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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was added to my XXXX XXXX credit report. 
XXXX XXXX XXXX XX/XX/year> XXXX {$17000.00}
Product: Credit reporting or other personal consumer reports

Formal Dispute of Charge-Off, Debt Ownership, and Violation of Federal Laws. 


This letter serves as a formal notice of my dispute regarding the charge-off that American Express claims I owe. Based on evidence in my possession, the debt in question was securitized and transferred to the American Express Credit Account XXXX XXXX, as documented under Reporting File Number XXXX. Since this debt was never reassigned to American Express, your company lacks the legal authority to collect or report this debt under my name. 


Under applicable laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ) Article XXXX, and the Fair Credit Reporting Act ( FCRA ), only the rightful owner of a debt may pursue collection or report it to credit bureaus. Your current actions are in violation of these laws for the following reasons : XXXX. Lack of Debt Ownership : The securitization of this debt transferred ownership to the American Express Credit Account XXXX XXXX. According to UCC Article XXXX, a creditor must establish legal ownership to pursue collection. American Express can not provide evidence of such ownership without documentation of reassignment. 

XXXX. Violation of the FCRA : Reporting this debt under my name as a charge-off is inaccurate and unverifiable, in violation of the FCRA. Only the legal owner of the debt can report it, and evidence in my possession shows that American Express is not the rightful owner. 

XXXX. Non-Compliance with the FDCPA : Any attempt to collect or report a debt without legal ownership constitutes unfair and deceptive practices under the FDCPA. 


To resolve this matter, I demand the following : XXXX. Proof of Ownership : Provide clear and legally binding documentation that demonstrates the reassignment of this debt from the American Express Credit Account XXXX XXXX back to American Express. 

XXXX. Cease Reporting and Collection Efforts : Until you provide proof of ownership, all collection activities and reporting of this charge-off must cease immediately. 

XXXX. Correction of Credit Reporting : If you can not provide proof of ownership, this debt must be permanently removed from my credit report, and any inaccuracies must be corrected. 


Additionally, I request any documentation you believe supports your position regarding this matter. Any future communications regarding this dispute must be submitted in writing and directed to my mailing address listed above. 


If this matter is not addressed promptly and I do not receive a satisfactory resolution within 30 days, I will escalate this issue to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ) and the State Attorney Generals Office. Furthermore, I will pursue all legal remedies available to me to protect my rights under the law. 


This letter serves as official notice under the FCRA, FDCPA, and UCC Article 9. I trust you will handle this matter with the urgency and thoroughness it requires.
Product: Debt collection

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide Me documentary evidence. 
I have never done business with your company and have no legal obligation to pay you for any services. 

I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Product: Credit card or prepaid card

XXXX is available on XXXX website. I tried to opt-in through the form. The submission returned and error saying I am not eligible. The terms shown below the form indicate I am eligible because I have an open account, its not delinquent and my card is XXXX of the XXXX eligible cards. Chase responds a few days later saying I am not eligible. The website is freely accessible by searching on XXXX for XXXX chase promo. The webpage is accessible to the public at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. Upon reviewing my credit report, I have identified several accounts that appear to be fraudulent and inaccurate. I am formally requesting that you investigate and delete these fraudulent accounts from my credit report immediately. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of maintaining accurate and reliable credit information, and I trust that you will handle this dispute with the urgency it requires. The presence of these fraudulent accounts on my credit report has a severe impact on my financial standing, and I insist on their immediate removal. 
I request that you aggressively pursue the deletion of these fraudulent accounts and provide me with written confirmation once the investigation is complete and the corrections have been made. Additionally, I kindly request that you send me an updated copy of my credit report reflecting the accurate information after the removal of these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

instead of closing accounts and working on existing balance FREEDOM DEBT RELIEF, allows the accounts to charge late fees until maxed out then over limit AND late fees I sighed up with XXXX divorce settlement payments. now 2 YEARS LATER my balance is OVER $ XXXX this after {$250.00} a month payments THIS COMPANY MUST ACTUALLY BE WORKING FOR THE CREDIT CARD COMPANY 'S most of these cards still had credit available not maxed out! NOW I OWE DOUBLE on what I started with. DEFINATLY A SHADY outfit. FREEDOM DEBT RELIF, XXXX AZ.
Product: Debt collection

I made a complaint against Lanier collection agency and their response was the debt belongs to XXXX XXXX, This response further proves my point of their unethical and deceptive practices. I am not XXXX XXXX so therefore the debt is invalid and needs to be removed off of my credit report. I already spoke with an attorney and by your own admission you have confessed to putting an debt on my credit report on purpose. You have 10 days to remove this incorrect balance and to cease and desist in your attempts to collect a debt not owed by me. Further more you are to remove the XXXX for account number XXXX from off my credit report or the next letter you receive will be from my lawyer. Also I never refused a letter of debt validation, let the record reflect that I have resided at the same address for 6 years and the company has never sent me a debt verification because they know the debt isnt mine. I have enclosed my proof for your records. As you can see the account number does not match the final bill from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$7500.00}.
Product: Credit card

I'm trying to get help because a family member of mine open my mail without consent and use all my benefits without my knowledge I just need to know what steps I need to take to file this complaint where I can receive my benefits I also have tried to freeze my personal information so they won't have any more access to my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove it immediately in my report : XXXX XXXX Date opened XX/XX/2006 Balance {$7000.00}. Please remove.
Product: Vehicle loan or lease

I got a auto loan from Wells Fargo at the end if my lease with XXXX XXXX. I payed XXXXXXXX XXXX without missing a single payment for 3 years. A XXXX dealership in Maine ran my credit check 13 times despite me stating I had a quote already from liberty mutual. This took my credit score from above 630 to below 550. I struggled to pay the payments with Wells Fargo due to financial hardship related to rising housing costs, other costs, COVID, and incident with an landlord etc. I also get paid biweekly making it difficult to pay all my bills at once or weekly. I also had a series of medical problems and was immunocompromised throughout the pandemic. The last month of XXXX and the beginning of XXXX I had to miss my car payments in order to pay more necessary expenses. I had hoped to get my tax return to pay the full balance but my return was delayed. I finally did get my return. I don't remember what my balance was. However I contacted Wells Fargo via phone to make payments and pay the full balance upon receiving my return. Wells Fargo representatives said that I could not make payments. They said I could not pay my what I owed in missed payments. They said I had 3 months to pay the full amount of the loan which was over {$18000.00} less than half the value of the car yet too much for me to pay in 3 months or my car would be repossessed. They continued to bill for those 3 months but I did not want to make those payments and then have my car repossessed regardless. I could not get a loan due to XXXXXXXX XXXX having ran my credit so much. When I got my tax return I called again. I had {$12000.00} and offered once again to pay off what I owed in missed payments or more then resume making payments. Wells Fargo again refused and stated I needed to pay the full balance of my loan or my car would be repossessed. I did not pay anything because again they said my car would be repossessed regardless. Eventually they did repossess my car. They never contacted me after that. They never sent me a check for my car being sold on auction. They never returned the contents of my car which included my XXXX children 's car seats. I
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( it may have the the first ), I called Discover to give them a routing number and an account number that a Mr. XXXX XXXX ( I  believe it was an alias ) gave me to give to Discover to pay off {$4.00}, XXXX. I called later in the day to see if the account was indeed paid off. She said it was and gave me the confirmation number : XXXX. I really didn't expect it to be paid because I thought it was a scam. Consequently, I took {$2500.00} from the account and sent it to an address in NY State. I called Discover to find out whether the {$2500.00} was interest free like the {$4400.00}. They said no, it was 27 % interest. Then I found out that I still owed the {$4400.00}. That the account that I gave them was closed. This was two days later. WHY WOULD THEY HAVE TOLD ME IT WAS PAID OFF THE FIRST TIME I CALLED? I knew then it was definitely a scam and I was burned. Can Discover be held responsible for not telling me? They could have told me that they were not paying the account until the funds cleared, which they would not have cleared because the account was closed. I WOULD NEVER HAVE GIVEN A PENNY IF I'D KNOW THAT MY ACCOUNT WAS NOT PAID OFF. I feel that Discover failed me and owes me the {$2500.00}. 

I thought it was a scam to begin with, but when she said my account was paid, I thought, well, I'll be ahead because I'm only using {$2500.00}. WRONG! 

The bank, routing number and account number given to me to give to Discover is : XXXX XXXX XXXX, routing # XXXX ; account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Product: Debt collection

In the past, multiple complaints have been registered against this company for not following through in correcting false information being filed with XXXX. 

CSR has been reporting to XXXX, that one of my addresses has been XXXX XXXX XXXX XXXX in XXXX, KS. This is false. Also, that I have lived at XXXX XXXX XXXX XXXX in XXXX, KS less than two years. Also false. I have lived at XXXX XXXX XXXX XXXX in XXXX, KS since XXXX/2014, and never XXXX XXXX XXXX XXXX in XXXX, KS. This mess is a result of the incompetency of XXXX at XXXX XXXX in XXXX, KS, in conjunction with CSR of XXXX, KS. Both parties have been given countless opportunities to correct their screw-ups, but did not. I had to pay to get my reports to see what was wrong. Again, because XXXX XXXX and CSR refused to fulfill their legal obligations. As a result, and at the request of the FTC, a formal affidavit has been filed against both parties with the FTC. 

CSR is to immediately remove the XXXX XXXX XXXX XXXX, XXXX, KS address entry from my XXXX  credit report, and to indicate that I have lived at XXXX XXXX XXXX XXXX, XXXX, KS since XXXX/2014. If XXXX at XXXX XXXX in XXXX, KS did her job, none of this would have ever happened. Her corporate office in OK is going to be sent a copy of all complaints related to this matter. 

This discrepancy is negatively affecting my mortgage application process.
Product: Credit card

I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.
Product: Vehicle loan or lease

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. American Express will be civilly liable under Title 15 U.S. Code 1692k if American Express failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Product: Credit reporting or other personal consumer reports

Dear, CFPB I contacted XXXX Fraud Department, that I'm showing a hard inquiry on my credit report ( XXXX XXXX and travel XXXX, XXXX, 2024. I told them I don't recall applying for whatever this is. I would like to get it removed. I mailed in a dispute letter on XXXX, XXXX, 2024 to TransUnion, it's passed 30 days and nothings never came of it. Haven't heard a single thing back as far as if the account was gon na stay open or if it was gon na be deleted. CFPB this is why I'm filing this complaint hoping that you can further assistant me about this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your recent contact dated : XX/XX/2009. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Debt collection

I started getting contacted by XXXX XXXX at USCB. I asked for a verification of debt and for them to stop calling me multiple times. In XXXX they sent some of the documents I requested but not all of them and then contacted me via phone multiple times.
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EQUIFAX Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with XXXX XXXX. Section XXXX and XXXX XXXX. 
Section XXXX A Section XXXX, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.