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

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX ***, XXXX XXXX Account # 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

I am writing to the CFPB to make complaint about the reporting agency, XXXX. This is not a third party filing this complaint. 

The credit reporting agency, XXXX, has been furnishing false and unauthorized accounts on my credit report. XXXX is in violation of the Fair Credit Reporting Act ; 15 USC 1681 ( b ) Permissible Purpose of Consumer Reports ( a ) ( 2 ) which clearly states, A consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I, consumer and natural person, did not give any written instructions to XXXX to furnish these items on my account listed below. 

XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
XXXX MTR Account Number : XXXX Please ensure that all information is accurate XXXX. Remove the Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit card

On XX/XX/2023, I purchased a comprehensive " move-out cleaning '' package for my apartment and paid for the purchase using my Apple Card. Shortly after the job was " finished '' I inspected the quality of the service, and more than XXXX of the apartment was NOT cleaned or even touched. Immediately I contacted the company ( XXXX XXXX ) about my dissatisfaction, but they refused to offer monetary compensation. Following this, I initiated a dispute with Apple Card/Goldman Sach 's whom did not perform a thorough investigation into the matter.

I have several photos of the unclean apartment and eye witnesses including the landlord of the complex which can testify about the condition of the apartment. Unfortunately, it looks like Goldman did not look at the facts objectively given there is an overwhelming amount of material suggesting the apartment was not in fact cleaned to a reasonable satisfaction.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan from American Express at the end of XX/XX/2023. The monthly payments as indicated on the Truth in Lending disclosure are {$620.00}. My first payment was due on XX/XX/XXXX, and the amount indicated on the bill was {$790.00}. I contacted Amex twice in XXXX about the discrepancy. They indicated they were aware and would resolve it, and to pay the amount indicated on the truth in lending disclosure by the due date. They would resolve it and I would not be liable for any late fees. 

I made the payment for {$620.00} on XX/XX/XXXX as required. I have a late fee on my account of {$39.00} as well. I called Amex again this evening, and they still tell me they are aware of it and it will be resolved, but I have very little confidence in this. At this point, I am concerned about my account being reported as delinquent / late to the credit reporting agencies. I have called Amex XXXX times in XXXX weeks, each time being assured that they would resolve this discrepancy but there has been no progress. They are billing me more than agreed upon in the Truth in Lending statement and not offering a timely resolution. Thanks.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name :XX/XX/XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account Name XXXXXXXX XXXX Account Number XXXX Account Balance {$14000.00}. 15 USC & 1681n Civil liability for willful noncompliance, 15 USC & 1681o Civil liability for negligent noncompliance, 15 USC & 1681e Compliance procedures, In accordance with the Fair Credit Reporting Act, the list accounts has violated my federally protected consumer protection rights to my privacy and confidently under 15 USC 1681, 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 168 SECTION 604 A. STATES A CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1681C ( A ) ( 5 ). STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. 15 USC 1681C ( A ) ( 5 ) ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681S-2 ( A ) ( 1 ) PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAD REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit card

A Federal Government card should not show on my Credit Report ( s ). I handled this with Citi when it first happened and now this is reporting on all three bureaus and late on XXXX. The bureau even wrote a letter which I am attaching. 

Account XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a dispute to XXXX regarding an account that Bank of America is reporting on my credit report. The account was opened in XX/XX/XXXX, but the account does not show any payment history from XX/XX/XXXX through XX/XX/XXXX. 10 months of the payment history are missing and the account is incomplete. 

XXXX  responded to my dispute on XX/XX/XXXX and said the account was updated ; however, the account was no removed or corrected. The 10 months of payments are still missing from the account. This means Bank of America verified the incomplete information as accurate to XXXX. The FCRA requires Bank of America to correct or remove inaccurate or incomplete information from my credit report after I submit a dispute through the credit bureau. 

I'll also add that Bank of America has deleted the account from my XXXX, XXXX, and XXXX credit reports. I am unsure why they are verifying inaccurate and incomplete information to XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this XXXX  should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was led to believe that I could not receive a loan without signing up for an add-on product. I believe they added the products to paperwork without verbally informing me of the products were included or optional, a practice referred to internally as pre-packing. the amount was {$15000.00}
Product: Mortgage

The VA loan I took with XXXX XXXX was quickly sold to Newrez after closing. I have been in this building for 3 years having purchased a unit with a VA loan through XXXX which was transferred to XXXX XXXX. I sold that unit a purchased a larger one in the same building financed through XXXX Mortgage. After the loan was transferred Newrez notified me the HOA insurance was inadequate, it was fine for XXXX XXXX. Newrez is charging me for additional insurance which it seems I have no choice. According to the letter sent to me Newrez claims they don't have the documents proving insurance from the HOA but I have sent them documents and talked on the phone for a long time with their rep.
Product: Debt collection

A collection for Forest Collection was put on my credit report recently for {$610.00}. This is the first I have ever heard about this. Never received any notice in mail for debt owed. It shows debt was from XXXX  which was XXXX  years ago. Isn't there a statute on these things anyway? Regardless, I can't pay something I am not made aware of and I never was made aware and all the sudden it just shows up on my credit report.
Product: Credit reporting or other personal consumer reports

CLOSED XXXX Information is 7 years and 6 months old. Company still reporting collection after no validation and to after the 7 year mark
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to.

Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 

the only document i received from XXXX XXXX XXXX does not validate a debt. i have attached it to the complaint for the review of the CFPB. 

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT.

United States Court of Appeals, Ninth Circuit.

Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-
Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine
Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant.

Nos.04-35563, 04-35795.

Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.

Court of Appeals of Indiana. 

XX/XX/XXXX. 

Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant.

Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 



ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed to transunionXXXX  and XXXX asked for a verify/and or validate this alleged debt owed to XXXX. data also requested the contract and signature that I provided to XXXX. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 80XXXX ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Debt collection

I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX XXXX for the amount of {$4800.00}. 
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing XXXX XXXX XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.
Product: Mortgage

On XX/XX/2022 SPS Servicing received a payoff check in the amount {$14000.00}. They did not apply these funds to the loan to payoff the balance, they put the amount in an unapplied principle balance account. Several additional payments were made between XX/XX/XXXX and the month of XXXX before on XX/XX/2022 they applied the remaining balance in the account towards the loan, bringing the loan to a close. In XXXX of this year I received a letter stating that the loan was paid off in full and that a release of lien was sent to my county of residence. I sent a request to SPS customer service disputing the payoff process, that the funds should have been applied when received. It also stated all payments received after XX/XX/XXXX should be refunded. A letter dated XX/XX/XXXX with their response to my inquiry, which in essence stated that they processed the payment correctly and that there was nothing further that they could do. I also received a letter dated XX/XX/XXXX that stated that they were reversing the loan payoff amount that was received on XX/XX/XXXX, 3 months after they applied that same balance towards the remaining balance on the account. I believe that he payment reversal was done in retaliation of my complaining about this payoff process. As of today 's date, the mortgage is showing a balance of {$14000.00}. I have spent several months calling this company asking for help getting the mortgage paid off, I was given the runaround numerous times, and given misinformation which only prolonged this process, which is still not even completed.
Product: Credit reporting or other personal consumer reports

The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified US POSTAL mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XXXX XXXX 2020
Product: Money transfer, virtual currency, or money service

Hi there! 
Three unauthorized and unknown transactions-exactly same amount. 
I first contacted Cashapp about 2 months ago with a time of 30-45 to address. Since then repeated attempts with promises of problem escalation and other reminders to reimburse-nothing. Thanks!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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

I was in the process of refinancing my mortgage. 
I received a call from XXXX XXXX advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give XXXX XXXX permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.
Product: Vehicle loan or lease

I had a  XXXX   XXXX   XXXX   XXXX  with Exeter Finance Corp . I have had issues with the company from the start with their collection tactics as well as the predatory interest rate I had with them. I voluntarily surrendered the vehicle back in  XXXX   XXXX . On each occasion I contacted the company to make sure that this will show up on my credit as a voluntary surrender as well as contacted to see when they would pick up the vehicle. I havent heard anything else from the company since I had made initial contact. I checked my credit on  XX/XX/XXXX  and discovered I had a charge off from the company. I immediately contacted them by phone where I verified my current address twice with them. I asked them why they havent sent me any accounting of my account with them. They stated that they did and they received a return sender letter. They also stated that I didnt update them with an updated address even though I have had the same address since the beginning of the loan. I requested that they send a copy of the return sender letter for proof they did attempt to send me an explanation of proceeds in which they couldnt provide. It wa s one r epresentative that I spoke with that went as far as saying that the charge off was going to stay on my credit because I didnt comply! I never received anything from the company to comply with!  A manager at Exeter stated tha t I should dispute this issue directly with the credit reporting bureaus. The lack of assistance, unlawful reporting and unethical, deceptive practices by this company is extremely frustrating!