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

Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX In addition, I would like to draw your attention to 15 USC 1681c-2 , which states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX ) for this matter. I kindly request that you adhere to the legal obligations outlined in 15 USC 1681c-2 and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.
Product: Mortgage

Carrington is in violation of CA HBOR and dual tracking. Carrington is acting with gross negligence and incompetence. 

At issue is a modificaiton request that was submitted on XX/XX/18. After the modification request was submitted Carrington violated RESPA guidelines and RESPA guidelines by filing a notice of sale. Additionally Carrington continues to ask for documents that were already submitted to them. They already received contributor information they already received most recent pay stubs but they continue to pretend that they haven't so that they can illegally foreclose on property.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here. It is just effecting me a great deal as I used PayPal quite frequently. I have more than {$200.00} on my account and I urgently need it for my brother 's medication, he will undergo XXXX and we need that money. Please help me fix this. Thank you. My email linked to my PayPal is XXXX XXXX
Product: Debt collection

im trying to collect debt for the amounts of {$2300.00} and {$2300.00} f from remitly bank XXXX the merchant i purchase clothes for my clothing buisness that supposedly got delivered with no signature nor did i received and filed the disputes on XX/XX/23. They put my account on negative with my bank XXXX XXXX due to the fact i followed a dispute with the bank remitly and not with the merchant directly. I have no way of contacting the merchant and XXXX XXXX my bank would not help me and told me its out of their jurisdiction.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.
Product: Payday loan, title loan, personal loan, or advance loan

Started to receive collection calls stating i that I took out payday loan XX/XX/year> for XXXX from CRANE FINANCING and that I owe XXXX I did not take out this loan. 

When I looked at contract in my account I see that number XXXX wrong IP address Number XXXX Bank they claim money was deposited into XXXX XXXX I have no affiliation with any XXXX XXXX Banks This is not my debt and this loan was taken out fraudently in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I noticed inaccurate information being reported on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against Equifax, XXXX, and XXXX for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.
Product: Vehicle loan or lease

I recently purchased a used vehicle in XX/XX/2022. I was attempting to add a new bank account to my online account so that I could pay my XX/XX/2022 payment and the system told me that I could not because the bank account # and routing number had been disabled from a prior account. By way of background, my fiance had a prior account with the institution and my bank account and routing numbers were attached to that account. When that account was paid in full, for security reasons, I removed my bank account and routing number from that account. I called Ally on Tuesday to tell them I was having issues adding my Bank account and routing number so that I could make my XX/XX/2022 payment. They told me that they needed to get my Bank account and routing number enabled, given that it had been previously disabled and told me to try again today. I tried three times and it will not accept my bank account and routing numbers so I can make my payment. As of tomorrow, XXXX, I will charged a late charge. I called Ally back today ( XXXX ) and am being told it will take 3-5 business days to fix the problem. They told me several times that I can make a payment through their 3rd party service provided ; however, for security reasons I do not want to do that and there is also a {$3.00} fee to do so. I believe Ally is being difficult and that their practices border on being unfair, deceptive, and abusive. They refuse to take a payment from me, and they are preventing me from being able to make my auto loan payment.
Product: Checking or savings account

XXXX XXXX XXXX {$20.00} Blue Bird American Express XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Blue Bird American Express XXXX XXXX XXXX XXXX - {$1.00} Blue Bird American Express Card I have reached out to Blue Bird American Express as of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl ) locked debit card and contacted XXXX customer service. Replacement card ordered. My issue is this is the XXXX time this year with hackers/scammers XXXX customer service XXXX This is the latest its been more my main XXXX XXXX XXXX was compromised also mid XXXX this year. Not sure if my info is on the Dark Web or something. I just want this Nightmare to be over with. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX nd terrace XXXX XXXX XXXX FL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Whom It XXXX Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( TransUnion, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( TransUnion, XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, XXXX XXXX
Product: Debt collection

Comenity Bank, credit issuer for XXXX Credit Cards, called someone at home who was not the debtor, guarantor or otherwise connected to the delinquent credit card account. The debtor has never lived at the address called or the phone number contacted. Comenity Bank therefore conveyed private debt collection/credit information regarding consumer debt to the wrong party, not the debtor.
Product: Checking or savings account

I have gotten {$210.00} in lat e fees from US Bank in the course of 3 days. I have replenished my account from my other account with in 12 hours when it 's gone negative ( usually from the excessive overdraft fees ). It 's not even suppose d to charge a fee if your account is not over - {$5.00} but at  XXXX  they started charging. I am enclosing screenshots to show my concerns.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored.

Company Name : XXXX XXXX XXXX - Account # : XXXX - Balance : {$5500.00} Company Name : XXXX XXXX Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX  - Account # : XXXX - Balance : {$2900.00} Company Name : XXXX  - Account # : XXXX - Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal dispute regarding an account appearing on my consumer report that is being furnished and reported without my consent. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes to demand the immediate deletion of this account from my consumer report, as well as compensation for the unlawful actions taken against me. 
The account in question is a XXXX XXXX account number XXXX According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies, including XXXX and Experian, are required to exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not being shared without my consent. 
Furthermore, under 15 USC 6801, financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect their nonpublic personal information. A furnisher of information to credit agencies is considered a financial institution under this title and, therefore, must comply with privacy and disclosure laws.

15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to XXXX, Experian, or the furnisher of information to report this account. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to opt out, meaning this disclosure was unlawful.

15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if the item predates the report by more than seven years, except for records of criminal convictions. The account in question is an adverse item being reported without my consent, violating federal law. 
Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person shall not furnish information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given that I have disputed this item, continued reporting constitutes a violation of this statute. 
XXXX and Experian are required under 15 USC 1681e to maintain reasonable procedures to prevent violations of 15 USC 1681c and ensure that consumer reports are furnished only for permissible purposes. Their failure to do so demonstrates noncompliance with federal law.

Lastly, under 12 CFR 1016.7, I have the right to opt out of having my information reported at any time. I am exercising this right now and demand the immediate deletion of the disputed account from my consumer report.
Product: Debt collection

Upon reviewing my credit report in XX/XX/XXXX I discovered a " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$530.00} balance owed to XXXX XXXX XXXX. I disputed this on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I had no knowledge of the account. I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I disputed it again on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I was not responsible for this account ( e.g. belongs to ex-spouse ). I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I was again notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. After the second failed attempt to get this handled I discovered a new additional " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$600.00} balance owed to XXXX XXXX XXXX. I have only been to this Place of Business once. That may have been in XXXX and there were no services rendered other than a referral to a XXXX. These charges are not owed by me in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

I CHECK MY CREDIT TO SEE THAT THEIR WAS A COLLECTION ON MY CREDIT REPORT FROM XXXX.IN THE AMOUNT OF {$420.00} I IMMEDIATELY DISPUTED IT DUE TO IT BEING OPEN BY FRAUD..AFTER I RECEIVED A LETTER FROM XXXX XXXX XXXX STATING THEIR OFFICE WAS IN RECIEPT OF MY DISPUTE AND WAS SENDING A VALIDATION WITCH WAS NOTHING BUT BILL WITH MY NAME ON IT ... THIS WAS NOT A CORRECT VALIDATION
Product: Debt collection

My Financial Assistance application was reviewed and accepted on XX/XX/22 This was with XXXX XXXX  XXXX and XXXX XXXX. I make XXXX a year and the debt should have been discharged but they sent it to collections!!!!
Product: Credit card

My Costco Anywhere Visa Card by Citi credit card account was closed without notice ( no written warning, no email warning, and no text warning ) on Friday, XX/XX/2023. I called CitiBank and they did not tell me why the account was closed. I called again to request information from another CitiBank representative and they said I would receive a written letter in XXXX business days. I have not received a letter. The representative also informed me that the account closure would forfeit over {$300.00} of Costco cash rewards ( an annual cash refund ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Product: Debt collection

Hunter warfield collection Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX 15 USC 1692c ( c ) clearly states If consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 
Pulling into my credit report and constantly phone calls are in fact a form of communication
Product: Mortgage

I sent in a mortgage payoff to Specialized Loan Servicing, XXXX, Colorado. It was rejected because the funds were n't certified. I sent in certified funds. I received a call that the payoff was short because of interest and that I could pay it off with a credit card over the phone. I asked first for a letter saying that this would pay it off in full. They refused so I did n't pay it. I just got a letter asking for additional funds to pay off the loan that says if the funds are not received by XXXX. on XXXX they will return all the money received. 
XXXX problems : I received that letter on Saturday afternoon, XXXX which meant a run to the bank and to XXXX to send it off in time. I missed the XXXX deadline. Problem XXXX : It seems to me they are deliberately making it difficult to pay to maximize interest. Why would n't a company accept a check and bill for the remainder if it were interested in a payoff? Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX 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
Product: Credit card

Please review the documents enclosed. I want the bureau to start investigating these accounts that erroneously label me as late, despite my punctual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes each time including updates obtained by local police investigation. Adding and attaching more supporting proof to rid myself of the fraudulent accounts. Each time Dates and timelines of the FCRAs guidelines and laws where ignored and disregarded. I have been given half produced results in return and still being held responsible for fraudulent debt unlawfully by XXXX, transunion, and XXXX. With that being said I have now retained legal counsel and contacted the NYS attorney general. My attorney XXXX XXXX informed me that I must give the credit reporting agencies one final chance to correct all and any inaccuracies and block and permanently remove any fraudulent accounts. This is my final attempt and dispute for the agencies to correct this matters before filing my lawsuit to obtain civil and financial justice for the way my rights have been disregarded, economic stress and mental burden that has all weighed on me during my already challenging and uncertain times. If section 605 ( b ) of the FCRA is not upheld and these accounts and inquiries and not blocked and removed permanently, my attorney will be filing and handling all matters from this point forward.
Product: Checking or savings account

My payroll is directly deposited into my checking account biweekly on Friday morning just after XXXX midnight. I pay bills as normal both Friday and Saturday with my debt card with no problems. Now, I thought debit purchases come directly out of the account. Why is it that I have had insufficient funds for the past three pay periods because Arvest puts the transaction? I have been charged four insufficient charges today and it should only show one. 

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

Equifax continues to report delinquency with XXXX XXXX when none exited. XXXX XXXX  had a system platform update and my account was never transition to the new platform. Therefore, the reporting created by XXXX XXXX was an admin error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get inquiries removed that are not mine or not authorized by me an di keep getting the run around from transunion. I have called all inquiry that show on my report that arent mine and they will still not do anything and transunion will not either.
Product: Debt collection

On XX/XX/2019 I called EOS CCA collection agency to work something out with my collection wich I did not know about till I checked XXXX XXXX I tried to negotiate but the only way I could was if I postdated my payments which I thought was illegal. they did offered me a discount to settle the account but the only way was to pay in full or to postdate my payments I also asked if they could either mail me or email me the offers they were giving me before I made a payment but again the only way to get it was if I postdate then payments they were asking for. 

the offers were one payment for {$1400.00} or postdate 3 payment {$400.00} before XX/XX/2019 and {$650.00} a month later and final {$650.00} the following month
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1611 is a US Code section that establishes criminal penalties for intentionally and knowingly violating credit reporting laws.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information. 
Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of.. 

XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX of the XXXX XXXX XXXX XXXX XXXX states that no one should be deprived of their property or social interest without just cause. It also prohibits usury and other forms of exploitation.