XX/XXXX ), a personal loan account opened by XXXX XXXX opened XX/XX/XXXX ), and ( XXXX opened I also have a publics records of a XXXX XXXX XXXX XXXX  bankruptcy that im requesting to be removed and blocked due to the company not being able to provide a reasonable explanation on how my person information was obtained. I have also enclosed supporting documentations for that as well
Product: Credit card or prepaid card

We purchased a {$50.00} general-purpose gift card at XXXX and also paid the {$4.00} activation fee ( total spent {$54.00} XXXX, with expiration date XX/XX/XXXX. When we tried to use it for the first time, the transaction was declined. We called the card issuer right away XXXX Saturday XX/XX/XXXX ) at XXXX XXXX XXXX XXXX to resolve the issue. We were told the balance is {$0.00}, no longer {$50.00}. The reason given was the fees over time. The service rep said she has put in a request to revert to the original balance of {$50.00} and the process would take 24 to 48 hours, and that we should expect a call within that timeframe. As of today, no calls received. On Monday XX/XX/XXXX, we called them to follow up. We were again told 48 hours. We called today and was told the issuer US Bank has no time estimate when or whether this can be resolved and our only option is to keep checking the card balance online. 
That the balance of a prepaid gift card ( see attached image ) can simply vanish is beyond comprehension. Our good faith effort to resolve the issue has been met with unmet promises and no follow-up.
Product: Debt collection

On XXXX XXXX collector name XXXX XXXX sent me a letter stating I owe a debt of balance of {$5400.00} via mail. This letter had several violations. Heres a list 15 USC 1692d ( 2 ) fee {$500.00} Quality 2 15 USC 1692e ( 2 ) ( A ) fee {$500.00} Quality 1 15 USC 1605 ( A ) fee {$500.00} Quality 2 15 USC 1692f ( 1 ) fee {$500.00} Quality 1
Product: Credit reporting or other personal consumer reports

I recently submitted a request to Experian to Investigate and remove the account XXXX XXXX XXXX XXXX Experian is refusing to actually investigate the account and remove it. I have sent countless request and each request Experian updates the account in their system. 
The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation.

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Listed below are fraudulent inquiries using my name and social security number without my content. Resulting in identity theft. Could you investigate this and delete these fraudulent accounts from my credit report? 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
Product: Mortgage

The XXXX payment was returned to cross country on XX/XX/year>. I attempted to call cross country today but their phone constantly takes me back to leaving a voicemail. I have left a voice mail and have received no calls back. I am unable to reach a live person, and would like to resolve this. I don't believe I should be negatively impacted since I attempted to remediate this quickly, and the company has insufficient resources to work with customers.
Product: Debt collection

I have received 7 1099-C from USAA from XXXX to XXXX. I am unable to pay these debts. They have been sent to the IRS. I have attached all the 1099-C I have received. Most if not all these debts are more than 7 years old and still are on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXXXXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent numerous pre approval credit cards and loans per Credit Karma. When I applied had my credit ran I was denied and it left hard inquiries on my credit which affected my scores
Product: Debt collection

This debt was paid in full on XXXX. To XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET theE credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These accounts are inaccurate. These are the items I demanding to be deleted immediately : Invalid inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Late payments Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 



2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 


False inquires these are invalid. 

XXXX XXXX ( XXXX ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Mortgage

My second mortgage was charged off and is outside the statue of limitations for collection in the state of Colorado. I am XXXX and have applied for a revers mortgage. I found out that the loan was sold to Ditech and they are now demanding that I pay the charged off debt. I want to lien removed per the XXXX laws.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent letters on 3 different occasions ask Experian for their method of verification for a XXXX account that I told them wasn't mine each time I've never gotten a response as to how they verified the account just a letter saying it was verified. I also reached out to the collection agency that has the account and asked the same and they just sent me a bill and told me to make a police report
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX INFORMED CAPITAL ONE THAT THE ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT THATS NOT MY ACCOUNT. I NEVER APPLIED FOR A CAPITAL ONE ACCOUNT AND HAVE NO KNOWLEDGE OF THIS ACCOUT I WILL LIKE IT TO BE REMOVED AND INVESTIGATED.