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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX XXXX and I could not submit my form online with the credit reporting agency I keep getting an error message making it impossible to correct the adverse items on my credit report. 


1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. 

403 ( 3 ) ( B ) ( i ) of the Credit Repair Organizations Act, 15 U.S.C. 1679a ( 3 ) ( B ) ( i ) ), that : ( A ) Identifies any items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of XXXX  in persons or XXXX XXXX  of which the consumer is a victim ; and ( B ) Must contain a preferred method for a consumer reporting agency to contact the consumer electronically or in writing such as an email address or physical address where mail can be received. A consumer reporting agency shall use only the consumer 's preferred method of contact for communications under paragraphs ( d ), ( XXXX ), and ( f ) of this section about the consumer 's submission and shall not use the consumer 's preferred contact information for any other purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax evidence of the frivolous accounts they are reporting on my credit report. 
Equifax refuses to properly investigate the errors being reported on my credit report. 

1. XXXX XXXX XXXX XXXX 2. Public Records
Product: Credit reporting, credit repair services, or other personal consumer reports

Negotiated debt with " Freedom Debt Relief " " XXXX XXXX '', same company via XXXX  XXXX XXXX. Original debt with FDR was XXXX, settled for XXXX. XXXX settled this account for a fee of XXXX. Payments of XXXX per month to XXXX were to be divided between FDR and XXXX untill fees were payed in full to XXXX. At that time all payments of XXXX per month would be forwarded to FDR until the XXXX was payed. In short FDR is knowingly reporting an incorrect balance of almost XXXX to multiple credit bureaus. I did make several reports via XXXX, XXXX XXXX etc. Reports were denied due to FDR certifying that amounts were correct. Even called FDR to rectify XX/XX/XXXX @ XXXX XXXX. They proclaimed that the balance wouldn't change untill the full balance, settled amount was paid in full. They acknowledge that the balance was only XXXX and refused to accurately report this to credit bureaus.
Product: Credit reporting or other personal consumer reports

These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my FICO credit reports, which are damaging my credit and were not initiated by me. I made multiple attempts & disputes. My next action is litigation against Experian & CFPB for allowing this to be reported for so long after multiple complaints of fraud. This has severely affected my life. 

Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud. Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days.

To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. Please See Attached Notarized & Non Notarized Files. 

ALSO : These addresses Ive never lived at : These addresses are also associated with 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 Experian is violating multi laws : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Checking or savings account

I waited for ten days for a wire transfer. 
Today, the company XXXX XXXX initiated the payment to Bank of America. Later at about XXXX XXXX, the XXXX XXXX rep contacted me to tell me that the Bank returned the wire payment because they needed an address. 

First of all, at the time I started with the XXXX XXXX, my address was different and I have since left that address. The Bank account was opened at that address, then the address was updated at the Bank. 

Second, I had already told the XXXX XXXX that I was XXXX XXXX XXXX XXXX XXXX abroad and that they should not send me checks. I noticed they initially insisted on sending Checks and I questioned why they chose such a dangerous way to send people their funds given that the recipient had told them she is unavailable at the address. 

Besides, why would a rational person want to send a check when the recipient had refused the means because they are not going to be home and needed the funds asap for an XXXX abroad and all that is required is for the funds to be in their Bank account where the check would have ultimately been delivered? 

Third, it is not safe to send checks of such an amount in the United States. This is egregious. Kindly check the link to see what is even going on with the USPS : XXXX XXXX XXXX XXXX XXXX Then 10 days later, the company now stated to me that the Bank returned the wire due to address issues. 
I am demanding an investigation of this matter. 
This has caused me irreparable harm and I am considering a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcy to be " verified '' and therefore will not remove it. I have a letter from the United States Bankruptcy XXXX XXXX XXXX Oregon 's Chief Deputy Clerk, stating, " XXXX XXXX, The Bankruptcy XXXX does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all XXXX Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, & XXXX. Please instruct Equifax to remove the XXXX XXXX Bankruptcy, Case or ID # XXXX, Date Filed XX/XX/XXXX, Date Verified XX/XX/XXXX, Date Reported XX/XX/XXXX, Current Disposition Date XX/XX/XXXX ; as this information/item is inaccurate, unverifiable or unfair as per FCRA Section XXXX ( a ) ( XXXX ) ( A ). 
Thank you.
Product: Credit reporting or other personal consumer reports

I have been trying to get my credit report and score from Equifax for over 30 days. As of today XX/XX/year> I still cant access it. I contacted customer service on XX/XX/year> and the agents were extremely rude over the phone. They told me I have no file when I know for a fact I do. I can access XXXX and XXXX. Equifax is causing a hold up in my home buying process. Trying to gain access to a report that I should be able to legally and cant has caused emotional distress on me as I have XXXX as a US veteran. I have worked at this for over a month now with no resolve. I also submitted my driver license and social security card as proof of identity and still there isnt a remedy. I also mailed in a letter requesting also alerts and freezes to be removed if there are any. According to XXXX tracking Equifax received my documents on XX/XX/year> @ XXXX. I sent these as added security for identity verification and they still havent done anything. They are playing with my familys livelihood.
Product: Student loan

The reasoning for my dispute is I feel like it 's not fair Navient Dept. Of Education Loans to add my late payment history to my report after my bankruptcy discharge..my late payment history occurred before bankruptcy my on time payments history is occurring after bankruptcy so that 's the only thing that needs to be showing up on my credit report.. my late payment history has impact on my credit an it needs to be taking off asap.. '' that 's just like punishing someone today for something they did four months ago it 's not right ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am extremely upset with XXXX, XXXX and Experian. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And XXXX, XXXX and Experian continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all XXXX credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX PA XXXX ) He notice several instances where XXXX, XXXX and Experian are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : EXPERIAN XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries members XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian XXXX Email : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX   XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail/return receipt has been sent as of XX/XX/2021 to TRANSUNION. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, TRANSUNION is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). TRANSUNION has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, TRANSUNION has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to TRANSUNION, this is not a third party and I have sent TRANSUNION all documents required by law.
Product: Money transfer, virtual currency, or money service

I have a PayPal credit account. PayPal advertises heavily that they can be used to receive and transfer funds electronically to/from your bank account. They also charge a fee for this service. 

I used my PayPal account to receive an electronic payment of funds from someone for the purchase of an item I sold. PayPal holds these funds in a " wallet balance '' for the user to transfer to their checking account or other bank account they 've setup with PayPal. Rather than holding these funds for me to transfer to my checking account, PayPal will apply any incoming debits authorized by my PayPal credit account to this " wallet balance '', rather than to my PayPal credit balance. I even have my PayPal credit account set as my " preferred method of payment '' according to their site. 

I do not think it 's fair for this company to take funds that I anticipated being transferred to my checking account without my direct consent or knowledge. I used PayPal as a money transfer business and paid them a fee for the funds to be transferred to my checking account. I realize that the debits were transactions that I initiated, but they have now taken it from cash funds that were to be deposited to me. PayPal still expects a full monthly credit payment as well. So these cash funds have now been applied to my credit balance by virtue of covering incoming transactions, rather than applying those transactions to my credit balance as initiated, and they demand a full minimum monthly payment. I think this practice is unfair and misleading. And that user funds should be protected. 

Details of the transaction : XXXX XXXX, XXXX : {$40.00} electronic payment received to my PayPal account from XXXX XXXX. PayPal charged {$1.00} fee for transfer, totaling {$38.00} received to my account. 
Since the above transaction, four credit initiated transactions came in, totaling more than the {$38.00} received. PayPal shows I have {$0.00} in my " wallet '' to transfer to my bank account. 

XXXX XXXX, XXXX : Contacted customer service and explained the above. The representative, continuously laughed at me and joked that I spent the money so I correctly received nothing, and have nothing in my wallet. When I explained that it 's unfair that credit transactions were taken from this balance, she informed me that I had to set my credit account as my preferred method payment. When I told her that I had, looking at it online as we spoke, she told me that it did n't matter. 

I did n't find any of it amusing, and I told her so. Even though this was a small amount of money, I think this practice is unfair. If a credit company that clearly defines themselves as a means of easily transferring money electronically, is actually going to keep the funds and apply it to credit transactions, there should be better communication and safeguards.
Product: Debt collection

During my tenancy at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX ) from XX/XX/XXXX to XX/XX/XXXX, several unresolved issues caused significant hardship. Despite repeated formal communications, managementparticularly XXXX XXXX and XXXX XXXX to address my complaints adequately. 

Persistent Noise Complaints : I reported continuous noise disturbances throughout my stay. On XX/XX/XXXX, I informed management that I would withhold rent until the noise issue was resolved, but no action was taken. As a result, I incurred over {$20000.00} in expenses for noise insulation and medical treatment for XXXX, caused by the neglect of my concerns. 

Harassment and Discrimination : During my stay, I was subjected to XXXX XXXX  and discriminatory behavior by XXXX XXXX XXXX, including XXXX XXXX and XXXX XXXX. Despite the seriousness of these allegations, no remedial action was taken by XXXX XXXX management, violating both federal and state laws. 

Incorrect Billing and Unlawful Collections : XXXX XXXX forwarded an unjust charge of {$2800.00} to Fair Collections & Outsourcing ( XXXX ) despite my formal dispute. XXXX began collection activities without properly investigating the situation. I contested the bill on XX/XX/XXXX, but XXXX continued its collection attempts. 

Unresolved Dispute and Collection Offers : On XX/XX/XXXX, XXXX offered a XXXX XXXX discount on the disputed charge. On XX/XX/XXXX, they increased the discount to XXXX XXXX, requesting a payment of {$1700.00}. Then, on XX/XX/XXXX, XXXX offered a further XXXX XXXX discount. However, given the unresolved issues and misconduct, I contend that the appropriate amount owed is {$0.00}.
Product: Debt collection

XXXX send a letter to old address about possibly taking legal actions XXXX Spoke with them on the phone asking the to please stop sending anything to that address and also to stop calling. They couldnt provide proof. They then threatened that it would turn into them suing me. 

XXXX started calling relitives and telling them i put their number down as my contact info.
Product: Debt collection

I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND CREDIT LAW, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY XXXX XXXX IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX XXXX XXXX immediately thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed that on XX/XX/2022 your company had a soft pull of my consumer report. 

15 U.S. Code 1681q - Obtaining information under false pretenses 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I would love to have a copy of the contract where I allowed you to use my information.

Please let me know who allowed you to do pull my credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX 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

In Accordance with the Fair Credit Reporting Act, XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My company, Seterus Inc., was supposed to help me with a loan modification in lieu of losing my home. Instead, they put a XXXX balloon payment on the back of my mortgage, making it impossible to payoff.