23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

THE LOAN SERVICER PUT ME ( UNVOLUNTARILY ) ONTO AN IMPOUND PROGRAM AFTER I INVOKED THE CARES ACT TO GO INTO FORBEARANCE. AFTER FORBEARANCE, THEY FORCED ME TO HAVE AN ESCROW ACCOUNT. 

THE ESCROW ACCOUNT CALCULATED THE PROPERTY TAXES WRONG. ALMOST DOUBLE. THEY CLAIMED TO HAVE MADE A PAYMENT IN XX/XX/year> TO THE XXXX XXXX XXXX TAX ASSESSOR ON MY BEHALF BUT UPON CONTACTING XXXX XXXX, THEY NEVER RECEIVED ANY PAYMENTS. 

ALL THE TIME, I HAVE BEEN PAYING MY PROPERTY TAXES ON MY OWN. I NOTIFIED THE LOAN SERVICER OF THIS MISTAKE AND THAT IT IS CAUSING ME UNDUE HARDSHIP BUT THEY DONT CARE. THEY HAVE NOT DONE ANYTHING DESPITE OVERCHARGING ME ALMOST DOUBLE ( MY TAXES ARE ROUGHLY XXXX EVERY SIX MONTH ; THEY ARE CHARGING XXXX EVERY SIX MONTHS ). 

THIS IS A BLATANT DISREGARD FOR ANY LENDING RULES. ALL THE PAYMENTS FROM XXXX XXXX XXXX FOR MY PROPERTY TAXES WERE MADE BY ME. NOT MY LOAN SERVICER.
Product: Debt collection

I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of 9 business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 I submitted a dispute to Experian. To this day Experian has not responded or investigated the issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation.
Product: Debt collection

I discovered some billing errors on my credit report. The late payments listed don't reflect my usual payment history. Please address these issues and update my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received alert notification from XXXX that a new credit inquiry appeared on my credit report. XXXX had received an inquiry on XX/XX/XXXX from Bank of America for a credit card. I did not make any request for a credit card from BOA or any associates. 

I spoke with XXXX and they directed me to call BOA and report the issue. I reported this to BOA however was advised that because the application was not completed there wasn't anything they could do. After some discussion and my insistance they did take some information. 

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX stating to call them within 30 days to provide additional information so they can continue reviewing my application for a XXXX XXXX XXXX XXXX card. The reference number listed was XXXX and Bank of America was listed at the bottom of the page.
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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Product: Credit card

I did not have enough money in my checking account to fully cover my credit card bill, so my payment did not go through. On XX/XX/XXXX, I received an email from Capital One stating that my payment did not go through on XX/XX/XXXX ; however, when I went online and checked my account, it showed that my payment did go through. Just in case, I tried to make a payment for the amount due, but the Capital One website would not allow me to make a payment, saying it was more than 10 % larger than the amount due on my credit card. This was a very confusing situation. As a result of my not being able to pay off the amount due, I was subject to a greater interest payment. I was able to call Capital One customer service and eventually have them return my fee and interest penalty payments ; however, this poor user interface design and lack of communication between Capital One 's credit card department and online banking results in increased hassle and confusion for the consumer, many of whom will just pay the interest and fees and not persist in calling Capital One 's customer service line. The incorrect information shown in the online banking website seems fraudulent in this era of fast computer communications. There is no excuse for it, other than wanting to take more money in interest from consumers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Caine & Weiner Company Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to Caine & Weiner Company Inc . I am requesting debt validation. I am requesting the purchase agreement between Caine & Weiner Company Inc. and the original creditor XXXX. I am requesting proof that Caine & Weiner Company IncXXXX Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report.

2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
XXXX. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of Caine & Weiner Company Inc. communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Product: Prepaid card

I received an American Express Virtual Reward Card in amount of {$29.00} which supposedly can be used with any merchant but no matter how many times I try to use it less than the value, it is still getting declined. The only transaction going thru is the security charges which doesn't mean anything to me. I am getting tired to trying to use this card.
Product: Credit reporting or other personal consumer reports

Im reaching out because TransUnionis helping XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are put incorrect information on my credit report related to the accounts below. 
XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as a gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my credit report isnt accurate!

Accourding to 15 USC 1681 s-2, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. keeping this inaccurate info on my credit report is a violation of the FAIR CREDIT REPORT ACT and your role as a credit report agency. 

Please delete this incorrect information from my report immediately. 

Thank you
Product: Debt collection

Upon reviewing my credit reports, I have found that this account is inaccurately reflected as past due, which does not align with my records and payment history. This discrepancy has negatively impacted my XXXX XXXX and overall creditworthiness. 
I certify that the information provided is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly delete any inaccurate information from my credit report. By the provisions of the XXXX Credit Report XXXX I demand these items be investigated and deleted from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please delete any information that a creditor can not validate. I understand that under 15 U.S.C Sec 1681 1692 you must complete the investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights Pursuant to 15 USC 1681 section 602 A states I have the right to privacy Pursuant to 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish account information. 

I am requesting the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of threats above. 
You are required to do what I am asking and block above reported to my consumer report WITHIN XXXX DAYS from the date above.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) section 605B requires consumers reporting agencies ( CRAs ) to block the reporting of any information in a consumers file that the claims resulted from identity theft. I am unaware of the hard inquiries and collections on my report. 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 {$2100.00} XX/XX/XXXX ( unauthorized and unaware of this collection ) this company has yet to give a purchase agreement with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors reporting false information to credit bureaus. 

1.The following accounts report false information to all three credit bureaus. 
XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Take a look at year XXXX they reported to XXXX the account as paid on time from months XXXX, but they reported it as c/o with XXXX. In year XXXX it was reported paid on time in XXXX but with XXXX it was reported as a c/o. 

2.The following accounts report false information to all three credit bureaus. 
XXXX XXXX OF XXXX Account XXXX Remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain it has three different last activity dates. Also in XX/XX/XXXX its reported as 90days lates but the month before says paid on time. Its impossible to be 90days late if it was paid on time a month before. 

XXXX following accounts report false information to all three credit bureaus. 
XXXX XXXX Account Number : XXXX remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Also with transunion it stated account was close due to transfer yet its still reporting payment after year XXXX with XXXX. Also in year XXXX it says 90 days late in XXXX but the month before says paid on time. Its impossible to be 90days late a month after it says it was paid on time.
Product: Credit reporting or other personal consumer reports

Subject : **Immediate Removal of Fraudulent Accounts from Credit Report** I am writing to demand the immediate removal of all fraudulent accounts appearing on my credit report. Under both state and federal laws, these erroneous listings are unlawful and constitute a violation of my rights. I have provided IRS Form 1099-C and 1099-A documents, which confirm the IRS has recognized and discharged these debts, eliminating any basis for the debts to be reported.

Please note the following applicable legal standards : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** This law requires that credit reporting agencies maintain only accurate and verifiable information. Reporting a discharged debt, especially after official IRS confirmation, is considered a breach of the FCRA, and any failure to remove this erroneous data will constitute a willful violation of this statute. 

2. **Truth in Lending Act ( TILA ) 15 U.S.C. 1601** The TILA mandates that lenders provide clear evidence of debt obligation, which must include a signed promissory note or security instrument. There is no signed instrument demanding payment or security instrument by me, XXXX XXXX, to validate these debts. Therefore, there is no enforceable debt, and continued reporting of these accounts violates federal standards. 

3. **Uniform Commercial Code ( UCC ) 9-102 ( a ) ( 23 ) ** Under the UCC, a car is classified as a " consumer good '' when used for personal purposes. Lenders or third-party collectors can not claim the status of an unsecured consumer debt as a basis for collection activities or credit reporting without clear, enforceable documentation.

4. **Prohibition Against " XXXX  '' and Harassment** Any continuation of these misrepresentations could be construed as targeted harassment or " doxing. '' By sharing incorrect financial data, you are exposing me to unnecessary reputational damage, further violating my right to privacy and putting me at risk. This creates a cause of action under both state privacy laws and certain anti-harassment statutes. 

Since you can not present a signed demand or security instrument for these accounts, any further misrepresentation on my credit report is not only unlawful but actionable. Under federal law, you are required to correct all inaccuracies within 30 days of receiving notice. If you fail to comply, I will take all necessary legal steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any applicable state authorities.

Furthermore, in accordance with 15 U.S.C. 1681n, I will pursue statutory damages, attorney 's fees, and punitive damages should any party attempt to persist in this illegal reporting. To avoid this, you must provide written confirmation within 30 days that the erroneous items have been removed from my credit report. 

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

Hello, I had an issue with Transunion regarding unauthorized inquiries on my credit report. I spoke to customer service and they were unable to assist me. They said that they could not dispute nor remove them. I explained the situation to them and they were not willing or able to assist me. I need these unauthorized inquiries removed from my credit report. 
XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XX/XX/XXXX
Product: Debt collection

When we had transferred our family wireless plan from XXXX XXXX XXXX to XXXX in XX/XX/XXXX, there were numerous issues that were encountered in transferring our lines of service over. One of these issues resulted in the line of service for XXXX erroneously being set up as a sub-account by XXXX on their system. I was told on several occasions that the issue had been resolved and the account had been consolidated with the primary account for all our other lines of service. Since I had enrolled in auto-pay, the primary account has always been paid on time and XXXX provided verbal confirmation that all charges would be billed and charged through this primary account. 

However, I recently discovered that although the sub-account was consolidated, the charges for a brief period of time in XX/XX/XXXX were never consolidated and billed through the primary account. Although this was entirely due to a XXXX processing error, XXXX sent these charges to a third-party collection agency in XX/XX/XXXX without my knowledge. And again, I was told on multiple occasions not to worry about the sub-account billing as everything had been consolidated under the primary account which was enrolled in auto-pay. 

As a result of this error, my XXXX XXXX has been adversely impacted. When I contacted XXXX 's billing representative on XX/XX/XXXX, I was also able to finally get resolution on several other charges to my account which were in error resulting in credits of {$64.00}. These credits were applied to my primary account since XXXX said they no longer have access to my sub-account. 

Per XXXX 's direction, I then contacted their third-party collection agency XXXX XXXX  XXXX to notify them of my conversation with XXXX and filed to file a separate billing dispute with them. However, after this conversation with them, I have not received any written confirmation of my dispute or confirmation that they have contacted XXXX. When I followed up with XXXX, they indicated that they have not been contacted by XXXX & XXXX and they can not correct my account information until that happens. Repeated attempts by me to contact XXXX & XXXX in writing have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted loan application documents at the request of personal who contacted me from Prosper services. I realized that my name was not correct on the loan, it was XXXX, my former legal name. My new name was XXXX, and I forwarded the appropriate court documents and drivers license to verify. I was verbally told by phone that I was approved and that I should submit these documents and confirm my application online. Upon submitting everything, I received a call on the morning of XX/XX/XXXX, confirming yet again that I had been approved. I logged into my account after receiving an email stating that I had an update. Upon logging in I was notified my account had been suspended and my loan was cancelled. The message read : Unable to verify identity, employment, credit history, income or other information on the application.This is impossible as I had provided all necessary information and documentation to Prosper.I called back and was told " sorry, and to reapply in 90 days, '' as this was unacceptable I asked to speak to a supervisor. His name was XXXX, and he told me this would be forwarded to investigation services for their review. They are no refusing to answer my calls and update me on the investigation, meanwhile a hard credit exists without any reasonable answer as to why they cancelled my loan request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my FEDERALLY PROTECTED consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1658 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instructions from the consumer... I have not given any such permission.