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

I recently did an investigation on my credit report which has caused confusion, stress and the misuse of my credit file, finding multiple inaccurate, unverified and questionable items that the bureaus show not to have 100 % correct. 

Account Name : XXXX XXXX  Account Number : XXXX The first inaccuracy I noticed, when I went into my local XXXX XXXX branch located in XXXX, Texas, I was given the paid off balance receipt of {$1400.00} due to making the first initial payment. However, the reporting balance amount on my credit report shows to be {$1500.00}, whereas the starting balance before my first payment was made of the loan was {$1500.00}? Are collection companies supposed to tack on additional fees? 

The second inaccuracy, when I pulled together my XXXX, Equifax and my Fico regarding the XXXX XXXX account, I quickly noticed different months of receiving payment. Isnt my personal credit file that verily impacts my life, supposed to show accurate information? I have felt unheard and overwhelmed with credit bureaus not making sure everything is verified correctly before throwing any collections onto my credit file. The decisions of the credit bureaus, takes a huge impact on my financial future, therefore needing to make sure collections are verified and correct with everyone involved. Please take care of this matter promptly with a deletion due to inaccuracy and incorrect information that violates the FCRA law. Thank you for your time.
Product: Debt collection

debt collection placed lein on House for debt I have no XXXX  of
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumers 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: Debt collection

Subject : Cease and Desist Communication and Removal of Unauthorized Account from Credit Report Dear TBOMXXXX/FORTIVA, I am writing to express my utmost concern and disappointment regarding your recent actions in relation to my account. I have discovered that you, as a debt collector, have accessed my non-personal information without my consent. This not only constitutes a serious breach of privacy but also raises the alarming possibility of identity fraud. 

I want to bring to your attention that I am not obligated to pay the debt you are pursuing, as I have already made the necessary payments. Your attempt to coerce me into making additional payments is not only unfounded but also an egregious violation of my rights as a consumer. 

Furthermore, I have noticed that TBOM/XXXX/FORTIVA has added an account to my credit report without my authorization. I would like to emphasize that even in the case of permissible purpose, the consent of the consumer is still required. I explicitly do not give my consent, and therefore, TBOM/XXXXFORTIVA should be immediately removed from my credit report to rectify this invasion of my privacy. 

In accordance with Texas-specific laws, including but not limited to the Texas Finance Code 392.202, I demand that you cease and desist all communication with me. Your unauthorized access to my personal information and the subsequent attempts to collect a debt I do not owe are clear violations of my rights.

Moreover, your actions may also be in violation of federal laws, such as the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you provide documentation supporting your claim and explain the basis for the unauthorized entry on my credit report. Failure to comply with these demands within [ a reasonable time frame, e.g., 30 days ] will leave me with no choice but to pursue legal action against TBOM/XXXX/FORTIVA. 

I strongly advise you to rectify this situation promptly by ceasing all communication and removing any unauthorized entries from my credit report. I expect your immediate attention to this matter to avoid further legal action. 

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

I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( XXXX, Equifax ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.
Product: Prepaid card

Please Help. I can not believe Direct Express is doing this to me again. I have been trying all month long ( XX/XX/year> ) to get into my account but I keep getting the same message which says - Unable to Verify Account Please call XXXX. So I have been calling and I have yet to speak to anyone. There is unauthorized charges of over {$500.00} and I can not get a hold of anyone to let them know. I followed the automated steps to report my card stolen but nothing has happened. I am unable to report my card stolen and someone is using it. All of my money is gone. I do not know how Direct Express is able to do this to people especially people who are the most vulnerable - the elderly and the disabled - I am disabled and I feel powerless, defeated, and I just want to give up because I am so discouraged and helpless to this problem. It is not fair that this happens and keeps happening to not only me but so many others. I have nothing and Direct Express lets hackers and thief 's steal the little bit I have. My bills go unpaid, my fridge is empty, I can not afford to pick up my meds, I am unable to provide for my children. Why can they not pick up the phone. How can they let this happen. I have done nothing wrong expect trust in a bank that was chosen by the federal government to disburse my disability money, that I earned by working the last 20 years of my life. I demand my money be reimbursed and a new debit card be issued. Direct Express Needs to start caring about the people instead of lining the pockets with mhy money.
Product: Credit reporting or other personal consumer reports

MT Bank violated the following : 15 USC 1666b, 15 USC 1681a ( 2 ) ( 1 ), and 15 USC 6802. I would like for all negative remarks to be removed from my consumer reports immediately.
Product: Student loan

I continuously try and pay my student loans with Navient.com, but everytime I go online or call to pay my loans it says my balance is {$0.00}. I know I owe at least {$48000.00} approximately. I am getting very frustrated trying to pay when I am unable to.
Product: Mortgage

SLS is my mortgage company they continue to harassment working me out of my house. Ever year they sent shortage on escrow. Last year I told them Im on a fixed income. I paid the XXXX lister they raised my house payment from XXXX to XXXX again this year they are doing the same thing they want XXXX and the raise my payment XXXX. I told them I wanted to pay all the escrow so my payment stays the same. They are refusing that to force my payment up again. This is the worst company. They dont give you options. Its like they are slowly pushing me out of my home.
Product: Mortgage

My complaint is against the company that holds mortgage Bay view Loan Servicing. The company is very unprofessional and is always providing incorrect information and misplacing documents. However this complaint is reference to harassing collection call. My mortgage is due on the XXXX of each month and I have a grace period till XXXX of each month. Bay view begins making collections call on the XXXX. The calls are excessive 6 -- 7 calls a day every hour on the hour. I understand that the payment is late but this has to be some form of harassment. One call and a message is appropriate. Please contact this company about their collection call process.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX  and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally demand the exclusion of specific transactions from my consumer report under the provisions of 15 U.S.C. 1666b. This statute mandates that, to be included on my credit report, creditors must provide all required disclosures per 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date. Failure to meet this disclosure requirement invalidates these transactions ' reporting, and Experian has a legal obligation to exclude such inaccurately reported information. 

The following transactions are at issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The lack of timely disclosure of these transactions violates my rights under the Truth in Lending Act, specifically sections 15 U.S.C. 1637 ( b ) and 15 U.S.C. 1666b. Courts have repeatedly upheld that credit reporting agencies must ensure the accuracy of information on consumer reports and are obligated to remove or exclude items reported without proper disclosure. Relevant case law includes : XXXX. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX ) which established that failure to provide mandatory disclosures under the Truth in Lending Act constitutes grounds for consumer protection action, affirming that consumers have the right to accurate information on their reports. 

XXXX XXXX vXXXX XXXX XXXX XXXX XXXX XXXX XXXX 411 U.S. 356 XXXX XXXX ) which highlighted that creditors must meet strict compliance standards, including providing timely disclosures as outlined by the Truth in Lending Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co.**, XXXX XXXX XXXX ( XXXX Cir. XXXX ) which reinforced that credit reporting agencies bear a responsibility to verify the legality and accuracy of information on consumer reports, and failure to investigate properly can result in statutory violations. 

Given the above, I am requesting that Experian immediately exclude these transactions from my consumer report, as their inclusion violates federal regulations and undermines the accuracy and integrity of my report. 

This demand is made in line with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act. 

Please provide written confirmation within 15 days that these items have been excluded from my report. 

Failure to do so will compel me to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and any necessary legal action. 

I trust that Experian will address this matter promptly and uphold its obligation to maintain accuracy on consumer credit reports.
Product: Debt collection

I am a victim of identity theft, and I did not make these charge ( s ).

I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close this account.

I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft.

Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX CARD XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

It has come to my understanding that through multiple phone calls with Hunt & Henriques whom are representing XXXX XXXX XXXX XXXX XXXX XXXX ) that they have used deceptive, false and misleading practices towards me. They have misrepresented themselves as representing the original creditor, XXXX. When they reference the alleged amount that I owe, on more than one occasion, they referred to the account as " better known as '' or " also known as '' or " " you may know this as '' your XXXX XXXX. '' Hunt & Henriques contacted me initially on behalf of their client XXXX XXXX, so I've come to understand. Their client is not XXXX. XXXX XXXX bought the debt from XXXX. By saying " better know as '', Hunt and Henriques misled me into believing that this account was associated in some way with XXXX and by using this language they deceived me into believing that they were working on behalf of XXXX which they were not. XXXX was completely out of the picture by the time they they called me. Their client isn't XXXX, By misleading me they gave me the false impression that repaying these funds would go back to XXXX through XXXX XXXX. This caused me to enter into a stipulated agreement with them not knowing that XXXX wouldn't be getting the money. By using misleading and deceptive practices Hunt & Henriques was able to persuade me into believing false information about the alleged debt which eventual led to a judgement. Had Hunt & Henriques not misled me into believing that this alleged debt was still somehow involved with XXXX getting their money back I would have fought the judgement. By using this deception Hunt & Henriques also caused me intentional infliction of emotional distress.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Venmo to secure a deposit with a business that specializes in shipping cars. 
On XX/XX/XXXX I initiated a dispute for services not rendered due to the shipper not completing their end of the contract XX/XX/XXXX Venmo requested evidence of the transaction or my side of the story. I provided screenshots of my conversation with the freight broker. 
XX/XX/XXXX the freight broker informs me Venmo has deducted the deposit {$80.00} from their account. They proceed to tell me I need to cancel the dispute and harass me for a few weeks XX/XX/XXXX I notify Venmo of the harassment in hopes it escalates my dispute On XX/XX/XXXX I contact customer support to check on the status of my dispute XX/XX/XXXX I reach back out to Venmo and I am told that after 50 days it would be found in my favor. 
50 days passed and I have still not received any communication from an account specialist, and customer support tells me There is nothing they can do because they are not account specialists and the people that can help me do not speak to the public. 
XX/XX/XXXX I lose faith in Venmos customer service policies XX/XX/XXXX I XXXX the Consumer Financial Protection and file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Collection Account : XXXX XXXX XXXX XXXX Account # XXXX, Collection Account : XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer. In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated 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 card or prepaid card

I purchased XXXX XXXX XXXX XXXX XXXX from XXXX  and used my XXXX account to pay for those 2 creme for {$160.00} on XX/XX/XXXX. The XXXX  account was linked to my capital one credit card account. The credit card account was owned and used by me for more than 10 years. It generally provides very good services and I never had problem with it until this transaction. 
The creme I purchased was stored in my cabinet unused in original package for 1 year. The storage life of the creme is 3 years. I opened one of the creme in XX/XX/XXXX and found it has strong smell and the oil and texture of the creme is separating. This creme has dramatically different texture compared to the authentic XX/XX/XXXX and fragrance is different too. So, I reached out to ebay and was told that ebay protects customers within 45 days of receipt. I reached out to XXXX and was told XXXX protects customer for 6 months of receipt. XXXX said my credit card company can protect this kind of bogus buy. I reached out to Capital One and after many calls and rounds of proofing letters with capital one, capital one declined my claim because my transaction was a year old. I dont understand why a non authentic luxury skincare is not considered fraud. There are so many bogus sellers selling fake luxury skin cares on XXXX. And because of its storage life, many users cant discover the authenticity until they actually use it. Capital one should protect me and all other consumers from those bogus and maybe toxic skin care products as long as consumers can prove they are in valid storage life and has 98 % content left unused. Its fraud to me and should be protected no matter how long ago they were purchased.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX