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

On XX/XX/XXXX I sent letters to Experian, XXXX and XXXX disputing the bankruptcies appearing on my credit reports. 

I never received a response from the bureaus from the disputes so I resent the disputes again XX/XX/XXXX. 

I then received response from the bureau stating that they have verified the information as accurate. 
XX/XX/XXXX I sent letters to Experian, XXXX and XXXX regarding the bankruptcies appearing on my credit reports. 

These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is  not reporting the bankruptcies to the bureaus as it is not part of their practice. 
The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

XXXX deleted the bankruptices and XXXX deleted one of the bankruptcies. Experian did not delete the bankruptcies and stated that they had verified the information as accurate but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ).

XXXX stated that they had verified the information as accurate for one of the bankruptcies but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ).

XX/XX/XXXX I therefore sent FINAL letters to Experian and XXXX regarding the bankruptcies appearing on my credit reports. 

Again, These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice. 
The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

I am at my wits end here because they are clearly violating the law and DONT CARE. 
If the Court is not reporting this information to the bureaus then WHO IS and how do they have a legal right to do so? 
It is CLEAR that the court is not reporting any information to the credit bureaus.

Are the credit bureaus placing this information on the credit reports at their own discretion? 
It is my understanding that only " creditors '' or " credit grantors '' can report information to the credit bureaus. 
This is my final step before taking legal action so I hope the CFPB can take action with the seemingly illegal practices.
Product: Debt collection

I contacted NCA ( National Credit Adjusters ) regarding a collections on my account XX/XX/year> where the balance was incorrect. The original creditor emailed me with the correct amount and I fwd it to NCA. They never adjusted the amount. Or provided proof that their amount is correct when requested.
Product: Money transfer, virtual currency, or money service

There was fraudulent activity in my PayPal Credit account and I was charged {$630.00} on XX/XX/XXXX at XXXX XXXX  as well as on XX/XX/XXXX at XXXX XXXX {$10.00}. I tried to make a claim with PayPal Credit as it was an unauthorized charge and was right away denied a refund. Then I called when customer care was open in the morning and I was told that the account number changed which it thankfully actually did and that the unauthorized charge will be reviewed and a new claim will open. It never opened and it's still closed. I've been having a really difficult time getting the amount back that I never sent. It was sent to someone named XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested that incorrect personal identifiers on my credit report be removed. The only information that show be on my credit report : XXXX XXXX Social security number : XXXX XXXX XXXX Birthday : XXXX XXXXXXXX XXXX Telephone number : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX, MD XXXX Anything else is not accurate and incorrect.
Product: Consumer Loan

i currently have a loan which is a second mortgage loan from pnc bank and the interest rate is 8.5 % was opened in 2007 and about a year ago or XXXX ago I contacted them to refinance and lower my interest rate so i can get a lower montly payment they refuse me as my credit was not good. I tried again same and now I am behind with my payment for 6 months totalling XXXX, XXXX and they want to foreclosure on my home I cantact them again for a loan modification and they never sent me the paper work so i contact alliance which was unable to help me so they give me the link to pnc bank for loan modification I send them the application they did not answer me I think this bank just want to do foreclosure instead of helping me out with the rate which is 8.5 % most loans in these days is 4 % kindly look into this and let me know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX -Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Attention : XXXX XXXX XXXX XXXX XXXX RENT RECOVERY SOLUTIONS LLC XXXX XXXX XXXX  As gathering evidence : : : :I am writing to formally file a complaint against Rent Recovery Solutions for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my numerous attempts to resolve these issues directly, the company has continued to engage in deceptive, misleading, and oppressive practices. Below, I outline the specific FDCPA violations and the actions I intend to take : XXXX. Failure to Provide Validation Notice ( XXXX5 U.S.C. 1692g ) : Rent Recovery Solutions failed to send me a validation notice within XXXX days of their initial communication, as required by the FDCPA. This notice should have informed me of my right to dispute the debt within 30 days. Despite XXXX attempts to obtain this information, Rent Recovery Solutions has not complied. 
XXXX. False or Misleading Representations ( 15 U.S.C. 1692e ) : The company has falsely claimed that they are not a debt collector, despite engaging in debt collection activities. This misrepresentation is deceptive and misleading.

3. Harassment or Abuse ( 15 U.S.C. 1692d ) : By failing to follow the law and provide the required validation notice, Rent Recovery Solutions has engaged in behavior that I feel is oppressive, abusive, and has caused me harm. 

Additional Actions : I will be filing a complaint with the Attorney General of North Carolina and the Attorney General in the state where Rent Recovery Solutions is registered. 
I have already filed disputes with the major credit bureaus regarding the inaccurate and unvalidated debt information reported by Rent Recovery Solutions. 

Final Notice : This is my final notice to Rent Recovery Solutions to comply with the FDCPA. Ignorance of the law is not an excuse for non-compliance. I demand immediate proof that they sent me my rights to dispute the debt within XXXX days of the first communication, as mandated by law. 

Failure to address these violations promptly will result in further legal action, including but not limited to filing a lawsuit for statutory and actual damages, as well as attorney fees and costs. 

Thank you for your attention to this serious matter. I look forward to your prompt and thorough investigation into these violations
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 or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized and illegal activities reflected on my credit report. This letter serves as a formal request to remove these inaccuracies immediately, as they are a direct result of the Equifax data breach from XXXX. 

My personal information, including my Social Security number, date of birth, and other sensitive data, was compromised during the well-publicized Equifax data breach. I have reason to believe that as a consequence of this breach, my information was sold and used without my consent, leading to the creation of unauthorized accounts and entries on my credit reports. Over {$4200.00} was spent from XXXX - XXXX in trying to remediate the effects in going making calls to Equifax, visiting USPS multiple times waiting in line and sending postage. Purchase of celluar devices, plans, making calls, and purchase of printer to print out all necessary documents to mail. 

I am hereby attaching proof that confirms my status as a victim of the Equifax data breach. This evidence includes official communication from Equifax acknowledging my information was compromised in the breach. Despite this acknowledgment, Equifax has failed to take appropriate action to rectify the situation. 

In light of these circumstances, I am requesting the immediate deletion of all accounts and entries on my credit reports that have resulted from this data breach. These items are fraudulent and do not represent my financial behavior or consent. 

Please note, under the Fair Credit Reporting Act, you are obligated to correct any inaccuracies on my credit report promptly. Failure to do so may result in legal action. 

I trust that you will address this matter with the urgency it requires. I expect a written confirmation of the deletion of these items from my credit report. If you require any further information or documentation from my end, please do not hesitate to contact me. 

Thank you for your immediate attention to this serious matter.
Product: Credit card

I over paid my capital one card. As part of a home refi they asked me to pay off and close this account. I looked up online my total balance and paid a direct payment through their website for around {$1500.00} in XXXX 2016. I asked them to close the account, they did. A few days later, another payment for {$950.00} was paid auto bill pay from my checking account. I forgot to cancel that check that I had scheduled. When I noticed the {$950.00} come out of the account I called Capital One. They said they did n't have any record of it. Then we did a three way conference call and Capital One and XXXX and I al talked. They said they would start an investigation. Nothing happened, I called a few weeks later, they said they would start and investigation, nothing happened. NOW, they are charging a NEGATIVE $ XXXX and my credit card shows I owe it???? They have been impossible to work with. This account has been closed and they owe me XXXX not the other way around and they just added a late fee. Its nuts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Id like to raise my concern regarding this company whos taking money from my account constantly. Last XX/XX/XXXX, i took an eye examination which isaw in advertisement, it says will cost you a pair of glasses for only {$59.00}. I went there and they took the test but when you are there some promotions or tricks that will cost you up to {$1400.00} if you get approved by a funding company ( XXXX XXXX ) they fund me {$600.00}, then they will offer you this and that. at first they took {$50.00} downpayment XX/XX/XXXX, and then they deduct again in my account XX/XX/XXXX {$26.00} and another one after 3 days XXXX XXXX $ XXXXand the worst part is that i havent received the product. Theyre taking so much money now and i dont like it.I want to cancel it but they havent replied yet and its hard to contact on customer service. 


Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 
Explore Customer Portal If you have any questions you can chat with us ( Monday - Friday XXXX XXXX  - XXXX XXXX, Saturday XXXX XXXX  - XXXX XXXX  MT ). 
Sincerely, Acima Credit | Customer Service Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 

Dear XXXX XXXX, Thank you for your renewal payment of {$50.00} related to your recent transaction at XXXX XXXX XXXX XXXX - B. The details of the transaction may be found below : Transaction ID : XXXX Rent Payment : {$50.00} Tax : {$0.00} Total : {$50.00} Transaction Date : XX/XX/2020 If you have any questions, please contact our Processing Department at ( XXXX ) XXXX. 

Sincerely, Acima Credit | Customer Service Department
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is a victim of identity theft and fraud. As a result, this is the third time that I am writing Transunion to Remove these FALSE and INACCURATE ACCOUNTS ON MY CREDIT FILE. For the third time THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. If this continues I will pursue legal action.
Product: Mortgage

First off the loan is still in my mother 's name she passed away 12 years ago I got into trouble with the mortgage a few years back and they helped me no problem the second time I had problems with mpaying the mortgage they wouldn't talk to me or my sister because we didn't have the correct paper work Wich they have known my mother passed long time ago so this time they kept sending us paper work and more paper work finally they started talking to us again said that we finally got the correct stuff in so they talked to us we ended up paying what I was behind so this time I lost my job last year and fell behind on my payments again so I sent in hardship paper work to get them to help me well a few months went by and I didn't hear anything from them so I started looking for help else where finally I found someone that would help me and I got all their paper work done and when they call my mortgage company they wouldn't even talk to her told her I didn't have the correct paper work in so she called me and told me that well I finally talked to someone again from my mortgage place and they told me that I needed a notarized letter so they sent them to me well it was the same paper work they sent me the time before so I still had the old ones Wich they should have had also so I faxed that over to them then again I didn't hear nothing back from them for awhile then I started to get forclouaer notices so I got back on the phone just to be told they won't talk to me or help me so I started faxing them letters with no response did that for awhile and finally this one lady called again that I had spoke to before and she asked me did you get the paper work you said you was going to get I then told her I had talked to a lawyer and that it was going to take me a year or more to get what they want I don't have that much time she then asked me if I got the paper work she sent I told her no I didn't so she started to explain it to me and I told her again that we just turned those in a few years back you would think they would be on file so she told me to send her what papers I have I asked for her fax number and she asked if I would be able to get them to her by the next week I told her as soon as we hang up I'll send them right over so that's what I did hung up and faxed them right away didn't hear nothing again for about a week then I had some guy call and said that there was still missing paper work I was confused then about 2 hours later I get another message from the lady I had talked to and she said the same thing so I resent all the paper work again and now I get a forsake date in my house and still haven't heard anything back from them yet I have even faced a letter to the CEO office with all my paper work and still waiting to hear back from someone from there I think what it is is now I only owe about 100k on my house and it's valued at about 260k so there is a lot of equity now and ithink they just want to steal my house for that reason they could take a big loss and still make their money and truth is do they even own my loan
Product: Credit card

Around XX/XX/XXXX, I paid my Zales Credit Card account ending XXXX off in full. In XX/XX/XXXX I received another statement from Zales Card account ending in XXXX stating I owed an additional {$2.00}. I sent a message through my portal asking for details of why I needed to pay that amount. I waited and never received an email. I sold my home in California in XXXX and moved to my new home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem with with address is there are XXXX addresses at the same mailing address and I also received all of my billing statements online I received an email today XX/XX/XXXX sayign I owe {$280.00}. I have called Zales ComeditXXXX and told them I am willing to pay the extra {$2.00} in interest they said I owed them. The recovery department told me today that they would only settle for the {$280.00} these are all late fees and interest charges. I do not feel that I should have to pay fees for this. I tried to follow the terms and conditions of this contract and paid the account off in full as requested. These fees are just not justified to me. Comedity will not take the {$2.00} and close my account. They said I owe the total amount and will continue to dock this on my credit report. I just want to pay make this right.
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 XXXX has violated my rights. Or a 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 XXXX 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

XXXX XXXX incorrectly reported my balance on my card. They reported that I have a {$410.00} balance but I made a payment that was POSTED on XX/XX/XXXX for that amount and had a XXXX balance. 

XX/XX/2020 PAYMENT - THANK YOU XXXX LocationXXXX XXXX XXXX OH XXXX Posting DateXX/XX/2020
Product: Mortgage

Had a loan mod approved by XXXX XXXX XXXX sent in first payment then no other paperwork came call them they said they sold loan to nationstar, called nationstar they would not honor loan mod said we had to start all over with them. sent everything to them heard nothing called said paperwork missing. sent all again and again they said paperwork missing. my point of contact changed every month so im just going in circles.sale date XXXX/XXXX/15. ive been railroded out of my house. surely this is illigal
Product: Credit reporting or other personal consumer reports

I discovered that a consolidated student loan which was placed with Aidvantage and subsequently transferred to XXXX still appears on my transunion and XXXX credit reports as open and owed in full. I submitted a credit dispute to XXXX and XXXX, and spoke with aidvantage by phone asking that they update my account to reflect the fact that the balance was not owed to them and had instead been transferred to XXXX. I was told by advantage that they would do this and was sent a letter by email to that effect, however instead advantage verified that I still owe the full balance to the credit unions.