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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX XXXX XXXX and claims counsel of XXXX XXXX XXXX XXXX XXXX are a big fraud, Corrupt and a big liar. 

XXXX XXXX XXXX XXXX I recently made a complaint to the headquarters spoke to XXXX XXXX was told I did not have thr correct claim number and were corrected. 

I made complaint to the headquarters on Thursday spoke to XXXX XXXX and I told him I 've never received anything in writing from XXXX XXXX. He said that I have a claim open. HE CALLED XXXX XXXX AND TRANSFERRED ME, NO ANSWER. 

She immediately sent me an email lying in it. Of a response letter dated XXXX XXXX, XXXX just a XXXX XXXX. This is the first that I 've seen of the letter but she lies and says she is sending me the corrected letter from XXXX XXXX, XXXX no such letter is on my email returns. XXXX XXXX. 

At the top is the first time she has provided me the claim number in addition she put a fake consumer financial protection bureau number as cfpb # XXXX which would be XXXX/XXXX/XXXX proves the letter was back dated from at least that date. 

In the letter she continues to lie and are determined to claim 1. That XXXX is a mortgage broker company. 2.  That XXXX were my mortgage servicer and I got XXXX from XXXX. She absolutely will not mention 1. My mortgage servicer XXXX XXXX XXXX provided me a lien release. 2. I were victimized by XXXX and mers of mortgage deed fraud register XXXX/XXXX/XXXX. 

Please provide that letter to the consumer financial protection bureau for their review.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, I request validation of the debt you are attempting to collect. 

The account details are as follows : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX High Balance : {$0.00} Last Verified : Not specified Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Closed Date : Not specified Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : All Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the credit grantor. 
Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$4000.00} It is imperative that you provide validation of this debt as per my rights under the FDCPA and FCRA. Specifically, I request the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be advised that the reporting of unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as mandated by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate your timely response.
Product: Debt collection

I entered into a consumer credit transaction using my credit card as defined in 15 usc 1602 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved on the date of XX/XX/XXXX. The Credit cards that were used, were my Drivers license and Social security card. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance and Nissan Motor Acceptance Corporation made me purchase insurance separately. Nissan Motor Acceptance Corporation disclosed that it was a Truth in Lending Lender in the contract and failed to disclose to me and give me forms of my right to rescind pursuant to 15 usc 1635. On XX/XX/XXXX I noticed that my rights were being violated and sent through U.S postal Service Certified Mail Receipt an Affidavit of Truth that was notarized which was never rebutted, cease and desist and requested Validation of Debt in which I was given no reply or any documentation that I the consumer owe such alleged debt. Nissan Motor Acceptance Corporation sent an invoice on XX/XX/XXXX saying that I owe {$830.00} or they were going to do one or more of the following options if i did not pay on such alleged debt that has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong info can't update, online services never working.wrong balance which effects my score witch effects my ability to borrow
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies for failing to correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The issue concerns a XXXX XXXX  XXXX account that was charged off and sold to a debt collector. The collection agency failed to validate the debt, yet XXXX XXXX XXXXXXXX continues to report a balance on the account. According to the FCRA, information on my credit report must be accurate and not misleading ( 15 U.S.C. 1681e ( b ) ). Once the debt was sold, XXXX XXXX XXXXXXXX was required to update the account to show a {$0.00} balance. 

I have disputed this issue multiple times with the credit reporting agencies, but they have not corrected or removed the account as required by 15 U.S.C. 1681i ( a ). Their failure to investigate and resolve these disputes violates my rights under the FCRA.

Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$100.00} {$1000.00} for each violation. I request that this inaccurate account be deleted immediately, and I be compensated for the repeated failure to address my disputes. 

Thank you for addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting my banking private information to other 3rd third party companies without my written consent. They reported my nonpublic banking information to another company by the name of Chexsystems on XX/XX/. This insitution is violating my consumer rights under federal laws of the Fair Credit Reporting Act that their insitution is governed by.
Product: Credit reporting or other personal consumer reports

In XXXX I settled for less on an account and for XXXX they marked a delinquency for the account it is incorrect.
Product: Credit reporting or other personal consumer reports

I have sent this letter to the 3 major credit reporting agencies, and they have not abided by they laws and they are in direct violation of the law. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate.

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
List of accounts to be deleted Remove XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX The reporting of these accounts are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen some opened a business credit card on my name from Bank of America. 
Enclosed is a copy of my ftc identity theft report.
Product: Credit reporting or other personal consumer reports

Debt Recovery Solution, XXXX and XXXX has submitted a debt on my credit without my consent, according to XXXX5 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Checking or savings account

Ally bank refuses to transfer my money from the Ally savings account to my checking account. Even though, the checking account has been properly linked, their website does not allow me to initiate the transfer. Ally Bank refuses to service their customers with outrages wait times that nobody can afford. 
Ally Bank advertised to be easy to use, and available 24/7. This is false statement. They take money and then abuse their customer with hourlong wait times.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX  Dear XXXX XXXX XXXX , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Late Payments After Charge-Off ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/year>, meaning no further payments were due after that date. 
However, the credit report incorrectly reflects XXXX, XXXX, XXXX, XXXX, and XXXX late payments leading up to the charge-off, even though payments were recorded as made in earlier months. 
If the account was already charged off, it is factually inaccurate to report continuing missed payments. This misrepresentation violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account.

Failure to Accurately Reflect Account Payments ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history indicates that payments were scheduled, yet the account was still marked as increasingly delinquent. 
Payments of {$36.00}, {$26.00}, {$51.00}, and more were noted in the balance history, yet late payment markers were still applied. 
This contradiction suggests improper credit reporting, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and complete reporting of credit obligations.

Failure to Update Account Status Correctly ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is reported as charged off, yet the balance remains at {$120.00}, implying either continued accumulation of fees after charge-off or improper balance reporting. 
Credit reporting laws require that charge-offs be reported with a finalized balance, not one that continues to accrue inaccurately.

This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors ensure credit information is correctly furnished and updated.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies and incorrect balance updates violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Debt collection

Williams and Fudge Inc is attempting to collect an alleged debt on behalf of XXXX XXXX. Williams and Fudge Inc is a 3rd party debt collector. I have no written contract with Williams and Fudge nor any agreement with them to collect anything from me. I have never given written consent to Williams and Fudge Inc to have my personal information as this is identity theft. Williams and Fudge Inc are not legally licensed to even collect in the state of California per the NMLS consumer access site so not only are they illegally attempting to collect an alleged debt, but they are also illegally practicing without a license in California. They have reported this account on my credit reports without my written consent as well which is also illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint for Transunion Credit Reporting Service. I have a discharged mortgage account that just re-appeared on my Transunion credit report only. I filed Bankruptcy on XX/XX/XXXX with case # XXXX. The discharge was ordered on XX/XX/XXXX. The bankruptcy process was long however, I this account was included in bankruptcy for XXXX XXXX years. The other XXXX major credit reporting agencies { XXXX and/or XXXX ) are reporting the account as " Debt included in or discharged through bankruptcy XXXX XXXX '', or have been removed from my credit report. I am attaching a copy of my XXXX credit file showing the account in question. I have already tried to dispute this item however, it was not processed. I am attaching a copy of the dispute request for Transunion.
Product: Debt collection

Merchants ADJ Services has placed medical bills on my credit report. Some of these accounts I have no knowledge of and I didn't give anyone authorization to even send my information to a third party. I haven't seen any contract stating that I gave them authorization to send my information to a third party. This is against HIPAA Laws. This has caused me so much XXXX because I'm trying to buy a house.
Product: Credit reporting or other personal consumer reports

Call TransUnion ( XXXX ), XXXX ( 3 ) XXXX  ( 5 ) to have all inaccurate address to be removed, ( TransUnion every is reporting 2 addresses with 2 street names ) XXXX ( XXXX ) inaccurate names to be removed. ( I do not have a middle name ) all 3 are reporting different version of inaccurate addresses.

this is what my request was, I noticed youre reporting inaccurate personal information on my credit file, please review my request below. 
My only name is XXXX  Please delete any other names you are reporting. 
My only address is XXXX  Please delete previous addresses you are reporting as they are inaccurate. 

I was told that they can not be removed as some addresses are begin reported as accurate by creditors and can not be removed.
Product: Credit card or prepaid card

I opened a new account with XXXX/XXXX XXXX earlier this month. Mistakes were made and I believe they charged my Visa account incorrectly. We have two charges, one for a valid payment on account and another unauthorized charge that XXXX will not take responsibility for. They want me to declare it as fraudulent to my bank. That would require notifying several merchants that we do business with of the new card number to be issued. I am not prepared to concede that it is fraud, but an error on XXXX 's part. 
The charge lines are for two different merchant accounts, it appears. One is XXXX OH, the other is XXXX TX. I would like contact info for each or at least the TX merchant to allow me to straighten this out, hopefully without going through closing my account and opening a new one. 
XXXX and PNC Bank customer service reps are not being as helpful as I had hoped. Can you help with this? 
Charges made XX/XX/2019 XXXX XXXX OH for XXXX ok XX/XX/2019 XXXX XXXX XXXX TX for XXXX Wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX  acct # : XXXX Amount : {$580.00} XXXX XXXX acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to XXXX XXXX as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with XXXX XXXX as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XXXX and XXXX timeframe which I can prove is in error ( See attached highlighted documents ). 
I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XX/XX/XXXX of each month, with that being said my payments were made within the limit of the following due date before the XX/XX/XXXX of  the each of the reported late months as shown in the attached statements. Under the XXXX, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that XXXX XXXX is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX on the due date. My payments were made on the day before and before the XXXX window. 
Again, the reported late in XXXX and XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XXXX and XXXX which pushes me out to tolerated range of lender preference. 
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( XXXX, XXXX, and Equifax ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
Product: Credit card

I'm a XXXX XXXX. I ordered a hydrogen water bottle to help with XXXX ( chronic XXXX XXXX ) for {$100.00}. The bottle ended up being a defective bottle. I made a dispute with XXXX XXXX XXXX  credit card. They issued a temporary credit of {$100.00}. Which I didn't use. XXXX paid the {$100.00} in XXXX installments. That left my credit card balance of $ XXXX. I paid the balance of $ XXXX to being my credit card to a {$0.00} balance. 
Yesterday, XXXX XXXX XXXX  credit card charged me {$100.00}. 
I told them the company paid the money back. I don't owe you anything. You keep adding fees and interest to keep gauging money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX, XXXX XXXX XXXX and Sage Stream to mail me a complete copy of my free annual credit/consumer report.
Product: Debt collection

XXXX sent a letter trying to collect on a debt. On the letter they say they would report the debt but they are reporting the debt to the credit bureaus.