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

I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion : XXXX XXXX 7 late payments XXXX XXXX XXXX XXXX 13 potentially negative months XXXX XXXX XXXX  17potentially negative months XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX5 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA.

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 

Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies. 

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.
Product: Credit card

I have a past due balance due on my Kohl 's charge account. I made payment arrangements, and after I made these arrangements, they still have me on their automatic dialer system. They called me 2 different days, even after I told them to stop calling my cell because I already made arrangements, and that I was getting annoyed by these calls.
Product: Vehicle loan or lease

I submitted a payment for a normal installment of my loan after the grace period but within 30 days. I was under the assumption that I had made the payment, albeit late, but within the 30 day time after which I would be reported to credit bureaus for a late payment. I assume there was a bookkeeping/technical malfunction, as the payment did not process. I am worried that I will stand to have my credit severely affected by this. I have never had a +30 day late payment on any of my accounts before and want to have this one forgiven/forgotten if possible. 

I want to do everything I can to avoid that late payment and the chances that it may occur again. I have registered in auto-pay with the loaner going forward and called the company  to 1 ) pay both payments for the account XXXX and XXXX payments for 2020 ) and 2 ) see if this instance would be reported The representative from Fifth Third Bank referred me to the FTC.
Product: Credit reporting or other personal consumer reports

These collection accounts were posted back on my credit report even after these debts were sold to another collection agency under 15 USC 1692 I submitted disputes to XXXX, Transunion and XXXX. 30 days has passed since I disputed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Plus is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove the account as other creditors involved have already done which has lowered my credit score by over 200 points. 

Freedom Plus can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by XXXX XXXX code. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
Product: Bank account or service

BBVA Compass Bank received a substantial deposit from us on XX/XX/2016. As customary, they released a very small amount immediately, then a larger amount 2 days later and the balance ( majority of check ) was to be released XX/XX/2016. The first and second amounts have been allocated to us but now they are not releasing the majority as promised. Mind you, this is not a fraudulent or bogus check. It was from one of the top XXXX companies in the world.
Product: Credit reporting or other personal consumer reports

ON Equifax It is reporting that I made a payment to XXXX XXXX XXXX in XXXX. That is false information. Therefore this entire credit report is wrong. No payment was made after XXXX of XXXX. On the report, it also says I was in good standing in XX/XX/XXXX and XXXX XXXX but in XX/XX/XXXX I was 60 days past due. The entire report is wrong. It's also saying I made all payments on time in XXXX & XXXX. That is also incorrect because I was sick and missed a lot of payments, which resulted in repossession, but I got the vehicle back. I want this entire entry on my credit removed since it has falsified information. This is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. I am including how it is reporting on my credit on Equifax XX/XX/XXXX {$6600.00} Closed Overview You have 0 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Redeemed Or Reinstated Repossession Times XX/XX/XXXX Days Late XXXX Month 's Reviewed 0 Terms Count 0 Term Source Type High Balance High Credit Monthly Payment {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 90 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paid on time XXXX XXXX  days past due XXXX XXXX  days past due XXXX XXXX  days past due XXXXXXXX XXXX days past due XXXXXXXX XXXX days past due XXXX Bankruptcy XXXX Repossession or foreclosure CC Collection or charge off VS Voluntary surrender XXXX No data available Creditor information XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   ; XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did and investigation on my credit report which caused me XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct under 14 U.S Code 1681e ( 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. 

I know that Under 15 U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 investigation and promptly notify the information that the information has been modified or deleted from the file of the consumer. If y are unable to provide me a copy of the verifiable information within 15 days after your investigation you must remove the accounts and the information listed below and they have not gotten back to me or removed the accounts
Product: Credit card or prepaid card

Wells Fargo Bilt credit card opened in my name online somehow got all my personal info address, ss number, phone
Product: Mortgage

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over XXXX years ( XXXX months ) given this can be done. This is not yet done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2023 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX  XX/XX/2023 - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/2023 - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/2023 - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Product: Debt collection

I paid off my phone and brought in my own phone to the account, I do not owe for the phone. I contacted XXXX multiple times and was told The issue was resolved but the have me in collections. I do not owe this debt. I dont own this debt collector an I did not have a contract with this company. This account was sold without my promission. No written off debt should be reported to my credit report. No 1099c was sent.
Product: Credit card or prepaid card

On XXXX XXXX a charge was allowed to be made to My credit card company when the names did not match and nor has a charge of that dollar amount have EVER been Made in the XXXX yrs that Ive been a customer of capital one. I disputed the charge and capital one is backing the merchant instead of my their customer. Ive tried to no avail to resolve this matter and I NEED assistance ASAP please?
Product: Mortgage

The mortgage company, in order to modify my current mortgage, refused to change items in the disclosure statement ( i.e. year of original loan origination, year home was built, remaining balance of original loan, name of applicant ) prior to electronically signing documents. Then I receive an email thanking me for signing the documents when I had not- even refused to- signed said documents. I contacted the agent XXXX XXXX XXXX XXXX via his direct line and the agent stated that he had sent the email in order to be proactive in getting the documents needed to finalize the loan process, providing that I sign the documents. He wanted the information in order to have it on hand when the underwriters asked for it. At the end of the conversation he also stated that the offer at the rate quoted would more than likely be no longer valid after the first business day of the month. I felt that he was attempting to coerce me into signing the documents prior to them being changed. I withdrew from any further actions concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Product: Mortgage

chase bank sends individuals over to my house every month with a letter stating its personal and confidential. The person who came to my home on XXXX XXXX, 2016 between the ours of XXXX and XXXX did not keep it person al and confidential. The man who walked up to me in my driveway in front of friends and family members asked if I was familiar with chase bank and I stated yes, he told me he had been to my home many times, I tried to get the letter he had for me since I was familiar with the routine, he told me to " wait, wait, hold on, '' he again stated that he had been to my home many times and I just wanted him to give me my letter to avoid further embarrassment. He took his time as I took the letter from his had and walked away and got into my vehicle and he sat in his car blocking my driveway taking pictures of my home as he sat in his car blocking my driveway, I got off my car and asked him to move out of the way. The people at my home told me he remained outside the home taking pictures after I left. This is a form of harassment and not assistance as the letter he delivers stated. I did email chase 's executive offices and asked that they stop harassing me any further and keep this man away from me. They initially tried to deny it was them who sent him but I explained he did had a clipboard with all my information on it and their name CHASE BANK on his paperwork as well as on the letter he delivered. XXXX with chase bank executive offices stated she would look into it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent XXXX bitcoin in exchange for {$73.00} USD and I re-activated my old Paypal account so that I can receive the funds. I received the payment without a problem then I transferred the funds to my bank debit card. On XX/XX/2021 I sent XXXX bitcoins in exchange for {$100.00} and received the funds via Paypal, but this time they placed a hold for {$68.00}. Paypal also put limitations on my account which prevented me from transferring the funds and they requested documentation of my transaction. I submitted all the documentation proving the legitimacy of my transaction. 
They reviewed what I submitted and they approved my transaction and also removed the limitations from my paypal account. However {$68.00} was still being held so I transferred the difference of my payment which was {$39.00} to my debit card. At this point I figured since Paypal reviewed and approved the documentation that I submitted I didn't think there was going to be any more issues. On XX/XX/2021, I sold more bitcoins which was XXXX. In exchange I was to receive {$69.00} in my paypal. When I received the funds via Paypal, their system didn't allow me to transfer the funds to my debit card. So I called customer service and they advised me to go to XXXX to get my funds. I thought that didn't make sense because I was going to have to pay fees but regardless I showered and got ready to head to XXXX but when I got out of the shower, my Paypal account had an new message saying that I would not be able to use Paypal anymore and they put on a permanent limitation on my account which restricts me from transferring or withdrawing my funds. They said I violated their policy and told me that they were going to hold all my funds for XXXX. They accused me of embarking in gambling transactions but they didn't send me any correspondence or specific details on why they were accusing me of this. I already sent them my documentation and I have documentation proving the legitimacy of all of my transactions. They never sent me any proof on why they accused me of embarking in gambling transactions. I found it very offensive since they are accusing me of doing illegal activities and they didn't explain anything to me or send me any correspondence. All they said was that I couldn't use my funds and that they are going to hold my funds for XXXX months. I think this is outrageous and I think the right thing to do is to give me my funds since I DID NOT engage in any sort of gambling transactions. This is absolutely preposterous.
Product: Vehicle loan or lease

I HAVE BEEN PRE-APPROVED WITH CAPITAL ONE FINANCE ON XX/XX/XXXX ME AND MYHUSBAND COMPLETED THE PAPERWORK WITH XXXX XXXX XXXX IN XXXX GEORGIA. <P/>WE SUBMITTED ALL PAPERWORK TO XXXX XXXX XXXX WHO IN EXCHANGE SENT THE PAPERWORK TO CAPITAL ONE. <P/>I HAD TO SPEAK TO CAPITAL ONE FINANCE ON SEVERAL OCCASSIONS ABOUT ACCURACY OF INFO PROVIDED VIA THE CAR SALES PERSON XXXX XXXX. <P/>I HAD FOUND WITH OUR PROVIDED PRE-APPROVAL INFO THE ACCURACY NEVER MATCH UP WITH WHOM THE DEALER WAS SPEAKING TO AT CAPITAL ONE FINANCE. <P/>PER THE FINANCE MANAGER XXXX AT XXXX XXXX XXXX, PER MY PHONE INTERVIEW ON XX/XX/XXXX WITH CAPITAL ONE REP MY CAR HAS TO BE RETURN TO THE DEALER BECUASE OF ADDRESS. <P/>PER CAPITAL ONE SUPPORT THEY STATED THAT THE PRIMARY ADDRESS WAS LISTED AS XXXX XXXX XXXX, XXXX GA XXXX, AND STILL AS OF TODAY IT IS STILL MY PRIMARY ADDRESS. <P/>AS I STATED ON THE ONE CALL AND VERIFYING THE CONFUSION OF ADDRESS IN WHICH THE REP HAD INIDCATED I LIVED INTEXAS. <P/>I TOLD HIM AND STILL TODAY OF AS OF XX/XX/XXXX I WORK AS A XXXX AND I TRAVEL FOR WORK FOR SHORT TERM STAY. I PROVIDED THEM THE ADDRESS IN WHICH I WAS NOW HAVING THE CAR AT AS OF THE DATE WHENALL THE PAPERWORK WAS SUBMITTED, MY JOB ASSIGNMENT WAS CHANGED. <P/>I NEVER KNEW YOU CAN BE DENIED OF THIS LOAN, I HAVE HAD HTE CAR SINCEXX/XX/XXXX WHEN I WAS IN GEORGIA AND STILL TODAY. <P/>CAN CAPITAL ONE DENY A LOAN TO SOMEONE BECUASE THERE ADDRESS OF CHANGE AFTER THE SUBMISSION OF PAPERWORK. <P/>MY ADDRESS IS SHORT TERM. I AM NOT A RESIDENT OF TEXAS, I AM RESIDENT OF THE STATE OF GEORGIA, I AM WORKING AND I REINTERATE THIS OVER AND OVER, AS I FEEL THERE IS NO INFO PROVIDED BY THE DEALER NOR THE FINANCE COMPANY THAT STATES DIFFERENT. <P/>ALSO I HAVE NEVER BEEN OR DONE AN INTERVIEW FOR A CAR VEHICLE EVER AFTER ALL PAPERWORK HAS BEEN COMPLETED. <P/>PLEASE ADVISE. <P/>AS I HAVE PROVIDED A DOWNPAYMENT I HAVE INSURED AND PAID ON THIS VEHICLE AND ALSO HAVE DROVE OVER 15 HRS TO WORK SAFELY.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I send out a certified verification letter for an account, XXXX XXXX, on my credit report its XX/XX/XXXX, and I still have not received anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate payment history. XXXX is showing payments that XXXX is not.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.