23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the equifax data breach and may have possibly been interfered with.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the XXXX bureaus i would like these accounts removed for false information immediately. 
According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( American Honda Finance ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquires have been made to my account fraudulently and without my knowledge Remove these ( 5 ) Fraudulently inquiries from my credit report that I have with your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUSIVE Action For XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. They did not notify anyone quickly enough moreover and expect me to pay to freeze my credit on account of a mess up on Equifax 's end..
Product: Mortgage

My mortgage was sold to MR COOPER. I have always made bi-weekly payments ( plus a little more ) in order to pay down my mortgage. I have never been behind. Mr Cooper does not apply those payments, they simply " hold '' them - completely unapplied under the other payment comes in making a full payment. This completely negates the purpose of paying bi-weekly because since my payments are UNAPPLIED, I am still paying interest on the entire amount. I call every 2 weeks. It is like a full time job. This is their way to keep the interest compounding on the larger amount. Yesterday I spoke with XXXX who informed me that I need to give them my bank account information so they can debit my acct for bi-weekly payments. That is untrue. I've been in real estate over 30 yrs, 17 in sales. I am making my payments early or on time & they should be applied to the balance Immediately with the small amount of extra applied to the principle only. XXXX suggested I open a separate bank account if I don't " trust '' them & just use that. It is not necessary. He also informed me that I could refinance with a Portfolio lender who keeps the loans in house LIKE HE DOES - their rep doesn't even have his mortgage with them! I would love to do this but it would double my current interest rate. There are HUNDREDS of complaints, there's a woman who even made a tiktok video about this very issue. XXXX & XXXX are full of people complaining about them. People have even refinanced their homes only to be sold to them again a month or XXXX later. They are predatory and deceptive. They are taking advantage of people like me who can speak up but I can only imagine the frustration of those like the elderly or XXXX who have nobody to help them, tried & get nowhere with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on XXXX XXXX  ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Product: Student loan

I was approved to begin tracking payments for Public Service Loan ForgivenesXXXX with XXXX. XXXX incorrectly calculated my qualifying payments and dates of employment. I would like this resolved so I can begin tracking my progress toward loan forgiveness.
Product: Debt collection

I received a credit monitoring alert on XX/XX/XXXX saying a new collections account from XXXX XXXX XXXX with a balance of {$2600.00} was added to my credit report. I had no knowledge of who they were and never received any notices, so contacted them immediately by email through their company website demanding verification of the debt, and disputed the reporting with TransUnion. The next day I received an email with a letter saying an old debt from XXXX had been assigned to Lake City Credit, an affiliate of theirs, showing they charged me interest in the amount of {$1100.00} with a computer print out of a debt from XXXX allegedly received from XXXX. I continued to demand a copy of the actual contract but never received it in spite of repeated requests ( see attached copies of email exchanges XXXX. TransUnion removed the account after the 2nd dispute but they continue to misrepresent their reporting to Equifax, and have doubled the amount they allege I owe to {$3000.00} as of XX/XX/XXXX. Ive done everything I can to get them to stop to no avail, and they refuse to provide me with a copy of the original contract or other proof allowing them to charge such ridiculous interest on the debt they claim I owe. They continue to illegally charge interest retroactively from XXXX years ago on a debt from they didnt acquire until XX/XX/XXXX, thereby increasing the reported amount to more than double what they claim I owe! They also failed to accurately report the original date of the debt, as well as their third-party debt buyer status, although they continue to report an interest increase in the balance each month. THIS COMPANY IS ILLEGALLY AFFECTING CONSUMER CREDIT REPORTS BY INTENTIONALLY REPORTING INCORRECT AMOUNTS & INFORMATION! THEY SHOULD BE SUED AS THEIR ACTIONS HAVE NEGATIVELY IMPACTED MY CREDIT REPORTS FOR ALMOST 2 YEARS!!!
Product: Checking or savings account

On XX/XX/XXXX, I phoned Citibank about fraudulent withdrawals made from my account that totaled {$1000.00}. Someone ordered a bank card and had it mailed to an address that was not my address. Citibank mailed out the card with a pin number, they activated the card and was able to take the money out. Citibank sent an email stating that they will not reimburse me the funds that was stolen. I made several police reports, 1 for the unauthorized withdrawals and 1 for identity theft and 1 for the card being delivered to an address that was not mines. Citibank is accusing me of loaning my card out to someone. A card that was never in my possession!!! I have attached the proof where they mailed out two cards, one to my address after the money was stolen and the other where they mailed out the card to the address that's not mines and when they unlocked the card so that they could use it.
Product: Debt collection

Last week, a debt from Afni was added to my credit report. The date stated that it was opened is XX/XX/2016, which is a lie. I did not have XXXX XXXX XXXX first off, secondly I did not receive any written notification for this debt whatsoever, and if anything were opened in 2016 it would not have just appeared on my report last week. I have proof from all credit bureaus it was never there. Also, since I have never received anything about this debt, I also never received any written notices of my right to dispute or to request validation ( not verification, VALIDATION. ) They are violating multiple rights per the FDCRA.
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  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Debt collection

I am writing to express my extreme frustration and anger regarding the negative payment status on my credit report for an account that is being incorrectly reported as a late payment account with a balance due. I have reached out to INDIGO - CELTIC BANK regarding the validity of the debt, but they failed to provide any proof of the alleged late payment. Therefore, I demand that you provide proof that this account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account immediately. The account in question is : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$190.00}. Despite my repeated attempts to resolve this issue with both INDIGO - XXXX BANK and your bureau, I have faced nothing but obstacles and delays. It is unacceptable that this negative payment status is still on my report, and I demand that it be removed immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding the continued reporting of XXXX  information by XXXX XXXX XXXX, XXXX, Equifax and XXXXXXXX XXXX XXXX, in violation of applicable federal laws and my privacy rights. 

Recently, I received a notification from the XXXX  court stating that it does not report information to any third-party agencies. The court also confirmed that under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), I have the right to opt out of any authorization that such third parties might claim to have. Additionally, the court clarified that they do not lend authorization for the dissemination of this information. 

Pursuant to federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Uniform Commercial Code ( UCC ) provisions, I assert the following : Improper Reporting : XXXX  records must be reported accurately and only by authorized entities. Since the XXXX  court explicitly states that they do not authorize such reporting, the continued presence of this information on my credit report constitutes a violation of my rights. 

Violation of Privacy Rights : Under the Privacy Act of XXXX, I have opted out of any authorization for the sharing of this information. Any entity claiming otherwise is acting without lawful consent. 

Timely Removal Requirement : Under applicable laws, any inaccurate or unauthorized information must be corrected or removed within a reasonable timeframe. The notification from the court requires the removal of this XXXX  information within four ( 4 ) days, and failure to do so constitutes further non-compliance. 

I request that the CFPB investigate this matter immediately and take the necessary actions to ensure the removal of the inaccurate XXXX information from my credit report. 

Furthermore, I demand that all reporting agencies cease any unauthorized dissemination of my personal data in violation of my rights. 

I have attached copies of the notification from the XXXX  court and any relevant supporting documents for your review. Please acknowledge receipt of this complaint and provide updates on the investigation. 

XXXX XXXX : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX XXXX
Product: Debt collection

This company is charging me outrageous amount $ XXXX {$7100.00} on an automobile which I no longer have in my possession due to an accident. The information they have provided is confusing and I do not agree. I reached out to this company to try to rectify this account but I am not getting anywhere. Santander reported this account to my consumer report which is reporting errors and I am totally concern with how the bureaus are letting this happen. 

I request an investigation on this account back in XX/XX/2022, but I am only receiving a computerized template from the bureaus stating verified which is not providing me sufficient information on this account. This account should not be reporting on my consumer report with all the inaccurate information. 

This account is chargeoff but still reporting a past due amount which is a violation of From my understanding this company Santander been getting away with sabatoging peoples consumer report by reporting misleading and false information. They were sued XXXX years ago for this practice. 

15 U.S.C 1681a ( 2 ) ( 1 )
Product: Credit reporting

Transunion has received a police report and continues sharing my credit file. Additionally, there are XXXX credit inquiries that are fraudulent and unauthorized that they refuse to remove. 
XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

PERMISSIBLE PURPOSE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Trans Union LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Last XXXX XXXX To whom it may concern, I, XXXX XXXX, never gave ( XXXX XXXX XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
XXXX USC 1681b Permissible purpose 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 instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally dispute the validity of any debt claims you allege I owe, specifically the amount of {$570.00} as reflected on my credit report. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and specifically under the provisions of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ) and 15 USC 1681s-2, I request a detailed validation of this debt.

Please provide the following : Verification of the Debt : I request a complete validation of the debt you claim I owe, including the original creditor 's name and address, the amount of the debt ( {$570.00} ), and any additional charges. This request is made under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Purchase Agreement : In accordance with 12 CFR 1006.34 ( d ), I request a copy of the purchase agreement between XXXX XXXX and the original creditor, evidencing your authority to collect this debt. 
Licensing and Bonding : As per my rights under state and federal laws, please provide documentation proving that XXXX XXXX is licensed and bonded to collect debts in my state. 
Credit Reporting : Under 15 USC 1681s-2, please confirm whether you have reported, or intend to report, this alleged debt of {$570.00} to any credit reporting agency. If so, please also provide a copy of any such report ( s ).

Until I receive the requested documentation, I consider this matter in dispute, and during this period you should not report this debt to any credit reporting agencies. Additionally, I request that all further correspondence be conducted in writing.

Please note that I am aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and I will not hesitate to file complaints with the Federal Trade Commission and the Texas Attorney Generals Office if I find that my rights have been violated.

Thank you for your attention to this matter. I expect your response within the time frame outlined by law30 days from the receipt of this letter.
Product: Debt collection

PYOD LLC XXXX I HAVE TRIED TO REACH OUT TO THE COMPANY DIRECTLY WITH NO RESPONSE I HAVE DISPUTED WITH XXXX CERTIFED MAIL AND COLLECTION GETS VERIFED THIS DEBT IS NOT MINE I DO NOT RECALL THIS AND IT STILL REMAINS ON MY XXXX REPORT.