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

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX 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 4.Account Name : XXXX  XXXX Account Number : ending in XXXX XXXX5 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 instruction 5.Account Name : XXXX Account Number : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I would like to file a complaint against Bank of America. My name is XXXX XXXX. Last 4 digits : XXXX, Claim ID : XXXX, Reference number : XXXX The bank helped an untrustworthy merchant to steal {$6600.00} as the estimated amount for the goods and money stolen from me. The bank did not uphold its standards or reputation to assist me with my claim, allowing the merchant to sell me blatantly fraudulent merchandise which I have received verification from 3 authenticators about its false authenticity. When negotiating with the buyer, he promised to assist me with my merchandise after the initial claim ruled in my favor. I sent the money and the buyer proceeded to accuse me of not sending the money and basically leaving me with fake goods and none of my money. 

After I filed another complaint, the bank told me to send the merchant their merchandise back and provide evidence with a tracking number. I proceeded to do this and the bank closed the dispute saying that they couldn't do anything regarding my claim without any details. When I went to the bank, they informed me they closed the case and couldn't do anything, after I did what they asked to return the merchant their goods. The bank allowed the goods to be taken by a fraudulent seller and failed to further assist me with my case, even after I conformed to their demands to escalate my case which did not happen. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX- No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are 6 counterfeit note report for each individual debt Please send to agency listed on each counterfeit note report. 
Debt has already been paid in full Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name? 

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
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 XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account 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 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: Mortgage

We refinanced our mortgage with Recovco/ Sprout Mortgage and closed on XX/XX/2020. However since the refinance process was started back in XXXX of XXXX  the amount to close ended up being {$2000.00} 'To Borrowers ' and {$1500.00} as 'Principal Reduction to Borrowers '. Although we did receive the {$2000.00} from the escrow company, XXXX XXXX XXXX, the Principal reduction to Borrowers was never credited to our loan with Recovco/ Sprout. 
Recovco/ Sprout immediately sold the loan to XXXX XXXX XXXX with the loan amount being the Full {$280000.00} without any Principal Reduction ever credited. XXXX XXXX XXXX stated that they did not know of any Principal Reduction and they also eventually transferred the loan to another company, XXXX XXXX, without any of the companies ever issuing the Principal Reduction credit. 
So in essence the loan was for {$280000.00} but should have included the principal reduction credit because the amount back to us as borrowers could only be {$2000.00} and the rest had to be as a reduction of our principal, the {$1500.00}. 
They just kept the Principal Reduction amount for themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating my score is lower than it really is, XXXX XXXX XXXX  FICO states it is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is to inform you that these companies I am complaining about ignored my requests. I sent a letter requesting them to validate accounts on my report that does not belong to me. Within that request there was a debt validation form that they needed to fill out. Until this date I have not received any correspondence from these companies. At this point these companies are in violation of the Fair Credit Reporting Act Section 611 ( a ). Based off of the aforementioned act and section, they must remove the provided accounts if they do not complete a thorough investigation and respond to me within 30 days. Again I would like you to know that it has been over 50 days and still no response from these companies. This situation is stressing me out and I am looking to start litigation against these companies if they continue to ignore me. If it helps, my information was affected by the Equifax data breach.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I recevied a call from someone posing as a XXXX XXXX employee. He notified me that my electricity was going to be shut off in the next XXXX minutes if I was unable to get my balance up to date. I agreed to pay what was due. He put me on hold and came back saying theire systems were down but could not stop the shut off unless I could pay at a nearby XXXX XXXX office or by a mobile payment to an account number he gave me. I was not near a XXXX XXXX facility so I agreed to pay through XXXX. I made what I thought was XXXX payment but then quickly saw tow additional payments come out of my account. I alerted Bank iof America within minutes. I have attached below the letter from the bank. {$7000.00} was taken from me. I have bank with Bank of America fro XXXX years and feel they are not taking any responsibility that XXXX of there tools was so easily used to streal from me.
Product: Debt collection

I found a wrongful credit reporting on my credit report and want it removed. 

Debt Collection Company : Pinnacle Credit Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Refuses to Answer a demand to Verify Debt This Demand was Sent by Email, USPS and through XXXX without a response! 
XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX Dated : XXXX XXXX, 2014 Dear Sir/Madam : I am disputing obligation to pay this account. Suspend all collection efforts until dispute can be validated with the Federal Fair Debt Collection Act Title VIII. 

I am writing in response to Wrongful Credit Reporting of a debit. I do not believe I owe what you say I owe. I am disputing the debt. 

I am respectfully requesting that you provide me with the following information : - What the money you say I owe is for - Any credit application for this debt - Any contract that I signed and dated, for this debt - A copy of any judgment - Identify the original creditor by date, name, address and telephone number. 

Further, you are instructed : All future communications with me MUST be done in writing and sent to me by mail. 

Finally, if you do not own this debt, I also request that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

By, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

Previously filed federal tax lien has since been withdrawn, see attached copy of IRS form XXXX ( sent to me from the IRS ) as initial proof of this. XXXX and XXXX have since removed the tax lien from my credit report, however Equifax still will not remove it even after XXXX disputes being initiated. 

They suggested contacting the filing office ( XXXX county ) for more information. i called XXXX county ( using the number that Equifax provided, ironically ) and spoke to them for a total of XXXX ; they told me that they do in fact show the tax lien as having been withdrawn, their document number for that withdrawal filing is XXXX ; said filing took place on XXXX/XXXX/2015 according to XXXX county, and both of the Equifax disputes were initiated after that date ... 

Considering that it took me less than XXXX minutes to locate the withdrawal document, and order a copy of it ( that is being mailed to me ), i fail to see how Equifax could have not been able to accomplish the same having had several weeks to conduct their " investigation ''. 

Equifax is a for-profit company that makes money selling my personal information, and they do n't even have the decency to report the correct information. How on earth can they be allowed to operate with such ridiculously low, and arguably negligent, standards? 

Equifax has already cost me time and money ( fees for documents ), and this only occurred due to their negligent " investigative '' behavior. They should be fined for this action! If i had the resources available, i would absolutely take them to court! 

i will continue to pursue all avenues available to me until Equifax removes the tax lien from my consumer credit report, as this is what the law requires and demands of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Credit on XX/XX/XXXX and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.
Product: Credit reporting or other personal consumer reports

. 
Complaint I am writing to formally dispute the followin inaccuracies on my XXXX XXXX XXXX XXXX account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submited a dispute to XXXX  regarding [ COLLECTION ACCOUNT ]. XXXX XXXX XXXX XXXXXXXX was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Howeve, to date of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX has failed to respond to my dispute, violating the FCRAs timeframes. 
Additionally, XXXX XXXX failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, XXXX XXXX XXXX XXXX has violatd this provision of the FCRA. 
Due to XXXX XXXX XXXXXXXX noncomplianc with the FCRA, I am requesting that the Consumer Financial Protection Bureau XXXX CFPB ) investigate this matter and take appropriate action. XXXX XXXXXXXX actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e restricted the investigation period for disputing with a creditor to USC 1681i ( A ) 1 a. Which is a 30 day period to complete its investigation. This investigation triggers all aspects of 15 USC 1681i ( 5 ) treatment of unverifieable information that must properly be deleted if the investigation can not be deemed verified within 30 days. 15 USC 1681s-2 ( 8 ) e equals 30 days response to dispute equals 15 USC 1861 i ( A ) 1 a which is equals to 15 USC 1681 s-2 ( 7 ). Im here by requesting in good faith pursuant to Rule 1002 that the Notice was sent, when was the notice sent, what notice was sent and notice the address was sent to regarding the furnishing of this negative information. 
I am attaching copies of all relevant documentation, including the dispute letter sent to XXXX XXXX and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against XXXX  XXXX # XXXX **** Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer report 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.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is not reporting correctly on my credit report. 

XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2014 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the XXXX XXXX account was settled for me through National Debt Relief, yet XXXX XXXX continued to tell the credit bureau that I owed {$5900.00} + when they know that they settled this account on XXXX I asked Experian way back in XX/XX/XXXX and forward as far as today to fix my credit because I sent them proof that XXXX XXXX settled the account the credit bureau refused to fix it stating that XXXX XXXX would have to fix it. I sent XXXX XXXX all the information showing that the account was settled yet they said they didn't receive the signed document they needed to close out the account. I forwarded them the document and they then said it was blurry and they wanted me to directly sign the document they were sending to me through document signing through my email. I opened the document but they had filled in the date showing it as if it was just being done today. I asked XXXX XXXX to change it to the original date that the transaction happened they told me I could change the date but it was not allowing me to change the date. I immediately contacted them again and stated I could not sign it because it makes it appear that we just agreed on today. XXXX XXXX said no because the paperwork has XX/XX/XXXX on it. I refused to sign it because it is showing that even though its shows last year the date of signing shows today. I forwarded them the document I signed with the correct date on it and now they are saying that it is blurry and they can not see it. I should allow them 72 hours to make a decision on the situation. I sent another copy to XXXX XXXX XXXX XXXX who stated that she already forwarded the document to where it needs to go. I am frustrated because XXXX XXXX knows they settled that account and continued to fraudulently report on my credit that I still owed them money. That account should show settled as of XX/XX/XXXX. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that discover was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a letter in the mail about the data breach for XXXX XXXX. I have a Case no. and I have just still trying to get things straight after the Equifax breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.
Product: Credit card

Hello. Ive had PayPal credit for years. In my entire time with PayPal Credit, I set up two auto-pay payment plans before. One was started XX/XX/year>. I need to know when was the other one started and ended? 

I need documentation of these dates. I keep calling and chatting with PayPal agents and no one has answered me. They keep telling me a manager will call me and no one has called. Ive been trying to get this information for a year now. Please answer the one questions straight forwardly. Thanks. 

PayPal Credit Account Number Ending in XXXX