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

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such inquiries and also other document so I XXXX review to see if those inquiries actually belongs to me
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXBalance : {$2600.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXXBalance : {$190.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What else should I say? Again, this situation is making me sick! Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC and Police Report claiming I was a victim of ID theft. I'm attaching the report for your records. This fraudulent account should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX
Product: Debt collection

I have photo proof of them calling me everyday for almost XXXX years 10 times per day sometimes almost 20 times per day and back to back. This isn't just a few dates it's literally every day almost for XXXX years
Product: Credit card or prepaid card

I purchased concert tickets on XXXX from a ticket agency for XXXX XXXX called XXXXXXXX XXXX The concert was postponed due to COVID and I started to contact the XXXX XXXX which customer service said that the money was not refundable until the concert was cancelled when I finally found out almost 1 year later that the concert was finally cancelled and my Capitol One credit card was credited on XX/XX/2020 for the {$880.00}. 
I never received the money from them because I paid off my credit card account in full and closed the account in XXXX of XXXX. 
I have called them over 2 dozen times and have gotten nowhere and I need to help recovering the money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX, this states I have the right to privacy. Under XXXX XXXX XXXX section XXXX A section XXXX, it also states a consumer reporting agency can not furnish account without written instructions. Under XXXX XXXX XXXX, a creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose. Under XXXX XXXX XXXX titled Definitions Rules of Construction : paragraph XXXX titled Exclusions and sub paragraph subsection I, states that transactions are not included in the consumer report. Please update all payments to XXXX.
Product: Student loan

In 2007, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was aggressive and predatory. I ended up taking financial aid far beyond what I could ever hope to afford based on promised future salaries. 

Servicing began through XXXX XXXX, transferred to XXXX, and I finally consolidated through XXXX XXXX. 

After years of payment, forbearance, and a bit of discharge from a federal class action lawsuit, I've brought the number down from over XXXX down to under XXXX. 

Though I earned a degree from XXXX XXXX XXXX, I left the industry shortly after I started when it was clear that this particular degree had no value and would never allow me to pay off the astronomical cost of earning it. 

I've attached the complaint from the XXXX XXXX XXXX lawsuit, as it elaborates the illegal practices far better than I can, since it was so long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to removed. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate removal of this violation and compensation for the damages caused and thorough investigation into this violation and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These Chargeoff, Accounts Included in Bankruptcy, and Public Record should be removed : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. XXXX XXXX XXXX XXXX Owed : {$0.00} - Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. XXXX XXXX XXXX XXXX : {$0.00} - Thoroughly and diligently investigate the inclusion of this account on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. XXXX XXXX XXXX XXXX : {$0.00} - I require unequivocal and concrete proof that justifies the presence of this account on my credit report and categorically certifies that my rights have not been wantonly violated. In the absence of such compelling documentation, I demand the swift and decisive eradication of this unlawfully reported data. XXXX XXXX XXXX XXXX XXXX : {$0.00} - The charge off account on my credit report, despite having a XXXX balance, is causing excessive distress and severely tarnishing my credit score. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report. Chapter XXXX Bankruptcy Reference # XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

I have went back and forth with this company for quite some time asking for a lease that I signed with XXXX XXXX XXXX at XXXX XXXX and was provided a lease to another apartment complex. I then called the leasing office and XXXX of the agents there looked up my name and stated I had no account with them at all and can have the call pulled. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( CapitalOne/Walmart XXXX XXXX  ), has violated several of my rights. 

15 U.S.C 1681 Section XXXX A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

Back in XXXX I requested assistance with getting a better interest rate or anything with getting a lower payment. They stated U didnt qualify. But in XXXX I received a letter stating my loan was about to be in default for non-payment. I called the lender and they stated that I had not made a payment since XXXX of XXXX ( it was now XXXX XXXX ). I asked how if my payments were automated. The representative stated they did not know. I then called my bank who confirmed that a payment had not been made since XX/XX/XXXX. I asked how if the payments were automated and taken out bi-weekly. She then asked if I did this and I stated no. With further research it was discovered that Wells Fargo did this resulting in me calling them back. When speaking with them they gave me the runaround but a young lady finally transferred me to XXXX XXXX ( she explained what the responsibilities were and believed this is who could handle the matter ). XXXX XXXX gave me the runaround but I finally spoke with a representative who stated that anyone who asked for assistance in the past six months were approved for a forebearance. I informed them that I was denied for any assistance so how was I automatically approved and why was my automatic payments stopped WITHOUT my approval. It was stated that they were doing me a favor. I reiterated that once I was denied there was NO PAPERWORK sent or any verbal and written consent from my for them to authorize this. He then stated that I am still responsible for the money that was past due. I disputed this for many months and had gotten nowhere. I asked for them to provide me with the auto recording giving them permission to stop my automated payments as the recording says that all calls are recorded. They have failed to do this. As time went on I participated in my states assistance program. I seemed the assistance from an organization name XXXX XXXX XXXX out of XXXX, Ohio was paid the money. I later called Wells Fargo back and informed them that despite me personally not paying them they received bail out money from the government to recoup the loss due to XXXX, therefore, they were double dipping and that is against the law. 

As of today, nothing has been done to either give the money back or subtract the amount owed due to it being their fault by illegally making our agreement void by not taking the money out as requested. Nor could they provide me with a recording to allow them to stop payment. As a result, they need to be held accountable for their abuse of power and breaking the law. 
Please feel free to contact me to address any questions comments or concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet I feel like Im being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX  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 in the past and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payment XX/XX/XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute a late payment reported for XX/XX/XXXX on my credit file. The account in question is with XXXX XXXX XXXX XXXX and the payment has been incorrectly marked as late with both Experian and XXXX. Upon reviewing my credit reports, I found that the payment for XX/XX/XXXX was correctly reported as on time with XXXX. This discrepancy between the reporting agencies indicates an error that needs to be corrected. As such, I request that the late payment be removed from my credit reports with Experian and XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and under 15 U.S.C. 1681e ( b ), furnishers and credit reporting agencies are required to ensure the accuracy of the data they report. Given that XXXX shows the payment was made on time, it appears the negative marks with Experian and XXXX are inaccurate. I kindly ask that the XXXX XXXX XXXX XXXX conduct a thorough investigation and provide confirmation that the late payment reported to Experian and XXXX was reported in error. In accordance with the FCRA, please remove the late payment and correct any inaccuracies associated with this account. I would appreciate written confirmation once the necessary corrections have been made. If further documentation is needed, including my XXXX statement showing the payment was made on time, please let me know. Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I have asked several times for the validation of these accounts below and they just keep sending me notifications saying account verified but nothing else has been done about what I have asked for so I am going to seek damages for the numerous violations in the amount of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request and Removal of Bankruptcies, XXXX account and XXXX  account Dear Sir/Madam, I am writing to formally request validation of the XXXX bankruptcies listed on my credit report, as well as to dispute the reporting and validation of XXXX  and XXXX credit card accounts. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debts reported against me. Specifically, I refer to 15 U.S.C. 1692g, which mandates that a debt collector must provide verification of the debt upon request. 

The bankruptcies I am disputing are as follows : XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy I request that you provide me with the documentation verifying these bankruptcies, including the details of the accounts involved, the dates filed, and the creditors associated with these filings. Should you be unable to provide this documentation, I request that you immediately remove all three bankruptcies from my credit report. 

Additionally, I am disputing the reporting and validation of the following accounts : - Fingerhut Address : XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX - XXXX  Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Please provide verification of these accounts as well. If you can not validate these debts, I also request their immediate removal from my consumer report. 

I expect a response to this request within 30 days, as mandated by law. Please be advised that I will be keeping a record of all communications regarding this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : TransUnion - XXXX XXXX  - XXXX 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect information reporting on my credit report. please remove as soon as possible.
Product: Debt collection

In XXXX, I sent a formal dispute letter to AMSHER COLL regarding an account they are reporting on my credit report. I cited violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), as I never received the required written notice of the debt within five ( 5 ) days of their initial communication. I also demanded they validate the debt and cease all collection activities, including reporting to credit bureaus, under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692c ( c ). They have failed to produce any validation, verification or chain of title including any assignments of this account. Please refer to the letter attached.
Product: Mortgage

I was given the clear to close for a specific date. At the time of the date and my arrival to the appointment I was told documents were not ready. I was promised by multiple people I would be receiving my keys at the appointment for signing. When all of a sudden was told that the seller was not going to give me the deed nor the keys at time of signing until they received their money. I have nothing to do with the title company holding the sellers money. The title company should be responsible for having my keys to hand over to me at closing. XXXX XXXX XXXX along with CLuismortgages , LLC
Product: Debt collection

I had a XXXX XXXXXXXX credit card and I opt in a program that if finical hardship happens that they will quit charging you and work with you to pay debt off that you have but they keep on charging me for late fees and payments they tried to take out my account that were reversed. And my credit was already hurt from them and I just got it back up and now the Midland debt collection company just added the same account back to my credit report and dropped me down to a whole different rating from fair to poor and I told XXXX XXXXXXXX multiple times that I opted in their program and after the balance reached the current amount did they stop charging me
Product: Debt collection

Midland Funding is still reporting to credit bureaus that 2 collections are not paid when they garnished my wages and were paid In full and the judgement was satisfied. I have disputed this information several times and they continue to report balance due.
Product: Credit reporting or other personal consumer reports

full validation of debt was not given. this should be removed from my XXXX credit report
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business freelancing since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 


For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified dispute letter mailed XXXX. Dispute letter received XXXX  Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the XXXX law violations of this third party agency
Product: Checking or savings account

I closed checking account in year 2022 due fraud while liVIN in XXXX  rapid while XXXX XXXX l apply for a loan over the phone. Then shortly after applying for loan 1 day later. The bank store branch bmo Manager contacted on the phone. He told me stated someone just tried to remove a large amount money usin. deposit check. Online service over the phone They caught it verified. account cause the person who tryied removed money. From overseas so this account was immediately closed .no money wasn't removed. Then the branch manager reopened me up with a different Different checking account. With restrictions. Statein l had to give a code inside bank. To receive any future transactions .Resently l tryied reopen checkin account been denied put XXXX system. and told l owed {$440.00} worth NSF. Fees. The banker also stated it was three account 's. Open in my name one had huge amounts nsf. With no history. Money bein paid out on this account. Advise me she would be contact me. To discuss .situation never repond. I tryed contactin Bmo there also unable to resolve this problem