23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Assignment Contract Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( iii ) To Whom It May Concern, I am writing to dispute an item listed on my credit report and to request further documentation regarding its accuracy. Specifically, I am disputing [ Name of Creditor, Account Number, or Other Identifying Information ] reported on my credit file. 

Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( iii ), if my dispute results in the verification of the accuracy of the item in question, the consumer reporting agency is required to provide me with a description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name and address of any furnisher of information contacted in connection with the reinvestigation. 

Additionally, I am requesting a copy of the assignment contract or other agreements between myself and the original creditor, as it pertains to this debt. This document is crucial for verifying the legitimacy and enforceability of the account being reported. 

Please note that, as per the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved promptly and within the legally mandated timeline of 30 days. If you are unable to provide the requested documentation, I request that the disputed account be removed from my credit report entirely. 

I have attached a copy of my credit report highlighting the disputed item, along with a copy of my government-issued ID and proof of address for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information and resolution. 

Sincerely, [ Your Full Name ]
Product: Credit reporting 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 Balance Owed : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company Tate & Kirlin Associates , Inc was in charge of a charge off account that they told me that if I paid the debt not only would the collections account would be deleted off my credit reports they would also delete the original tradeline of the charge off a bank called XXXX XXXX. The collections account has been deleted but the original account has not. They now refuse to help me out and get the problem resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from applying for a auto loan due to the amount of hard inquiries I have on my report that i didnt consent which also has affected my credit score
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$0.00}
Product: Mortgage

This is regarding a violation of the " periodic statement rule '' of the XXXX XXXX XXXX XXXX  and Consumer Protection Act of this company United Equitable Mortgage . United Equitable MTG doesn't send periodic billing statements each billing cycle to borrowers. I called this company and requested for a " paper or email '' billing statement to be sent each month or each billing cycle. The customer service said that they don't do this! I asked if there's a website that I can check to monitor my account and the customer service said that there's none. 
This is a violation of the Periodic Statement Rule of the XXXX XXXX XXXX Reform and Consumer Protection Act. It's easy for an account to get overlooked if there's no billing statement! 
I have an account with this company that was reported past due in XX/XX/2024. The amount is only {$150.00} but this created a negative impact on my credit! If this company sends out paper or email billing statements every month, this account would stay current as I would have found ways to pay for it because it's not a big amount. 
United Equitable MTG is making it hard for the customers.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( blocking, inc ) ( in fact they keep changing the name ) due to inadequate customer service and unfair practices which violates the consumer financial protection act specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected
Product: Student loan

I paid off my student loan XX/XX/2021 and it is still showing on my credit report as unpaid, I called and spoke with them and they sent me a letter stating it is paid off but I would have to contact you.
Product: Credit card or prepaid card

I am disputing charges on my US bank credit card and debit card. 

I followed the appropriate channels and have even contacted the merchant to try to resolve the dispute with them directly. I am disputing the charges on my card for two reasons : one the services were not fully rendered and secondly for bad service. 

I provided all the documentation to US Bank to show that they did not perform half of the services in the package and included the email correspondence to show that I have tried working with the merchant to get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I have a Experian credit report which gives you your Scores and protect your ID, my social security number is wrong, and they added another party which is not mine here are the two credit report numbers, XXXX XXXX. A party sent in a statement that they where in the armed forces and they would be out of the country until XX/XX/2022. This not me I have been working so that is also fraud
Product: Debt collection

IN RVIEWING MY CREDIT FILE I FOUND A FEW ACCOUNT THAT I DO NOT RECOGNIZE AND NEED TO BE REMOVED FROM MY FILE.
Product: Vehicle loan or lease

Please I Want a loan because my business he is delayed or give me job please help me XXXX no XXXXXXXX XXXX XXXX please help me
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXXXXXX 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 of 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

TRANSUNION is reporting nonpublic information on my consumer report which is a direct violation of my right to privacy as a consumer.
Product: Debt collection

I'm serious about suing your company for failing to investigate and remove inaccurate information from my credit report, as required by the law. I've repeatedly asked you to address the issue with the specified accounts linked to DEPT OF EDUCATIONXXXX, but you haven't taken any action, violating the Fair Credit Reporting Act. Please remove these accounts promptly, or I'll proceed with legal action.
Product: Credit reporting or other personal consumer reports

Under 25 U.S.C. 1666b this is a billing error, ( 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. - XXXX XXXX # XXXX - XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I had difficulty managing my credit card payments, so I contacted XXXX to discuss possible arrangements. Unfortunately, XXXX declined to help, which caused me to fall behind on my credit card obligations. This led to my account being sent to a collection agency. I have since settled the account and resumed making payments. However, XXXX has failed to update my account status and has kept the negative information on my report. This has significantly harmed my credit rating and score. I urge you to remove all XXXX accounts from the records of all three major credit reporting agencies, as this unjust situation continues to affect my financial well-being.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX and Citigroup is restricting the lawful purchase of firearms and equipment and refusing to loan to businesses involved in firearms for their livelihood. They don't have a problem with the guards carrying firearms when it comes to protecting their money and property. 
These banks didn't have a problem taking bailout money from taxpayers that were involved in forearm sales and manufacturing, They didn't care where it came from then as long as they got what they wanted. 
This practice runs counter of our Constitution and Bill of Rights. By implementing this type of fascist policy we can see how easy it would be to slowly erode any purchase of firearms and requirement.

Banks are in the banking business to provide a service to lawful citizens not to implement policies that undermine our Constitutional rights.

What is next? Do banks get to decide what kind of books a person can purchase? Or maybe they only want a person to buy a XXXX instead of a XXXX? 
Respectfully, XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I contacted Navient through their " Online Help '' service and requested, in accordance with the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 ; a copy of my original loan application, master promissory notes, and disclosure statements. To date, I have not received any response from Navient, nor have I received the requested documents.
Product: Debt collection

The debt collector in question employed tactics that violated the Fair Debt Collection Practices Act ( FDCPA ), engaging in practices that were abusive, deceptive, and unfair, all of which the FDCPA explicitly prohibits. They reported an account for which there was no mutual agreement or signed contract. A legal contract typically involves the consent of both parties, and I was not a participant in any such agreement. Furthermore, the debt collector failed to adhere to the proper five-step validation procedure, exacerbating the unfair nature of their practices. As per the FDCPA, I am entitled to {$1000.00} for each violation, and it is evident that my rights were violated in this case. 
CREDIT BUREAU ASSOC ( Original Creditor : XXXX XXXX ) XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED ACCOUNTS IN MY NAME WITHOUT MY CONSENT FRAUDULENTLY.
Product: Debt collection

Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, 1 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Account # : XXXX Date Opened : ( XX/XX/XXXX ) is inaccurate Last Reported : ( XX/XX/XXXX ) is inaccurate Date Last Active : ( XX/XX/XXXX ) Is inaccurate Date of Last Payment : ( XX/XX/XXXX ) is inaccurate Account # : XXXX Date Open : ( XX/XX/XXXX ) is inaccurate High Credit : ( {$1800.00} ) is inaccurate Last Reported : ( XX/XX/XXXX ) is inaccurate Date Last Active : ( XX/XX/XXXX ) is inaccurate Date of Last Payment : ( XX/XX/XXXX ) is inaccurate Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections.
Product: Credit reporting or other personal consumer reports

Experian has not complied with the laws and also appears to have retaliated by dropping my score XXXX points. At this point im going to have to sue experian and I will be contacting my attorney for the ignored violations and also causing me stress because of the negative posting on my credit and this is the fourth time I have reported this information to the cfpb. 

Experian 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 an account without my written instruction.
Product: Money transfer, virtual currency, or money service

coinbase.com - isnt ' their a us law that states that i an institution holds your cash, they are no way shape or form allowed to keep you from yourn cash? when obama wasa prez, you had him going to florida and tell those law ppl their fired and he endforced the laws but now you got a pseudo banking institution which has my cash in their institution. i orgot the password for the account and dont ' remember the password for the email address. so i called coinbase.com at XXXX XXXX XXXX XXXX so i give her my name password, and then shes ' like last 4 of your phone number., im gon na fax you some personal identificatrion and shes like we cant conrtinue if you cant give me your last four of your phone number ; so i go, gim me an email address, ill send you 17 ids and my ssn and i go, excuse me itrs my cash you cant no youre not allowed to not give me access tro my money, so i finally go do you have a supervisor i can talk to and shes like sure and hung up. my name is XXXX XXXX XXXX XXXX XXXX nys XXXX
Product: Student loan

XX/XX/XXXX, I paid {$2700.00} to one of my loans through Aidvantage. I had recieved a scholarship and wanted to get ahead on repayment. I made the mistake of allocating the funds to the wrong loan, a subsidized one instead of unsubsidized. There is no option to cancel the payment, redirect the payment, anything. Ive spent XXXX hours on hold so far. I just want to pay the right loan. Im still in college and I just want to be smart.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report. I've already disputed these items but the bureaus didn't remove them, nor prove validation. XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to pay off the Mortgage in Full since the beginning of this year. I was given a loan pay off balance & quote thru the mail in XXXX. This included directions to pay to Comerica Bank with Routing+Account #. ( XXXXXXXX XXXX  ) I first sent a wire from my bank to XXXX bank & it was returned. The bank said the account dont exist. ( XXXX ) Wire payment was suspended in XXXX. ( XXXX ) I filed a complaint to address this problem. I was again given the same bank information. In XXXX my bank said that the Comerica Account was CLOSED. I called Comerica bank ( XXXX ) and they also said that the account given was CLOSED. 

I called XXXX Wednesday XX/XX/2022 at around XXXX EST to check the bank account information. A XXXX Rep lady center agent who didnt give her name was very rude about the situation, she said the following : 1. No payoff quote was given, because my email address XXXX was rejected. This is untrue because I got a copy thru email & postal mail 2. Claimed we owe {$200.00} extra because the loan is in default, which shouldn't matter considering we was trying since the begging of XXXX to pay off the mortgage. 
3. Refused to give a new quote & confirm the bank account info I was given by saying " we never had this problem before '' 4. Hung up while trying to fix " online logging account '' issues. For some reason XXXX has a online account for XXXX XXXX yet we never created an account & cant get access to this online account. 

I tried to pay XXXX in full but their Comerica Bank Acct is closed. They are charging excess fees & interest because of this. 

XXXX was the original lending company and the current lien holder listed for the property. XXXX XXXX XXXX is stating they are not the correct current company with this property for the mortgage. I am needing to know where to send my payments and who currently actually is the lien holder.