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

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in XXXX
Product: Debt collection

At the time I disconnected service from XXXX, now listed as IC systems on my credit report, there was no balance. A balance was accrued due to unreturned equipment which I returned the equipment about a year later to XXXX in downtown XXXX. I called shortly after returning equipment after being told by a rep at XXXX that the company does have a tendency and reputation to not credit accounts for equipment being returned and sure enough the company is and has stated on numerous occasions that the remaining balance is associated with a balance for service and it is not. I would like this removed from collections as I do not owe a balance for service and equipment has been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My captial one credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.
Product: Debt collection

The fraudulent account in question was apparently established with the intent to deceive unsuspecting individuals seeking a rental property. Unfortunately, this deceitful act has not only caused financial loss to potential tenants but has also tarnished XXXX XXXX 's reputation. We suspect that the perpetrators took advantage of the current situation, exploiting the chaos and uncertainty caused by the pandemic.
Product: Debt collection

i do not own this debt, i don't have no contract with this company.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the XXXX grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's XXXX grace period. As such, this account should not have been reported as XXXX XXXX XXXX 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to Experian, XXXX and XXXX about unknown inquires that are listed on my credit report last Month around or between XX/XX/XXXX and XXXX I believe to have unauthorized and unrecongnized inquires removed and XXXX has denied to remove the unrecognized and unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In Accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXL # XXXX Open XX/XX/XXXX and Paid Off XX/XX/XXXX company sent Tile I Traded car to XXXX XXXX XXXX 4 months later company place account back on repost as late pay or closed or paid in full or charge off 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also States a consumers reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : No Consumers reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my medical bills, I have california, XX/XX/XXXXcompensation I have had it for 26 years and they still don't bill it I even worked at one of the XXXX  for 16 years and they still don't bill it correctly. I have this years new award letter. I get every year.Due to Complex XXXX I have XXXX XXXX  and XX/XX/XXXXXX/XX/XXXXbut why do I have to have had credit because they don't do it right.a victim should be victimised by the bill for treatment on her credit. Just saying.so please remove it and after being told 26 years to bill it right can't u make a note on ur system instead of bringing my credit down cuz someone didn't bill it properly XXXX  I have XXXX debt on credit and most is medical and can email u a copy of award letter please remove it thank u and I apologise but I'm trying to buy a car and I shouldn't have to do your companies billing just so I can have a proper credit rating to buy a car. Please don't be offended I know how billing Is I understand but from this side I have to fix the billing on my medical before I can buy something for 26 years it gets old. I was abudted in XX/XX/1993so that's along time of fixing it Everytime I want to buy somethint. Thank you have a great day
Product: Debt collection

Would like for XXXX to provide the original purchase agreement to show they are the sole and full owners of the account
Product: Mortgage

I hope this letter finds you well. 

I am writing to you as a concerned citizen and constituent of Texas, seeking your assistance and intervention regarding a grave issue I have been facing with my mortgage company, M & T Bank. 
My husband and I are both Veterans of the XXXX XXXX. I recently discovered alarming discrepancies in my attempts to make appropriate payments to my mortgage company and am working exhaustively to rectify the situation. However, there are several issues and potentially unlawful actions by my mortgage company, which have led to significant financial losses for my family. 

The issues I have encountered include M & T Bank rejecting my payments and not returning them, giving my husband and me incorrect information as to where our money is and how to obtain it back, conflicting communications and timelines, and stating that they can only call either my husband or myself, once per day. These actions not only violate the terms of our agreement but have also placed an unjust financial burden on my family and put my home at risk. 

My husband and I have made copious attempts to address these issues directly with M & T Bank, but their response has been unsatisfactory and uncooperative. I believe that my mortgage company 's actions may be in violation of state and federal laws, and I am seeking your assistance in holding them accountable for their actions. 

I appreciate your attention to this matter, as our home and our XXXX children are at risk. Thank you and I hope you have a good day and God bless. 

XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XX/XX/XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.
Product: Credit card or prepaid card

My friend sent me a link to sign up for a credit card, capital one quick Silver where you get a {$200.00} bonus after spending {$500.00}. I called the CC to confirm the offer about 1.5weeks ago. I spent $ XXXX and the CC didn't give me the {$200.00} bonus. I called the CC company and they said that I don't have the promotion on my account and that the representative that I spoke to the previous time gave me incorrect information. I asked to close the account after this bad interaction with capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

My payments on this debt are not being reported accurately. This debt began as a private student loan I took out while I was in graduate school. I finished graduate school XX/XX/XXXX and had no job and no other income. I defaulted on the debt because I had no way to make the payments. 
As soon as I was able to get a job and get back on my feet, I began making payments on this debt. I have made monthly payments for over XXXX years now, for a total of over {$6000.00} in payments. I still have over {$9000.00} left to pay on the debt. I have asked the lender for a rehabilitation option or some other way to get this debt back in good standing ( since most student loans have that option ), but they always tell me they do n't offer a rehabilitation option. 
Although I always make a payment of {$200.00} each month on this debt, this debt is reported every month as " Past Due. '' There is no way to tell from my credit report that I am making monthly payments on this debt. This company has agreed to accept $ XXXX monthly, and I pay them $ XXXX monthly. That agreement should be reflected on my credit report as " pays as agreed. '' Instead, I look like a deadbeat who does n't pay her bills. I just want my payments reflected accurately on my credit report. 
What makes the situation even more ridiculous is the fact that my father, who filed bankruptcy XX/XX/XXXX, has a better credit score than I do. I have made sacrifices and delayed goals like buying a house so I can pay off this debt. Even though I 'm doing the right thing by paying this debt off, I feel like I 'm being punished. Should I have just wiped out the debt instead by filing bankruptcy too? The way my credit report looks it seems like that would have been smarter. 
This debt is scheduled to stay on my credit report until at least XX/XX/XXXX. I 'm making payments every month. I just want those payments reflected accurately so I can move on from ruining my credit five years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one XXXX either way, block the noteworthy of any information in my credit record that came about due to fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. COMENITY WAYFAIR ACCOUNT I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
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  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 XXXX 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: Debt collection

They have placed negative items on Credit Report. I have asked them to send me a invoice for these debts. They refuse to send me a invoice. My insurance said if they have a invoice they will pay it. They continue to call me. I have told them I wo n't pay it without a invoice. This item is over 7 years old.But because I do n't have a invoice I can not tell for sure.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer I XXXX XXXX, am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt out notice to consumers ; opt out methods, with said company XXXX XXXX. U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. Based on the said laws & codes I exercise my rights as an consumer because my personal information is being used unlawfully. The reporting of this account as a debt is inaccurate & unlawful. As well as sharing or selling my personal student loan info per the The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). REMOVE THESE XXXX XXXX ACCOUNTS ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following account and paid, never late. 

XXXX XXXX Ending in XXXX Date of Late Payments- XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX