23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Items are identified as # XXXX and # XXXX which were reported on XX/XX/2016 and said to have been opened on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al. 

If the Items mentioned above are actual Accounts, opened by your agency, then they were open without my Direct Prior Consent and with my private nonpublic information and were extended my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. 

I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. 

You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. 

Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, etc. the following sections are more than reasonable enough to point out your violations and liabilities : 1. You violated 1692c of the FDCPA. 
2. You violated 1692e of the FDCPA. 
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 
4. You violated 1692j of the FDCPA, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX
Product: Bank account or service

I opened a Citibank checking account as part of a college campaign when I was XXXX years old. The account was free as long as I had deposits every month. In XXXX of this year, Citibank automatically switched my account into a new " full service '' account which charged me {$25.00} a month unless I maintained a $ XXXX balance on my check account, which is a lot to ask for. They did not ask for consent to switch my account over. They claimed they sent me a letter letting me know it was done, but I did not receive it. I 've asked them to reverse the fees, since if I had known, I would not have authorized the switch, opted for a basic account, or closed my citi account. They 've reversed half of the charges, but wo n't reverse the rest. They also charged me a {$25.00} fee after they switched my account back to a basic account upon request. Please let me know if there 's anything you can do to help, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to Rushmore Mortgage company to remove late payments that they had recorded and reported on my credit report during the year XXXX when my loan was transferred to them from another lender. My mortgage was being paid by the XXXX XXXX XXXX XXXX. Agency.  Payments were being paid electronically on time according to schedule. Somehow something went wrong with the way Rushmore was recording the data and it reported several late payments. The XXXX XXXX XXXX XXXX reached out to Rushmore several times in trying to rectify the problem but did not get any responses from them. When XXXX  did hear something after reporting Rushmore to the US Department of Treasury, Rushmore stated they were having staffing issues back then. Nevertheless, the reporting issue was never cleared up. I thought everything was good until recently I learned that those reporting errors was hurting my credit profile and ability to get fair credit. I then appeal to Rushmore to examine the records and remove the late payments recorded in error. Within approximately 24 to 36 hours I was told that the records were correct. I included the email dialogue I had with the XXXX representative attesting to the inaccuracy of the records as they were paying on time. 
I think Rushmore has been unfair in their investigation and that they should correct the records and remove those late payment recordings.
Product: Payday loan, title loan, or personal loan

Hello, In XX/XX/XXXX I entered in to an agreement with Aqua Finance to finance my bathroom remodeling through a 3rd party contractor.

All is well, overall with one exception. They refuse to remove my method of payment on file citing they only process payments between 2-5 PM each business day. Thus the need to keep the entire card on file. 

They say it is to protect in case of something not processing correctly but does not offer any option for one time payments online for its customers to enter. 

I do not want my credit card information saved on file but their limitations in payment processing nor offering any options for customers to process as they choose online, force my info to be available. 

Im seeking resolution here. It does not stop 10 phone calls per day at all hours from happening when a payment is late even a day.

Let me also add that if paid a day late the next months charges are already added the total amount due forcing you to pay the next months bill early or having to call or answer one of their 10 calls a day to process.

Thank you for your time. 

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

I am filing this complaint against XXXX for reporting inaccurate and false information to the credit bureaus, which has resulted in my inability to open a bank account. Despite my efforts to dispute this information, it remains on my record, causing financial hardship. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX corrects or removes the inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) Account # XXXX Date Opened : XX/XX/2013 Dear Equifax & XXXX This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached.. This account are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this account from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

Please remove it from my credit report or Im seeking litigation please delete.

This account on my Equifax credit report has been on there way too long and inaccurate. When contacting the creditor they said they do not know why Equifax still is showing the account when it has been deleted on their end and according to them and XXXX has themselves deleted the account 2 years ago. They said its not up to them but up to them credit reporting agency. 

Credit stated that it should of been deleted over 2 Years ago as it was a Derog account
Product: Credit reporting or other personal consumer reports

About XXXX months ago I wrote an email to experian XXXX telling them to close my account. At that time I had discover card and XXXX XXXX in their system. Today I looked at it and those XXXX accounts were the only ones reporting. I looked at my credit report and saw self reported XXXX bill of {$130.00}. On my credit account even tho I have a credit of {$34.00} I filed a separate complaint about that. This complaint is reporting that EXPERIAN WILL NOT ALLOW ANYONE TO CANCEL THEIR XXXX ACCOUNT ONLINE EVIDENCED BY THE ATTACHED PHOTO. AS YOU CAN SEE THE SUBMIT BUTTON IS GREYED OUT AND INOPERABLE. IT SAYS TO CALL XXXX to cancel. There is a robo voice that will not let you cancel instead it spins you around and around. I have today removed the XXXX XXXX and the XXXX XXXX accounts manually while in their system. 
I am furious they reported wrong information about an account that was not even on my experian boost account to the credit companies!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX XXXXXXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and l am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file immediately.
Product: Bank account or service

I 'm advocating on behalf of my limited communications skills domestic partner XXXX XXXX who opened up checking and savings accounts with Bank of America in XXXX. I have co-power of attorney. 
XXXX is not XXXX 's XXXX language. He is from a remote XXXX where time virtually stands still ( few own XXXX ) so one can appreciate how overwhelming XXXX banking procedures/policies would be to such a man. Additionally XXXX is exceedingly introverted will not assert himself even when abused as Bank of America did to him. Just from the monthly hard copy statements since XXXX ALONE I 've so far been able to locate he has been slammed with approximately {$3000.00} in fees!!!!! Quite likely the figure approaches {$10000.00} since the inception of his accounts. XXXX month alone saw the usurious sum of {$280.00} yanked from his shrinking net worth. He is being charged almost as fast as he can earn. Understand, that the XXXX year old XXXX is an XXXX with XXXX being his most recent occupation. 
Banks should never be as detached from their customers as Bank of America is from XXXX. He and I plead for your intervention and an analysis of his accounts from their opening in hopes that XXXX might be rightfully reimbursed for the callous indifference and disproportionate depletion of his assets.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that I believe is someone else 's account, XXXX and XXXX have already removed this collection from my credit report. All the bureaus are supposed to have the same information. Experian has also failed to provide any debt validation of this debt, I have no idea what this collection is.
Product: Mortgage

Select portfolio services is over charging me. I paid them {$3000.00} and they keep saying I owe them more money.. My payoff was {$2400.00}... I have paid them XXXX I also have the proof.. They are still saying I owe {$720.00}.
Product: Debt collection

Attempted to collections to remove from my account, but my CDR account number keep changing. CDR is now stating I have TWO open accounts, but only one shows up on my credit report. I have initiated over $ 1K in payments, but CDR states I have only made {$440.00}. I was denied access for viewing statements and applying payments, I am now unable to make payments online. I am being told I have to make payments with a representative, but they are not emailing statements with a balance.

Numerous emails have been sent to CDR asking for statements showing received and applied payments, but they have failed to provide any supporting documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was searching for an apartment and the " owner '' of the home reached out to me regarding the home. He told me he moved to Florida and was working with a realtor who inflated the prices of the home so he decided to place the ad on XXXX. He told me due to Covid-19 that he was not allowing showings but we could drive by and see the place and check out the neighborhood. He sent me an application that I filled out which I completed. He told me if I am approved, he will mail me the keys since he was in Florida. I completed the application, he sent me a lease once I was approved, and I sent him the money for the security deposit and first month 's rent. Prior to sending him the money, I reached out to XXXX on XX/XX/XXXX and asked them what would happen if I send money through the bank and I do not get any keys. The rep told me I can do a dispute to get the money back. At first, I tried to do the transaction through XXXX. I was unable to do so and called the bank again for assistance. I was transferred to another department. After a while, I sent the money through XXXX with the assurance from the rep that if anything fell through, I would be covered through the bank. I sent {$850.00} on XX/XX/XXXX and XXXX. Once the money was sent I was under the impression, the keys will be mailed out to me. He told me will mail me the keys and that is when I realized it was a scam/fraud. After he received the money, he asked for more money. I told him I was not sending him any more money and wanted my money back. He refused to give me my money back and proceeded he will send me the keys and I have not heard back from this person. Afterwards, I reached out to XXXX and explained to the rep what happened ( XX/XX/XXXX ). She started the claim and told me to reach out to the Zelle dispute team to try and stop the second payment. The next day, I reached out to the Zelle dispute team and she marked the email address as fraud to prevent this from happening again to someone else. The following Tuesday XX/XX/XXXX, I called back to file a claim for the second {$850.00}. About 10 business days later, I received a letter that the dispute was declined based on findings. Under normal circumstances, I would not have sent money via zelle. But since we are in a pandemic and people do not want to meet face to face, I was optimistic about the situation. I did not gain anything from this transaction except a loss of {$1700.00} and the service/agreement was not fulfilled. I am told by the bank that Zelle does not protect consumers who have been scammed or frauded out of money which is horrible! There should be some sort of rule in place to help people get their money back especially during a pandemic when funds is already limited. The fact that I trusted a service and is not protected is very disheartening,
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 XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports 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 disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : ( XXXX  XXXX ) ( Account Number : XXXX ) I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX  XXXX and provide me with copies of any documentation associated with this account, bearing my signature. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I don't consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my consumer reports XXXX  I noticed that there was an account furnished by XXXX XXXX  on my consumer reports. The accounts are being reported to TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to ensure that they receive my notice and respond with a comprehensive reinvestigation. My notices of disputes have been ignored by other companies and that in itself is time consuming having to send an additional letter out. I want the multiple accounts reinvestigated.