23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me a deadbeat, and refused to let me speak to a supervisor. Then the following day I received XXXX calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX have 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: Mortgage

We paid our mortgage in full on XX/XX/year>. Escrow refund check was generated on XX/XX/year>. It took XXXX weeks to receive this. I deposited the check on XX/XX/year>. On XX/XX/year> I received a notification from my bank that the funds were reversed. On further checking into this, the issuing bank, XXXX XXXX, refused to honor the check. I called Selene Finance on XX/XX/year> and spoke to Customer Service agent who REFUSED to transfer me to a manger or to the Cash Department for further help. She informed me they would issue another check that would take XXXX WEEKS to reach me. I was unhappy with this option and told her they needed to either overnight a replacement check or wire me the money. She refused. I did inform her that legally they are required to returned my escrow funds within 20 days. She very nastily told me that they had. I told her yes that was true but they sent a BAD CHECK!!! I again asked to be transferred to a manager or the Cash Department to speak with someone. She refused. She did offer me a customer service email address ti submit my complaint to. I refused and said I wanted to speak to a manger, and again, was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting XXXX of XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C .

1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C .

1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for a lovely home on XXXX XXXX and was denied due to many inaccuracies reporting on my credit report. 

I am writing to report several inaccurately reported accounts on my TransUnion credit report, as well as express my concern regarding the lack of investigation on your part. These inaccuracies have resulted in adverse action letters, denying me housing opportunities due to the discrepancies on my credit report. 

I have previously submitted an identity theft report to the Federal Trade Commission ( FTC ) regarding inquiries and accounts that do not belong to me. Despite my efforts and the seriousness of the matter, it appears that no action has been taken by TransUnion to rectify this situation. It is essential that you address these issues promptly and in accordance with the Fair Credit Reporting Act ( FRCA ) laws. 

Below, I have provided a list of the inaccurately reported accounts on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information related to my account as reported to the credit bureaus. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, and the Truth in Lending Act, specifically 15 USC 1666b.

Upon reviewing my credit report, I noticed the following discrepancies : 1. incorrect payment history I believe this information is incorrect for the following reasons : late payments are being reported inaccurately and I always maintain an consistent payment history. Upon reviewing the credit report I noticed Consumer are reporting 3 different payments history. Which plays a crucial role in my credit report.

In accordance with 15 USC 1681i, I request that you investigate this matter and correct or remove the inaccurate information from my records. I have attached a copy of my recent credit report to support my claim. 

Furthermore, under 15 USC 1666b, I am also requesting that you review any billing errors associated with this account that may have contributed to the inaccurate reporting. Please provide me with a detailed explanation of any findings from your investigation and any actions taken to rectify this matter. 

I appreciate your prompt attention to this dispute. Please respond to me in writing at the address listed above within 30 days of receiving this letter, as required by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify XXXX, Chexsytem, XXXX, XXXX, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

XXXX Chexsytem, XXXX, XXXX, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with XXXX Chexsytem, XXXX, XXXX, XXXX, and XXXX XXXX investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector.

Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurately on my credit report. They are in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and I have noticed that XXXX XXXX XXXX have tried to share private information without my consent which is a HIPPA Violation. The 3 major credit bureaus or Transworld Systems Incorporated refuse to provide actual documentation of me giving them permission to share my personal records with their collection company.
Product: Student loan

I was forced to transfer lenders from Great Lakes to Nelnet. In the process i have an email dated on XX/XX/2023 from Great Lakes stating " nothing will change '' referencing account values, removal of payment methods, quantity of loans, and interest values. However Great Lakes and Nelnet operate differently. Great Lakes maintains ( 1 ) loan with multiple " tokens '' beneath it. When you make your {$500.00} minimum payment, Great lakes applies it as appropriate across all tokens no matter their due date. Nelnet however, changed each token into individual loans. This forces a minimum payment against each new loan raising my required minimum payment ( in my case by {$60.00} per month ). This goes against the information provided by Great Lakes that nothing would change. In addition, Nelnet changed my payment method from standard to graduated without any communication from me. This new Graduated amount is still higher than what I was paying at Great Lakes. This changed after my information was transferred from Great Lakes to Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report XXXX  BK XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
Product: Money transfer, virtual currency, or money service

I sold some trading cards to a reputable store, they sent me the money I was owed via PayPal, upon receiving the funds In my PayPal account I got sent an email saying I can no longer do business with PayPal and that they will be holding my PayPal balance for 180 days. Ive purchased items with PayPal and have sold items with PayPal, never had any problems before and have done nothing wrong, I am confused and have tried getting in contact with PayPal numerous times on the phone but I just get fed generic response after generic response. When I ask to speak to a supervisor I get placed on hold for hours and no one ever answers me. This has to be some kind of mistake as I have done nothing wrong to my knowledge to justify them holding my funds for 180 days. My PayPal email is XXXX XXXX
Product: Mortgage

My ex-wife ( XXXX XXXX XXXX, her SSN : XXXX her DOB : XX/XX/XXXX, wanted and thus, was awarded my former home on XXXX XXXX XXXX in XXXX, California, by a California Family Law Judge as part of our Divorce settlement effective XX/XX/XXXX. So I moved out of it and back to XXXX, California ( which is over XXXX miles one way from XXXX, California ) over 16 months ago. 
Since I physically moved out, I stopped paying on the existing Ocwen Loan Servicing monthly mortgage because XXXX XXXX and her XXXX year old boyfriend physically moved into it and promised to continue to pay the monthly mortgage per the signed Court Order. 
And I mailed a copy of the signed Court Order to Ocwen Loan Servicing, yet Ocwen has now started to list the negative credit " Foreclosure '' status onto my XXXX credit report. I called Ocwen up and they refused to discuss it over the phone!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

I pay my Mortgage payment through my bank. A check is cut and mailed to the Mortgage Company. The check that was mailed to Carrington Mortgage was cashed 2 days early causing by checking account to be overdrawn which caused NSF fees. The date on the check was XXXX XXXX, 2016. It cleared my bank on the XXXX. I called my bank who, as a courtesy, issued an NSF refund on the initial overdraft charge of {$38.00}. I then contacted Carrington Mortgage and explained what had happened. I was told they do no accept post dated checks and that the address where my payment was mailed was a " machine '', which I took to mean a clearing house for posting. I was not contacted by Carrington or given any notice of the early posting. I was offered no resolution to the issue by Carrington, but was assured by the CSR I was speaking to would be getting with a manager and give me a call back to see what could be done. It has been 24 hours since I contacted Carrington and I have yet to hear from anyone. Another day has passed and two other outstanding charges have been posted to my checking account causing two more overdraft fees to post. Total overdraft fees as of XXXX are {$110.00}. This is ridiculous. If a machine is capable of reading an XXXX routing number and an account number from a piece of scanned paper, it should certainly be able to read a date as well as stop an early draft from happening.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX - XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is currently under legal litigation. Santander is required to forgive the remaining balance on loans. Santander will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, Santander knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. Santander needs to remove their collection from my XXXX  and XXXX  credit report.
Product: Credit reporting or other personal consumer reports

Im A Victim of Identity theft and there are addresses on my report that does not belong to me... I called experian today and they gave me a hard way to go ... basically went against my rights pertaining too the XXXX... The Addresses i need remove is XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today I would like to file a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable, unsafe, and breach able. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under ( EFTA ) Electronic sound Transfer and act & Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Fraudulent Collection Accounts on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute four fraudulent collection accounts that have recently appeared on my credit report. As a professional truck driver, I spend a substantial amount of time on the road, which limits my ability to monitor my credit report as frequently as needed. Unfortunately, this has resulted in my becoming a victim of identity theft, leading to these unauthorized collection accounts being reported on my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 and 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or fraudulent. These collection accounts are not mine, and I have never authorized them. I am requesting a thorough investigation into these accounts and that they be permanently deleted from my credit report if found to be fraudulent.

Moreover, I request that these deletions be processed in Metro 2 format, as required by industry standards. This ensures that the removal is permanent and correctly reflected across all reporting agencies. The FCRA mandates that credit reporting agencies maintain accurate, complete, and verifiable information on consumer reports. The collection agencies involved in these cases have not provided any documentation that includes my signed authorization, making these accounts unverifiable under FCRA guidelines. 

Given the circumstances, I request that : A full investigation is conducted regarding the legitimacy of the four disputed collection accounts.

All four accounts are permanently deleted from my credit report in Metro 2 format.

Confirmation of these actions is provided to me in writing.

Please be advised that failure to correct these inaccuracies could result in further legal action, as maintaining inaccurate or unverifiable information on my credit report is a violation of the FCRA.

I expect to receive confirmation of your receipt of this dispute and a resolution within the 30-day period mandated by law. Thank you for your prompt attention to this matter, and I trust you will handle this dispute with the seriousness it warrants.

Below are the fraudulent collection accounts that I would like to have permanently deleted : XXXXXXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX XXXX - {$930.00} XXXX. XXXX XXXX XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - {$890.00} Sincerely, XXXX XXXX
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. 



I told XXXX, XXXX, and Equifax to reinvestigate these 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.