23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DEAR EQUIFAX ; XXXX XXXX XXXXXXXX, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.
Product: Checking or savings account

On XX/XX/22 in the afternoon I got an email from PayPal of an invoice XXXX for a XXXX subscription. I called the number in the said invoice and I was answered by XXXX XXXX and he said that someone made a credit card under my name in Venmo. He made me go to a XXXXXXXX XXXX XXXXXXXX and I was putting my personal info there such as driver license, address, SSN and debit card info. I did not verify if he was PayPal staff helping me block unauthorized transactions against me. He made download an app XXXX  into my XXXX while we were doing this. He made sent sent some payments and he said it is to block the charges to my card. I have no service nor products needed from XXXX. 

At the end of our conversation, I locked my debit card and credit card as I began to realized that I have given my personal information to someone I did not know personally or trust. 

I then in the morning received a message from from my bank that a transaction from XXXX was made against my debit card and that it was denied. I realized that I was scammed. I canceled my debit card from my bank and also my credit card. I canceled PayPal account too. Venmo sent me a message that they froze my account due to questionable translation.
Product: Debt collection

I filed an earlier complaint regarding the collection practices of a third party organization assigned by XXXX XXXX. XXXX XXXX did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with XXXX XXXX. I had been under the impression the matter was resolved many years ago. XXXX XXXX instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices XXXX XXXX has participated in over the years. 

I would like for XXXX XXXX to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for XXXX XXXX to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for XXXX XXXX to provide statements for that card account mailed to me reflecting an unpaid balance.
Product: Debt collection

I received a letter from Capital Accounts on XXXX XXXX, 2016, alleging that I owe an outstanding debt. I requested on XXXX XXXX, 2016, that Capital Accounts provide me with verification and validation of the alleged debt and any documents proving I, XXXX XXXX, am the person in question. Capital accounts has failed to provide me with any documentations proving that I am the debtor. I was advised by a representative in Capital Accounts office that they could provide me with an itemized bill of the charges owed. I requested Capital Accounts send me a copy of any signed documents where I promise to pay or repay any outstanding balance. Capital Accounts has failed to provide me with any documents and applied this account to my credit history without proving I am the person in question. I sent a letter to Capital Accounts within the prescribed time and Capital Accounts failed to verify or validate this alleged debt. Capital Accounts is in violation of the FCRA and FDCAP according to the consumers rights to dispute. I am requesting an " immediate '' expulsion of this negative reporting debt from my credit history and a cease and desist of any further collection activity by Capital Accounts until proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

I have found SLS very difficult to work with. Applied for Loan Mod. in  XX/XX/XXXX, but they claimed they did not get it. Resubmitted all documents several times and finally new Loan Mod. granted and mailed out on XX/XX/XXXX. I signed and returned all paperwork and completed the 3-Trial payments, on-time, as of XX/XX/XXXX. I requested a LOWER Interest Rate and Monthly Payment Amount for the ne payment amount. However, SLS RAISED the Interest Rate from 3.75 % to 3.87 % and RAISED my monthly payment. I called SLS on this, on XX/XX/XXXX and spoke with " XXXX '', who stated, " These terms are non-negotiable. That's the only way we are able to approve the loan modification. '' XXXX refused to give me her ID #, so I had to call back on XX/XX/XXXX and get it. Teller ID # XXXXXXXX. Said she does not have an MLS #. I filed a Complaint on XX/XX/XXXX and SLS said they could not read it. I re-faxed the information, again, several times and resubmitted the CFPB Complaint. SLS has DONE NOTHING to correct these Complaint ISSUES. The CFPB has a Glitch in the system, which would NOT allow me to submit my complaint. I had to SAVE it to a File ; and then attach that File.
Product: Bank account or service

A payment was sent to Bank of America without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Bank of America has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Bank of America ) blocked transactions for the ACTIVE account, at their discretion meaning Bank of America reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account.
Product: Credit reporting or other personal consumer reports

Never properly investigate it and resolve my issues every time I submitted a claim it came back verified and it wasnt verified.
Product: Debt collection

On XX/XX/XXXX I received a debt collection letter from XXXX XXXX XXXX, which stated that I owed for outside referral copay services rendered on XX/XX/XXXX ( listed in the letter as Date of Service ). However, any billing for services provided by XXXX ( including any outpatient services ) are ONLY billed to me via my XXXX online account. This debt collection letter states its from XXXX XXXX XXXX but I called the number ( XXXX ) listed in the letter and its from USCB America collection services, and I XXXX  both address and number to confirm the same. When I called this debt collector on XX/XX/XXXX and again on XX/XX/XXXX I was told again that I owed money and I informed them that its an illegitimate claim because I called XXXX billing directly at XXXX on XX/XX/XXXX and XXXX informed me that I dont owe anything. I called XXXX billing again on XX/XX/XXXX and the rep informed me that any outside services are submitted only to them, they process the outside providers claim and approve or deny, and will then send me a bill via my online account ( since I am enrolled in paperless ). Further, my XXXX billing representative stated that I owe nothing and shouldnt be billed by USCB ( representing themselves as XXXX XXXX XXXX ) for outside provider XXXX  fees since the claim was already submitted to XXXX and approved FOR a different amount, and there was nothing owed by me for any outside referral copay. I did my due diligence and spoke with both XXXX and the outpatient facility where I had services performed on XX/XX/XXXX and I can confirm that I do NOT owe anything to XXXX or anyone related to my outpatient procedure on XX/XX/XXXX. As someone who knows compliance laws and regulations fully, especially FCRA and FDCPA, I want USCB America collection services to confirm via letter that I dont owe them anything, where and from who they got information that I owe XXXX XXXX when I dont ), and evidence that I have not and will not be reported to any of the credit reporting agencies given that I owed nothing as this is a false claim. My credit history and score are paramount to me, and I take this matter seriously. If need be I will take this a step further and make this a legal matter with USCB ( representing themselves as XXXX XXXX XXXX ) for ilegal collection practices and falsely reporting me to collection agencies for amounts that are not due or owed by me.
Product: Checking or savings account

XX/XX/2020 i receive a payment a deposit for XXXX for annual royalty payments. i never seen any of the money i contact sound exchange They my account on for other rise that don't make any scene. 

XX/XX/2020 i receive my annual payment for BMI 2 payment total of XXXX royalty. 

In this process I was closing my bank account I received notification that my deposit was deposit. form the bank and B M I Last night I received my unemployment UI Total of XXXX, i went to the bank because the account is in the close stages. 
That said they can withdraw the deposits But it would be XXXX i said that not the full deposits. they said that my BMI money never cleared my account. Wish that is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer credit report and I noticed some unauthorized accounts from XXXX XXXX account under 15 USC 1681 number 3. Equifax assumed this role without permission not only that you did not have my consent. Equifax did not respect my privacy pursuant to 15 USC 1681 a number 4. Equifax did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Product: Debt collection

Inaccurately reporting on my consumer report, old information and lack of information, defamation of character and harassment and abuse. It is illegal to report transaction history and this is a violation of the privacy act of 1974. See attachments.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 10 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX  Account Number : XXXXXXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

My debt to XXXX XXXX XXXX was sent to a 3rd party collection company in XXXX. My balance once sent to collections was a little over {$1800.00}. I made payments of {$75.00} directly to XXXX & XXXX on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I returned the rental instrument ( sax ) on XXXX/XXXX/XXXX to the XXXX & XXXX store, which should have credited at least another {$800.00}. I then made additional payments directly to the 3rd party collection agency ( Transworld Systems ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$75.00} each time. I have spoken with XXXX & XXXX and they told me that I need to speak to Transworld Systems and that there was nothing that they could do. They confirmed that any payments that they received from me were sent directly to Transworld. I called Transworld Systems and they had no knowledge of any payments made to XXXX XXXX XXXX, or of the instrument being returned. They told me that they would look into it and update my balance. I disputed my credit report twice and the balance still shows the original amount.
Product: Credit reporting or other personal consumer reports

This serves as a formal demand for the immediate removal of the fraudulent account listed under XXXX XXXX from my credit report. This account was fraudulently opened and is not authorized by me. Under federal law, you are required to remove any inaccurate or unverifiable information from my credit report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my rights as a consumer to demand the deletion of this fraudulent account. Under 15 U.S.C. 1681s-2, data furnishers are prohibited from reporting inaccurate information, and credit bureaus are obligated to correct or remove false data. Failure to comply with these legal obligations is a direct violation of federal law and may result in legal action against all responsible parties.

Additionally, under 15 U.S.C. 1681n and 1681o, I reserve my right to pursue legal remedies, including statutory damages, punitive damages, and attorney fees, should you fail to comply with this demand. I expect written confirmation of the removal of this account from my credit report within the legally required timeframe. 
I have enclosed a copy of my identification, social security card and a copy of my credit report highlighting the fraudulent account for reference. 

I expect written confirmation of this deletion. Failure to act will result in further legal consequences.
Product: Vehicle loan or lease

On XX/XX/XXXX, my husband and I went to look to trade out our XXXX XXXX XXXX. The lease was ending on XX/XX/XXXX. We decided to go with a XXXX model and started the process of closing the terms of the Ford Credit XXXX and starting the XXXX lease. This is when all the issues started. First, we were told that we would have to get the payoff amount from the XXXX Dealership we originally started the lease. After exactly 60 minutes of trying to get a person on the phone at XXXX XXXX in XXXX, TX, we eventually started the paperwork based off the payoff from calling Ford Credit which stated {$17000.00}. After paperwork was signed, we drove 30 minutes to the XXXX XXXX dealership where at least 50+ employees were in the building ( even though they couldn't answer a phone call ). Spoke to XXXX XXXX, their Finance Director, and eventually got the payoff for XXXX. I understand there's a difference because of interest, but we were not expecting it to be $ XXXX more. However, we then drove 30 minutes back to the XXXX dealership where we got the XXXX and redid the paperwork based off the new payoff and we paid the difference. About three weeks later, we started getting collection calls for the XXXX XXXX. We explained the car has already been traded in and paid off, but on their end, it showed it was not. Come to find out, Ford Credit was trying to add an extra {$4300.00} to the total payoff amount, even though we got a document from XXXX XXXX stating the amount of {$18000.00}. The XXXX dealership had to take it to their corporate office to dispute it, but eventually paid it off on XX/XX/XXXX. Now we are getting collection calls again stating we owe over {$1400.00}. We should NOT owe more money on a car we have not had since the end of XXXX and shows to be paid off!!
Product: Checking or savings account

I had to disputed unauthorize charges on my chime account for chime to deny the claim with no full explanation which they said in the email they are providing me with evidence that they gathered from the investigation which they stated was device location and different evidence the merchant provided which was not true they only proved me with a screenshot of transaction I was disputing I have dispute numbers for the claims that were denied dispute XX/XX/XXXX # XXXX XXXX transactions dispute XX/XX/XXXX # XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX These account 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 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
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The late payments being reported on this account are inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history on my credit profile to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Debt collection

In XXXX of XXXX while I was employed by a company which provided me excellent insurance and low copays, I got a dental procedure done to my mouth. I paid the remaining balance that was due after my employer paid the big balance. Then I moved out of the state a few months later. In mid XXXX I received a random call from a debt collector saying I owed a balance of {$240.00} and this will be reported on my credit. I tried to inform the representative that the debt was paid but they were unwilling to hear my story. I even reached out to the dental company who also was very rude to me in stating I did not pay my bill. Now this is a bad stint on my credit that I did not cause.
Product: Debt collection

XXXX XXXX XXXX : XX/XX/year> Midland Credit Management [ Midland Credit Management Address ] [ City, State, Zip Code ] Re : Request for Removal of Collection Account XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of the collection account associated with my name from my credit report. The account in question appears to be reported by Midland Credit Management. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that validates your claim.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : 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