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

I know that you have been replying to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX Late Payment {$84000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$9200.00} XXXXXXXX XXXX XXXX Charge-off {$0.00}
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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/2021 2021
Product: Mortgage

I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. 

The reason for the late payment was solely due to my lack of knowledge that my mortgage loan was transferred from XXXX XXXX to PNC. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life - that is not an exaggeration. My mortgage history is no different and was on Auto Pay for many years, in full and always on time. However, when the loan was transferred without my knowledge, the Auto Pay did not transfer to pay the bill with PNC. The main reason that I was not aware of this transfer leading to this unfortunate and unfair situation, is that the only information regarding this transfer was done via physical mail and I was not living at that address at that time. I had no reason to suspect any changes, nor did anyone reach out to me via email nor phone. Nonetheless, once I found out about all of this ( XXXX XXXX, 2016 ), I immediately paid the mortgage with PNC in full and set up Auto Pay with PNC. 

Again, I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life. It is not fair that this situation should be held against me when it was solely due to my lack of knowledge about the account transfer, and not at all due to my lack of paying the bill. 

Thank you for your time. Please feel free to contact me via phone or email for any follow up inquires and/or if you need any other documentation.
Product: Consumer Loan

1. Title loan on vehicle {$6000.00} original amount 2. Annual Percentage Rate : 101.9813 % 3. Total Payments : {$19000.00} 4. XXXX XXXX XXXX refused to provide payment coupons 5. XXXX XXXX XXXX refused to provide a ten day payoff statement 6. XXXX XXXX XXXX refused to provide an EIN number 7. XXXX XXXX XXXX refused to provide original contract provided a copy with forged computerized signature 8. XXXX XXXX XXXX required participation in mandatory 3rd party marketing program 9. XXXX XXXX XXXX installed a tracking device on the vehicle with {$1000.00} fee if not removed within 72 hours of satisfaction of lien
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. 

I demand that this company remove my account from all three credit reporting agencies due to the violations. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and do not have a contract with Nexum Group Inc. They did not provide me with the original application or documents like I asked. Nexum Group is very aggressive and nasty. They don't let you explain why you don't owe a debt with XXXX XXXX ; they just get demanding nasty and tell you ; you better paid this debt or we going to report you to the credit bureau, and this will be on your credit report for 7yrs. 
I try to explain to Nexum representative the reason why this is not debt with XXXX XXXX I signed a contract with XXXX XXXX to have my roof done I had to pay my deductible up front before they started on my roof and salesperson said that only thing, I have to pay out of pocket may insurance with pay the remaining. So, once they finished the roof, they received the check from the insurance company after that I received a bill in the mail saying I owe them {$1300.00} I called the finance department and talked to someone named XXXX and I asked him what this bill for he said for extra wood they added to roof. I ask him why anyone didn't talk to me about this first he didn't give me and answer, so I asked for a receipt from them he told me they don't have to provide me a receipt, so I told him I'm not paying until your show me some proof of this extra wood for {$1300.00} are we can take this to court and handle this in court, the next thing I know Nexum Group calling my phone demanding me to pay them. I not paying no one unit some of your show me some document stating that XXXX pay for this amount for wood.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( bX4 ) -5-1002.142 ( bX7 ). I kindly request that you block this information from my credit report within four business days. Pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXXXXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year i received several notifications that my information was exposed in several mass data breaches such as the equifax date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, i disputed the accounts via certified mail and have not received a response from anyone. I have been neagtively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit reoport immediately which is in compliance to the FCRA section 605-B.
Product: Debt collection

The company MCA MANAGEMENT COMPANY has placed a collection on my credit in the amount of XXXX. A certified validation letter was sent on XX/XX/2022 to this company and response they did not cooperate with validation information : Failure to provide the below items : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed. 
Provide a verification or copy of any judgement if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not yet expired on this account.

Provide me with the license that they are allowed to collect within my state. 
Provide me with your license numbers and Registered Agent or Agent of Service/s. 

They are in violation of Violation of the Fair credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation Of Character due to not providing the necessary information requested.
Product: Bank account or service

I ordered new Bank of America checks online in XX/XX/XXXX. On XX/XX/XXXX I still had n't received them, so I called the local BoA office to ask about the status. They said they could n't help me, but that they could connect me with customer service, which they did. After going through a XXXX automated phone system, I eventually learned that the checks had been mailed to me on XX/XX/XXXX. But when I selected the number to speak to an XXXX, the system said it could n't help me and hung up. I called the local office again, and they told me to just keep saying " Speak to an XXXX ''. I called BoA customer service back and kept asking to speak to an associate. The system hung up on me. I Googled BoA customer service, called the XXXX number, chose the option for " stolen checks '', and after providing some additional info, finally got a real person. He then put me on hold for a XXXX time before transfering me to someone who confirmed that the checks had been ordered correctly and been shipped to the correct address. Since we never got them, she reordered the checks. This whole process took XXXX minutes. I would have been happy if I had gotten the woman who reordered the checks the first time. We have been with BoA/Merrill for many years, including all of our banking, investments, mortgage, and credit card, which together amount to a lot of money. It seems to me that we should receive far better service. This seems to happen every time we deal with BoA. We stay with them because we want everything in XXXX place, and we are relatively happy with XXXX.
Product: Credit reporting or other personal consumer reports

Purchased car on XX/XX/XXXX. 

2 Hard inquiries resulted on Transunion reporr. 

Contacted XXXX XXXX on XX/XX/XXXX with credit report showing the two inquiries. 

XXXX responded XX/XX/XXXX saying they can't do anything about it and to contact credit bureau. 

Call to Transunion resulted in referral to FTC and then Consumerfinance.gov to file report that Transunion will accept as documentation. 

Hence, filing this complaint report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX - XXXX Your company 's records must be up-to date. If you have any names listed in your system that do not match my name as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only name is XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My address is XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and if you have any listings with different address ( s ), please delete them immediately so the information you have on file for me is accurate.

Regards, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well XXXX XXXX -- it needs certified compliant. 

XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, XXXX   and Trans Union. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points  across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.
Product: Student loan

I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. 

XXXX XXXX XXXX, 2015
Product: Checking or savings account

On XX/XX/21, I received a package from USPS. It was addressed to me from TD Bank. It appeared to be checks, which I knew was suspicion as I do not have a TD Bank account.

I opened the package and confirmed that it contained checks with my name and address but not my phone number.

I immediately called TD Bank, explained that I received checks from them but didn't bank with them, and advised that the checks had my information but a suspicious phone number. I was transferred to their fraud department. The rep in the fraud department made a notation in the system, closed the account in my name and directed me to contact FTC, SSA and the 3 major credit bureaus. 

I made no further inquiries about the account at TD Bank as I didn't open it.
Product: Debt collection

Never received notice to dispute. Midland Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Product: Prepaid card

Preface summary ( COMPLAINT ID XXXX ) Recently, I found that my Visa XXXX  card was unexpectedly declined for purchases on XXXX and XXXX. After contacting your company, I was informed that my card has been suspended in XXXX for 30 days and will be reissued after that period. However, I can confirm that there have been no violations of terms or any fraudulent activity on my card. Following this, the credit card company requested verification regarding the inability to obtain certified information about this lavender case, and I was asked to send my identification documents ( Case ID : XXXX XXXX ). Despite providing the requested information, I have not received any response since XXXX, which has been an extended delay. The original balance of the gift card was XXXX USD, and there should still be around XXXX to XXXX USD remaining. 

Current situation They stated that they sent me a check but I didn't receive it. I responded to their email but they didn't get any reply.I have sent letters twice.
Product: Student loan

Mohela recently transferred its loan servicing platform. Before the transfer occurred, I scheduled a future loan payment for {$900.00} ( effective XX/XX/XXXX ). I forgot I scheduled this payment, and scheduled a duplicate payment for XX/XX/XXXX after my account was active with the new platform. The new platform did not show anywhere that I had a pending payment for XX/XX/XXXX and my transition happened XXXX. 

On XX/XX/XXXX, two payments of {$900.00} each were deducted from my checking account. I assumed both payments would be attributed to my loan balances ; however, I realized only one was accounted for. Payment 1 ID is : XXXX and Payment 2 ID is : XXXX. 

Outside of Mohela, I keep an amortization table of all of my loans. After accounting for the double payment taken out of my checking account on XX/XX/XXXX, my balance was off by {$900.00}. Mohela did not attribute one of the payments they took from me to my account. 

I am not sure what to do in this situation, but I want my money returned or rightfully attributed to my unsubmitted loans. Is there a penalty Mohela will receive for the mismanagement of my money? 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2020, I received in the U.S. mail my " Free '' annual copy of my " TransUnion '' credit report. 
On " Page 1 of 15 '' under the " Adverse Account '' section, if incorrectly states that I have a " Collection Agency '' debt for $ XXXX from " XXXX XXXX  '' for " Cable/Cellular. '' This so-called " XXXX Debt '' is NOT mine because I do NOT even own a " T.V. '' and I do NOT own a " Cellular '' phone.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, and I have taken the necessary steps to address the situation promptly. I have filed a police report and an identity theft report supporting the negative auto loan XXXX XXXX entry on my consumer report.