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

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX  Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX   Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX Circuit Court, Sept 2004.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, Experian or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED inquiries on my credit report that must removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS STELLANTIS Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete From My CREDIT REPORT 15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete From My CREDIT REPORT
Product: Debt collection

Portfolio Recovery is still reporting a collections account as opened. This was taken care of in the past as my other credit report shows and the XXXX credit bureau has removed the trade line completely. The balance is zero on the account yet it shows as the account is still open.
Product: Debt collection

On XX/XX/XXXX I was evaluating my credit report and I observed at collection that I am not responsible for. Its a medical collection from MEDICAL DATA SYSTEMS for XXXX. I have no knowledge of collection. My information is mostly like been compromised and I am a victim of idenity fraud. I am requesting that collection is removed from my credit report immediately so I can better qualify for new credit. Below is a copy of transaction from XXXX. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX FL XXXX XXXX FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Checking or savings account

I opened my account with Moneylion to set up direct deposit and take advantage of their pave the wage promotion. It required direct deposit within the month of XXXX which was made by my employer. Moneylion 's system does not differentiate between an ACH credit/transfer and a payroll deposit which caused their system not to recognize my direct deposits for 3 months now. They also offer a service called instacash where with payroll deposit you can get a payday advance of {$250.00} as long as your payroll deposits are {$250.00} or more. I have not been able to take advantage of this feature due to this issue and this is unfair as other customers have. Because of all the issues they are having they have removed this feature within the last 30 days to correct and relaunch. I have chatted when that was an available option, emailed and spoken to their agents over the phone for over 2 weeks with no resolution. I am also unable to contact my financial institution immediately in the event of fraud or lost/stolen cards. I submitted that as a problem as well two weeks ago with zero resolution. I spoke with XXXX in the complaints department ticket XXXX and sent screenshots showing I had no option to report my card lost/stolen immediately. On XX/XX/15 there was an issue with debit cards and they do not have an instant transfer option so I was unable to withdraw funds or transfer them to my XXXX account in order to avoid overdraft charges and Moneylion is unwilling to refund those fees they caused. The only option was ACH transfer which they claim is 1-2 business days. With any issue on my account I have to submit a help ticket and wait 48 hours for a response only to have to set up a callback for the next day. They have escalated my issue multiple times with zero resolution. I transferred funds again on Friday and they were not placed in my account until today. I am very displeased with the lack of service provided by this financial institution. I also am unable to see my statements online due to an error in the app and there is no running balance.
Product: Checking or savings account

On XX/XX/year>, i discovered that over the course of two months, a total of XXXX dollars was removed from my checking account. My bank record says that my debit card was used to withdraw XXXX dollars XXXX times at a gas station. I filed a claim with my Bank Wells Fargo to invesigate the claim and have the money returned to me. The Claim number is # XXXX. When calling to check on the claim, they said that my debit card was swiped and that the transactions were legitimate. However these debit card transactions can be faked. 

They sent me a letter saying that these transactions were authorized and that there was no error.
Product: Mortgage

In XXXX we obtained a mortgage from XXXX XXXX XXXX XXXX in XXXX, North Carolina. This mortgage was then sold to a company call XXXX without any notice to us. One day I walked into what I thought was XXXX XXXX XXXX XXXX to pay on the account and was saw some letterhead that said XXXX I asked the receptionist if the name of the business had changed. She replied that the business had been sold. In XXXX of XXXX I again went into XXXX to pay on the loan I was told that the loan was had been sold to another company and that I could no longer make payments at that office. I asked where I should send the payment and I was told that we would receive a letter with all the payment information. I did not receive any information in XXXX so I went back to XXXX in XXXX XXXX and informed them that I had not received any information regarding where I should send the payments. I was given a slip of paper with the name Nationstar with a telephone number and account number. I called the number and only got voice mail. Left a message and they never returned my call after about a week I went on the internet and when I researched Nationstar and the information can back to XXXX XXXX. I again went back to XXXX and again I was told that they could not accept the payment because the loan had been sold.. This back and forth continued and we never received any payment information. On XXXX XXXX, XXXX we received a letter from the law firm of XXXX XXXX indicting that Nationstar had retained their firm to initiate foreclosure proceedings because the loan was in default. We immediately contacted the law firm and was directed back to Nationstar. We immediately contacted Nationstar and tried to clear up the matter. I had been keeping the payments and was prepared to make them but Nationstar had added fees and demanded that we make thepayments as well as the additional fee and charges they had added because the payments had not been made. We explained that we did not know where to send the payments because we had never been contacted by Nationstar and given the information we needed to make the payments. We also believed that the interest rate had been changed. We requested the payment records and the promissory note and a payoff statement because we located a buyer who wanted to bring the loan current and maintain the loan for several months to obtain financing. Nationstar refused to provide the requested information and thus prevented us from being able to sell the property. When we called Nationstar we had to leave our name and the loan number if any other information was left the phone call would not be returned. They would then call back in three or four days and leave a message that they had called, an the process would begin all over again. This went on for months. In XXXX of XXXX a foreclosure action was filed and a hearing was set for XXXX XXXX, XXXX. We have requested documentation of payment history and promissory note and nothing has been provided. We need this information in order to defend this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX and XXXX XXXX XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have, many times, sent dispute letters to both Macys and Credit Bureaus requesting the correction of their inaccurate late reporting on my account. They have not done anything. Even when I engaged CFPB, they do not care. Attached is my complaint, Macy 's response and the proofs of payments I made in those " Lates '' mark that they claim I am late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 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 XXXX XXXX XXXX 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 Report act XXXX XXXX XXXX  XXXX XXXX # XXXX, Collections : XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Exercising in good faith a right under the Consumer Credit Protection Act, I called XXXX XXXX on XX/XX/21 to get clarity as to why my account was closed, and the dispute team, fraud department, and management could not give me a direct answer but only what may have been the reason. XXXX XXXX 's reasoning was that payments were coming back or that I was having trouble with them or I might be having some trouble with another financial institution as to why the account was permanently closed which is incorrect. Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) You shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights, and this is exactly what XXXX XXXX did. I was simply exercising my right as a consumer/natural person concerning an alleged debt. I realized this was a consumer credit transaction pursuant to federal law 15 USC 1602, and I was only extending my credit to XXXX XXXX. I should not have to pay on credit I extended as a natural person. 
Because of this XXXX XXXX  closed out my account without any proof as to why. My score has dropped dramatically and I'm being denied the opportunity to buy a home because of it. My character, reputation, creditworthiness, and credit capacity is being tarnished.
Product: Checking or savings account

On XX/XX/XXXX, I was out of state and wanting to use my card through XXXX XXXX to make a payment for parking. I tried to send payment through and it would not process. My sister attempted the same and could not successfully process a payment either. She proceeded to use a XXXX card to complete payment. We thought it was a fluke, went to another store and had the same experience, I ended up using a card I had with another bank. The store clerk told me that other Regions Bank customers were having that same issue that day. Had she not shared that anecdote, I would have had no clue about what was going on. Money was in my account but I could not use it. I filed a complaint with Regions XX/XX/XXXX and still have not not received follow up. I called the customer support line and am having a hard time getting through to a person to follow up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cain & Weiner sent me a letter full of FCDA and FCRA violations after I sent them a cease and desist letter and affidavit telling them to remove all things off of my credit report. They caused defamation of my character, destroyed my reputation by submitting data on my consumer report without my consent which they stated in there letter. And stated they were attempting to collect a debt even after they deleted there reports. They admitted to there wrong doing and agreed they were in the wrong to all forms I submitted to there company. And it caused me to miss out on a lot of opportunities such as car loans, house opportunities etc. due to there mistakes. I am seeking Remedy of XXXX per violation with a total of XXXX and XXXX for assessed damages of emotional stress, defamation of character and unseen injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Avant in the past concerning the accuracy of the information that they was provided to XXXX XXXX and XXXX. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted Avant to validate this account via certified mail. Avant recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. Avant provided me with a document that clearly shows no signature Avant violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. Avant has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, after receiving notification of a person fraudulently applying for a credit card using my information, I placed a fraud alert on my credit with XXXX, XXXX, and XXXX. On XX/XX/XXXX or XX/XX/XXXX, ACE Cash Express granted a fraudulent payday loan to a person using my name, date of birth, and social security number. The funds, more than {$2500.00}, were deposited into someone else 's bank account. The fraudster used their own bank account number, home address, and driver 's license. The customer service representative stated that the loan did not go through the usual verification process before it was transferred to the thief 's bank account.
Product: Debt collection

I have repeatedly requested detailed transaction history of the debt that Portfolio Recovery says that I have, they just plain don't respond. I believe there are inaccuracies. This is causing great harm to my credit profile. I never received any validation, nor any type of my right to dispute.
Product: Mortgage

Us banks actions were never addressed. The company failed to answer my concerns about tax payments that were not due. Us bank continues to disregard the information submitted by Us banks tax processor ; XXXX XXXX XX/XX/XXXX. The last document sent by Us bank states the document from XXXX XXXX has been purged from their systems. My question remains unanswered ; Us bank molested my accounts to recover funds that were not due. Now the banks claims this document from XXXX XXXX has been purged from their files. I have supplied the bank with a copy of this document several times over the past 3.5 years. The response us bank sent ; does not address their actions on XX/XX/XXXX when funds were paid to the county. These funds include us bank payments for taxes that us bank has no lien against. 
This issue has been discussed by phone, us mail, e mail since XX/XX/XXXX. Still waiting for an answer.