23daVinci/CFPB_Complaints huggingface dataset:
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 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 correct : XXXX XXXX  XXXX Balanced Owed : {$0.00}
Product: Debt collection

ARS ACCOUNT RESOLOUTION {$620.00} debt, which only reports to XXXX that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.
Product: Credit reporting or other personal consumer reports

There is inquiries that wasn't authorized by me and it's affecting my life because I'm unable to obtain credit or loans only because I have way too much inquiries I would understand if it was me who made those inquiries but it wasn't therefore i want them to remove it from my credit report upon them reinvestigating the inquiries and if can't be verified please delete them.and send me a update credit report thank you
Product: Debt collection

Starting on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX  in attempt to make a debt settlement. XXXX XXXX is the account representative. We set up a payment plan for {$40.00} per month to be paid the XXXX of every month. I called XXXX on XXXX XXXX, XXXX to offer a cash settlement offer on the balance ( {$2300.00} ) reporting to my credit. The original debt was {$1400.00}. {$640.00} is interest being charged by XXXX. I offered to pay {$2000.00} on XX/XX/XXXX. I was told XXXX would not accept that amt because I have other accounts for collection with them under {$500.00}. I requested 3 times on XX/XX/XXXX to speak to a manager. My offer was submitted for review ( never heard from a supervisor ). Was told I would receive a response of acceptance or denial via mail. Today is the XXXX of XXXX. I have recieved nothing, nor did I receive a validation of my monthly payment set up for ACH withdrawal from my bank account. I called XXXX again today to request any validation of my offer for settlement. Left a voice mail for XXXX XXXX. 
I want this debt settled for the amount of the ORIGINAL debt reporting to my credit minus the interest fees being imposed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX have 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 instructions.
Product: Credit card

My card was opened XX/XX/XXXX with the initial payment due XX/XX/XXXX. In XX/XX/XXXX I received an alert from all XXXX credit bureaus that Synchrony Bank lowered my credit limit from $ XXXX {$2700.00} increasing credit utilization, effecting my credit score. I was not provided a reason or documentation for the change. Credit limit was lowered again XX/XX/XXXX from {$2700.00} to {$2600.00}, increasing credit utilization again. Synchrony Bank closed my card XX/XX/XXXX. From the time of opening the card until the time Synchrony Bank closed the card, I did not have a missed payment nor did Synchrony Bank as the card remained paid on-time, nor did XXXX provide reasoning for closing my credit card.
Product: Checking or savings account

The company Chime denied me for an account and refuses to tell me why. They will not respond to my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a XXXX protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX$520.00} XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
Product: Checking or savings account

I found out that my information SS number address was online upon finding out that all my information was stolen cash app out of nowhere close my account why my account was closed I still have not received that information.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these accounts on my credit report Company or Organization : KIKOFF Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$0.00} Company or Organization : XXXX XXXX Date open : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$600.00} Company or Organization : CURRENT Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$0.00} Company or Organization : XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$80.00} Company or Organization : XXXX XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/2019 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report. Account number : XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : XXXX XXXX XXXX Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX XXXXXXXX XXXX is flagrantly disregarding consumer protection statutes. I demand that XXXX XXXX investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that a 30 day late & 60 day late payment on my Visa card and a 30 day late payment on my Master card were placed on my credit bureau. I reached out to CapitalOne and indicated this was incorrect and that they never contacted me by phone or written correspondence. 

Following are the details : Capital One ( Visa card ) - 1 x 30 day late on XX/XX/XXXX and 1 x  60 day late on XX/XX/XXXX Capital One ( Master card ) - 1 x 30 day late on XX/XX/XXXX I requested CapitalOne to provide me with their documentation of the legal steps they took, as required by the FCRA, before reporting a negative rating on my bureau. They refused to provide me with the actions they took. 

I have never received any kind of communication from them regarding these late payments nor any information that they are going to report these remarks to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the CFPB Complaint I recently submitted. I sent a letter on XX/XX/XXXX to remove the fraudulent accounts and information, specifically : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. These accounts and information are unknown to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit Reporting Agencies , you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. I have provided evidence to support my claim that these items are fraudulent and do not accurately reflect my credit history.
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  " JPMCB CARD '', " XXXX XXXX & XXXX '', '' XXXX XXXX XXXX', has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XXXX XXXX, 2016 at approximately XXXX, I called to inquire about an issue I discovered on my credit report. After unsuccessfully talking with the debt collector, they asked if they could call me on at my phone number, XXXX. I said, " You may not. '' The following day, I sent them a letter. 
This morning, XXXX XXXX, 2016 at XXXX, the collector called me. They did not announce who they were. I told them, " Do not call again. ''
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/year> NAVY FEDERAL CR UN XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist of Unlawful and Harassing Communication Dear Sir/Madam, I am writing to formally demand that NAVY FEDERAL CR UN immediately cease and desist all forms of communication regarding any alleged debt associated with account # XXXX that I do not acknowledge as valid. 

Despite previous efforts to resolve this matter, your company has continued to contact me in an unwarranted and harassing manner. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq. 

Effective immediately, I demand that all further communication from NAVY FEDERAL CR UN or its agents to mewhether by phone, email, or mailbe treated as harassment and reported to the relevant legal authorities. I reserve the right to pursue legal action if this request is ignored. 

This letter serves as formal notice of my demand. I expect written confirmation within 10 days that NAVY FEDERAL CR UN has received and processed my Cease and Desist request, and that no further contact will be made unless through legal representatives. 

Thank you for your immediate attention to this matter. 

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

On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EXPERIAN reporting INCORRECT information on my Credit Card with XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX. 
I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on XXXX or XXXX and that that information was incorrect as I had called XXXX XXXX XXXX and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due as well when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! 
This is now my THIRD TIME asking EXPERIAN through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times to see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They have YET to give me a fair and proper investigation as a matter of fact I am a PAYING MEMBER of EXPERIAN and get updates about my disputes in REAL TIME which I then can print out. As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! 
They just continue to deny me of my rights again and again.
Product: Money transfer, virtual currency, or money service

Regarding Vemno ( paypal service ) - {$100.00} sits XXXX in their possession citing " suspicious activity '' they asked me to upload documents and I did immediately and their automatic email said I would receive correspondence within XXXX hours time. I did not receive the correspondence. I finally called to speak with representative and she was extremely rude at XXXX point even went silent for approximately XXXX minutes ignoring any questions I had. After being told from the automatic email it would be XXXX hours. The phone representative stated it could be up to XXXX business days. Originally found the account was frozen XX/XX/2024 from a customer saying they were unable to pay to my account. I made contact with the phone representative XX/XX/2024 approximately the XXXX hours I was told to wait and did not hear anything back. I requested to close my account and receive my balance which I was denied.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Debt collection

I have 3 charges from ARS from different dates. None of those dated correspond with medical things I've had done. I've also had insurance consistently for the past almost 10yrs. I've tried several times to dispute the charges or get in touch with the company with nothing in return.
Product: Mortgage

In XXXX my ex-husband and I purchased a town-home, in XXXX we divorced and I was awarded the home in our divorce settlement. The original loan processor was Aurora which was bought out by Nationstar in XXXX. I acquired a loan modification in XXXX on the property which my ex husband did not sign and I was told that he would be removed from the loan MANY times by Aurora and Nationstar. He is no longer on the deed but he is still on title/note. I asked Nationstar if my loan was assumable ( trying to remove my ex-husbands name since they did not do what they said ) but they said no which is not true due to the Garn-St German Depository Institutions Act of 1982, this act allows non-assumable loans to become assumable in certain situations such as divorce. I can not afford to refinance and Nationstar is not working with me on my assumption request.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.