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

In accordance with the Fair Credit Report Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, to reinvestigate the XXXX, XXXX & XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage payment was wrongly sent to another account by my XXXX XXXX, because of This wrong transaction Ive got reported to XXXX, XXXX and Experian credit bureaus. In order to solve issue I certified mailed, my Bank statements, proof of payments where clearly shown, on time payments and dates of transactions I did emailed to XXXX, XXXX & Exprian. Both XXXX & XXXXcredit bureaus were accepted legal docs and cleared reports of my credit history. The only who doesnt want to help its consumer is EXPERIAN. I am having a really though time to explain them. Please help me to solve this issue with Experian credit bureau. Thank You
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I borrowed XXXX from Advance Financial. The first payment was reasonable at XXXX but the payment scale soon went to XXXX a month. XXXX was interest due. My principal is still at XXXX. But the interest is XXXX. I have talked to company representatives about the monthly payments that I just can not pay. Although they have accepted the smaller payments, this is only going to interest which is at 360 %. On XX/XX/XXXX, Instead of taking XXXX out of my account, this company took XXXX without my authorization. Even though I am disputing this it still left me without any funds for the next two weeks. Had I known what type of underhanded practices they have for interest and that they can change your payments at will, I would have never ever bothered this company. I will pay the money I owe going a different route but XXXX for interest is robbery. Please see if anything can be done about these exorbitant rates, and how they can go into an account that they were not authorized to use, take whatever amount they want and get away with this.
Product: Debt collection

I had a payday load with ACE Cash Express in XX/XX/XXXX. It appeared to come out of my back account on XX/XX/XXXX, but was apparently rejected. When I called the company to confirm they had been paid in full, they looked up my account and confirmed it to be paid in full. Today, XX/XX/XXXX, I received a call from a man named XXXX XXXX stating that he was a process server and that I needed to call XXXX immediately to stop a court filing that was going to happen XX/XX/XXXX. When I called the number, no one answered. I got a call back from XXXX with a person names XXXX who stated she was a mediator and that ACE had turned over the item to them to collect and they would be filing criminal and civil charges, having someone notify my employer, take my car and my house, and suspend my drivers license until I paid them in full. They said my original debt was {$1600.00}, but that I owed them {$2800.00} including collection fees and attorney costs. I did go back and look through bank records and do apparently owe the {$1600.00}, which I immediately made arrangements to pay. However, I did not agree to pay collection fees and did not appreciate being threatened with arrest.
Product: Credit reporting or other personal consumer reports

AmeriFinancial Solutions LLC Subject : Second Request for Debt Validation and Notice of Identity Theft Affidavit To Whom It May Concern : I am writing to formally request that AmeriFinancial Solutions LLC validate the alleged debt reported in my name. This is my second request for validation of this debt, and I expect full compliance with federal laws, specifically the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1692g and relevant sections of the FCRA, I am entitled to request documentation that proves the validity of this debt, including any signed contracts or agreements that legally obligate me to repay this alleged debt.

1. Request for Validation of Debt Please provide : Documentation proving that I owe this debt, including original signed agreements with either AmeriFinancial Solutions LLC or the original creditor. 
A full accounting of the debt, including the principal, interest, fees, and any other charges. 
Verification that you are legally entitled to collect this debt in my state.

Without such documentation, under FCRA 15 U.S.C. 1681, any item related to this alleged debt must be removed from my credit report. In cases where documentation can not be provided, courts have ruled in favor of the consumer, holding that lack of evidence invalidates the debt ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ). 

XXXX. Identity Theft Notification I have reason to believe that this debt is the result of identity theft. Enclosed with this letter is an identity theft affidavit filed with the Federal Trade Commission ( FTC ). Under the FCRA, specifically 15 U.S.C. 1681c-2, upon receipt of this affidavit, you must stop reporting this account to the credit bureaus within four days. Any failure to comply with this legal requirement may constitute a violation of my rights under the FCRA, subjecting AmeriFinancial Solutions LLC to possible legal action for damages as specified under 15 U.S.C. 1681n and 1681o. 

Please be advised that continuing to report this debt after receiving this identity theft affidavit may also lead to additional claims, as supported in XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court affirmed a consumer 's right to take action against agencies that fail to comply with FCRA regulations. Similarly, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), reinforced that credit agencies must take reasonable measures to ensure the accuracy of reported information, particularly in cases involving fraud or identity theft. 

XXXX. Demand for Deletion if Validation And Deletion Please provide me with documentation proving that this debt is mine and delete and or remove the account called Amerifinancial Solutions from my credit report immediately. If you fail to comply with any or all of these requests then I may be forced to take legal action against your company to get the matter resolved which includes having this fraudulent account removed from my credit report.
Product: Credit card or prepaid card

On XXXX someone was able to access my AMEX online account to take my bank information off and add theirs instead. They had a totally different name and bank information from me as well. The person on the account has a womans name, which I am not. I have never seen or heard of this person or bank ( which I later found out was a XXXX XXXX  account ) before. This person tried to make payments in the amounts of {$1200.00}, {$340.00}, {$300.00} and {$17.00}. Because they did not go through AMEX hit me with 4 returned payment fees. I only found all this out days later when I accessed my account. I reported the fraud to AMEX and was told not to worry about the payments as they did not go through but that they were unable to reverse these fees as my bank needs to do that. This was NOT my bank. I even called this bank and verified that I do not have an account there in case someone was also trying to impersonate me. I asked them for more information on this account and person and I was told they could not give me that information as they had to protect their customer. I have the name and partial account number as shown on my online amex account much to my surprise when I logged in. I have changed my password, received a new card and put MY bank back on there since but as these payments were obviously not me I do not know why AMEX will not reverse these fees totaling {$110.00}. I have called there multiple times and have gotten no resolution as of yet. This has been going on for a month now.
Product: Mortgage

I sold a VA backed property in XX/XX/XXXX, Selene finance has held the money I am due from a mortgage insurance reimbursement since XX/XX/XXXX, according to 12 CFR part 1024 ( Regulation X ) 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and XXXX XXXX of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

it has been approx. 65 days. I have contacted the company over 13 times. and still have not received my check. with no solutions, this is a direct violation of the above federal regulation/law.
Product: Debt collection

Midland Funding LLC has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.
Product: Debt collection

I got a letter in the mail XXXX. from Calvary Portfolio Services stating that they purchased my debt account from XXXX XXXX and are now the owners. Since then they have called me repeatedly ( sometimes once a minute for XXXX mins ). they have called my girlfriend, a past Employer of mine who called me to let me know a " Private Investigator '' was looking for me, and today called my brother ( immediately after calling me and leaving the voicemail below ) with the following conversation : " Is XXXX there? Is this XXXX Where is XXXX XXXX ". My brothers phone number was NEVER listed on any appliaction of mine anywhere which led me to believe that they found his name and number illegally. This is the phone call I received at about XXXX from " Unknown Caller '' which I did not answer. This is the Voicemail left : " Yes, Uhm Good Afternoon, my name is XXXX XXXX , Im a Private Processor with the County Serving Courts, and this is a request to serve you a summons regarding a lawsuit that is being filed against you at this time. Now, the firm that has filed the suit against you has asked me to provide you with a courtesy call with their contact info meaning, if you have any questions or concerns regarding this matter, please contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. When calling please refer to your case number which follows as : ( random numbers-CV ), thank you ''. I recognized what was going on when he gave me the phone number to call for that " XXXX something XXXX XXXX ''. That number is the phone number for XXXX XXXX XXXX, a debt collector.
Product: Debt collection

A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. 
I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. 
I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. 
I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. 
XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to Transunion regarding inquiries which are fraudulent. 

The following inquires are not tied to mine and should removed off my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previous Truist account I left on good standing. I went to branch to close account with zero balance, months later I was told account was still open without my acknowledgment and I had a XXXX charge which I didnt made which accumulated interest which caused my account to charge off. This is not fair I paid the company XXXX to be in good standing to later find out Im being penalized for something that wasnt my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( 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 Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I had fraudulent charges that were acknowledged by Paypal and XXXX XXXX. In the ammounts of. 

XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} When I originally reported the money being withdrawn from my XXXX XXXX checking account from paypal. I notified Paypal and they assured me the fraudulent charges would be reversed. The last 2 {$1000.00} charges were still pending when I made the report. These funds were reversed. It was noted by the paypal employee that I had nothing to worry about and the remaining {$3000.00} would be reimbursed even though the funds had already been fraudulently withdrawn from XXXX XXXX. Paypal continues pestering me and claiming that I was reimbursed twice and they want the {$3000.00} back. I have provided bank statements as requested and also called them 3 way with my bank to notify them that I was not reimbursed twice.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the NC XXXX prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The credit union has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I have noticed CAPITAL ONE CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The account was already closed and paid off in XX/XX/2018. 

I called the company so that they would fix it, but the amount is still in my credit as if I haven't paid it yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rest in, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Hard inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Civil Liability for Negligence and Noncompliance under FCRA Section 1681 ( o ) Dear [ Recipient 's Name ], I am writing to formally dispute the matter of civil liability for negligence and noncompliance under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) that has been attributed to me. I believe that I have been wrongfully impacted by the actions outlined in the FCRA, and I am requesting immediate action to rectify this matter.

Under section 1681 ( o ) of the FCRA, any party that fails to comply with the requirements set forth in the Act and causes damage due to negligence or willful noncompliance may be held liable for civil damages. I have reviewed my case and believe that your actions have violated the provisions of the FCRA. Specifically, the following issues need to be addressed : 1. Negligence in Compliance with FCRA Standards : failure to correct inaccurate information, failure to investigate disputes within the legally required time.

2. Impact of Noncompliance : Incorrect credit information may have harmed your credit score, caused financial harm, & led to wrongful denial of credit.

As per section 1681 ( o ), I am requesting that you immediately : 1. Correct the inaccurate information or take action to ensure compliance with the FCRA.

2. Provide me with an explanation and evidence of the steps you are taking to comply with the law.

3. Compensate me for any damages or harm that has resulted from your failure to adhere to FCRA requirements, as prescribed in section 1681 ( o ).

Please confirm receipt of this letter and provide an update on the steps you will be taking to resolve this matter. I expect a response within the legally required 30-day period, as stipulated by the FCRA.

Thank you for your prompt attention to this serious matter. Should you need further information or documentation to assist in your investigation or resolution, feel free to contact me directly. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I feel what has happened is when they put it into their computer they used the same reference number each one for {$5000.00} not seeing their mistake they billed me twice they billed me on XX/XX/2022 and then again on XX/XX/2022 by using the same reference number and dates to come up with this {$10000.00}
Product: Credit reporting or other personal consumer reports

I requested a XXXX  be removed from my credit reporr as it was being reported incorrectly. I asked where they got the information being reported and they replied with a letter of the third party company they use to report information. The company was XXXX XXXX. I wrote in to XXXX XXXX to dispute the incorrect information. They replied with a letter informing me that the bankruptcy is inverifiable. I submitted this letter along with indentifying documents to XXXX to remove this unverifiable information off of my credit report. They responded back in less than 30 days saying it was verified and remains on my credit report.