23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Child Support SER Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX XXXX Bank XXXX Account # : XXXX XXXX XXXX A Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Tennessee Dept. of H Account # : XXXX US Department of ED Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 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: Debt collection

The following accounts do not belong to me. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX card services-XXXX I also did not authorize any of the following inquiries. 
XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card service- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.
Product: Money transfer, virtual currency, or money service

my account is listed under XXXX It has a negative XXXX balance There is no transaction that matches this balance. 

I am disputing this is fraud I tried to call and I get referred to debt collector who also can not provide transaction detail Unless you can provide detail I want this credited and any negative credit reporting removed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the following collection account that appears on my Experian credit report : Creditor : XXXX XXXX Account Number : XXXX Amount : {$1100.00} Basis of My Dispute : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am requesting that Experian investigate this account for accuracy, completeness, and verifiability. If this account can not be fully verified with documented evidence from the original creditor, it must be deleted from my credit report immediately.

Additionally, I am invoking my consumer rights under FCRA 15 U.S. Code 1681b and 15 U.S. Code 1681s-2 ( b ), which require : Proper Investigation : The credit bureau must conduct a reasonable investigation and provide evidence that the debt is accurate, complete, and lawfully reported.

Verification of the Debt : The furnisher ( XXXX XXXX ) must provide original documentation proving that this account belongs to me and is legally valid. 
Removal of Unverified Information : If Experian can not verify the accuracy of this account within 15 days, it must be permanently removed from my credit file as required under FCRA law. 

My Legal Rights Under the FCRA & FDCPA : 15 U.S. Code 1681e ( b ) Credit bureaus must maintain maximum possible accuracy in reporting consumer data. If any inaccuracies exist, the account must be removed.

15 U.S. Code 1681i If an account is disputed, the bureau must investigate and either verify it or delete it.

15 U.S. Code 1681s-2 ( b ) The furnisher ( XXXX XXXX ) must provide full validation or request Experian to remove the account.

15 U.S. Code 1692g A debt collector must provide proper validation, including a signed contract, itemized statements, and proof of ownership. 

Demand for Deletion : If XXXX XXXX fails to provide verifiable proof that this debt is mineincluding a wet-ink signature contract, itemized billing statements, and a breakdown of all chargesI demand that this account be deleted from my Experian credit report immediately under the FCRA and FDCPA regulations. 

Please conduct a full investigation and provide documentation verifying this account within 15 days. 
If you can not verify the debt, remove this account immediately. 
Provide me with a written confirmation of the deletion upon completion of your investigation. 
Failure to comply with the FCRA and FDCPA will result in formal legal action and complaints being filed with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
This letter serves as formal notice of my dispute. I expect your prompt compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. Filed initial FTC Report XX/XX/21. Requested directly disputed id theft info deleted and/or blocked. 
II. CRA XXXX refuses to abide by the intent and meaning of the statute and is perpetuating hardship with continued new reportings of past due amounts provided by XXXX XXXX. This is re-aging and against the standards as defined. 
III. I fully intend to pursue litigation 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 continued willful and negligent noncompliance. 

IV. Please investigate & escalate non-compliance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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
Product: Credit reporting or other personal consumer reports

From : XXXXXXXX XXXX XXXXXXXX, Consumer XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  Hello XXXX I am writing this complaint because EQUIFAX INFORMATION SERVICES LLC , or " Equifax '' continues to furnish and disclose inaccurate, inequitable negative accounts onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. This information has been disputed time again, which has resulted in both the closure and removal of this, " XXXX '' account. Equifax has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer, who has informed Equifax multiple times that this information is inaccurate, inequitable, negative and needs to be deleted. Every time, Equifax has shown blatant disregard and negligence, both willful and negligently. This can all be displayed in CFPB Complaints : XXXX XXXX 

Equifax has violated the Following : XXXX. Fair Credit Reporting Act ( FCRA ) The FCRA is a federal law that regulates the accuracy and privacy of information on consumer credit reports. Under the FCRA : Duty of Accuracy : Credit reporting agencies like Equifax must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Consumer Disputes : Consumers have the right to dispute inaccurate information, and the agency must investigate the dispute ( 15 U.S.C. 1681i ). They must correct or remove any inaccurate or unverifiable information within 30 days.

Reinvestigation Obligation : If you notify the credit reporting agency of a dispute, it must investigate the accuracy and completeness of the disputed item. If its found to be inaccurate, it must be corrected or deleted ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). Equifax reinserted a deleted account back onto the Consumer report of XXXX XXXX XXXX, Consumer, without notifying said Consumer. This is a violation of 15 U.S.C 1681i ( a ) ( 5 ) ( B ). Please see, " XXXX XXXX XXXX XXXX ( XXXX ) '', " XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Credit Information Services , IncXXXX ( XXXX ) '', and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The most recent CFPB Complaint which was filed : XXXX XXXX  and sent to Equifax the same day, Equifax was in response of this complaint as of XX/XX/XXXX. However, Equifax responded to the complaint on XXXX Well after 30 days of the Notice. This is outside of the ( 30 ) days allowed for a reasonable reinvestigation period. Please see : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax ( XXXXXXXX XXXX XXXX
Product: Debt collection

Per the letter I received from XXXX if I didn't pay my final bill they would automatically withdraw {$600.00} out of my account. They withdrew {$600.00} on XX/XX/2018 from my credit card. I am disputing the posting of the collection account on my credit report by XXXX XXXX. I would like for them to remove this account from my credit report due to the fact they had no legal reason to report the debt nor did they own the debit and the debt was paid to the original creditor ( XXXX ).
Product: Consumer Loan

On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ...
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX is reporting incorrect information listed on the account XXXX it has several inconsistencies which means this account has not been properly validated or verified. An account can not report 3 different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to Equifax XXXX XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard Inquiries Were NOT Authorized : XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up.
Product: Payday loan

I feel that the interest charged on my account is incorrect because although I make payment outside of my normal due date, it takes DAYS to be credited and interest is charged during this time. As a result of this, I tried to pay my account in full using a credit card because it is supposed to be posted the same day. When I enter my card information, I receive an error and told to call a number. I called the number several times and it is an automated loop. I called another number which is for " alternate ways to make payment '', I am kept on hold for unreasonable amounts of time. I just want to pay this account off and be done.
Product: Mortgage

I took out a loan in XXXX with Washington Mutual for {$780000.00}. I feel it was a predatory loan where I had a negative amortization payment before I had financial hardship and filed for Bankrucpty in XXXX. I have been trying to obtain a loan Modification ever since. I have been denied and have a sale date on my house for XXXX XXXX, XXXX. I feel that the their may be XXXX or more of the following violations : VIOLATION OF TRUTH-IN-LENDING ACT ( XXXX XXXX XXXX ETC ) VIOLATION OF XXXX WALL STREET REFORM AND CONSUMER PROTECTION ACT ( Pub.L. XXXX ) IMPROPER SECURITIZATION AND TRANSFER OF LOAN : Fraudulent concealment and violation of lender 's own underwriting guidelines. 
Violations of the Real Estate Settlement Procedure Act ( RESPA ). 
Systematic creation of false and inflated appraisals encouraging borrower ( s ) to commit to the loan under false pretenses. 
Fraudulent endorsement and falsified disclosures prior to commitment. 
Fraudulent endorsement and/or transfer by XXXX 
Beneficiary process, rights to foreclose, robo-signing documents. 
Phantom investors and signing beneficiaries. 
FAILURE TO MODIFY LOAN TERMS UNDER FEDERAL QUALIFYING GUIDELINES.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and inquiries that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention for removal : 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 

I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay.

Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report.

Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Mortgage

I received a letter from Ocwen loan servicing LLC stating the service transfer was being changed over to a new company called XXXX XXXX. The letter says Ocwen will stop accepting payments received after the date of XXXX/XXXX/16. After this date XXXX will be taking the payments starting XXXX/XXXX/16. If the monthly payments are currently being drafted by Ocwen the service will be discontinued at this time. However I have XXXX issues. First off an automatic payment was taken out of my bank account on XXXX/XXXX/16 in the amount of XXXX. I was told my payment was n't due til XXXX/XXXX/16. However it was taken out on XXXX/XXXX/16 and another will be taken out of my bank on XXXX/XXXX/16. My bank informed me that I can not stop the payments on there end. But Ocwen says it should of been discontinued as of XXXX/XXXX/16. XXXX does n't have any record of my loan information. So where is the XXXX that is being automatically withdrawn going. I want the funds back in my account and the service stopped so that I can make my house payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft.I 've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 


Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.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. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I bought a XXXX XXXX XXXX in XXXX from US Auto Finance. Due to non payment they repossessed the car in XXXX. They are still charging me for the car even though they took the car. Since they have the car they should not be charging for the car. When I contacted them in XXXX and asked to use the XXXXs Civil Relief Act and have old fees and charges removed they told me the XXXX did not apply to charged off cars that have been sold and that I needed to pay them.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Therefore, I respectfully ask that it be promptly removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Fri, XXXX XXXX, XXXX XXXX  ( 7 days ago ) to me paypal Dear n/a, Congratulations! Your withdrawal limit has now been lifted. You can now withdraw unlimited funds from your PayPal account. 


Yours sincerely, PayPal