23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sunrise Collection / XXXX ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.
Product: Credit reporting

XXXX says I already received a free credit report while I did not. I went through XXXX and their site gave an error, stating technical difficulties. I tried again and they say I already received it. FIX THIS and Give me my credit reports! 

Trans Union can not verify my identity. They ask what county I lived in in XXXX. They did not have the correct answer, though there was a county I lived before XXXX as one of the options. I picked None Of The Above. They did not accept it as the correct answer. But the correct answer was " None Of The Above '' as the only county I lived that showed up as an option was NOT the county I lived in in XXXX. Now they deny to give my free credit report. 
You can not ask me to take extra burden to receive my legal free credit report online. Fix this and Let me access my free credit report online ASAP. If you do not, I am taking all of you to Federal Court.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Validation or Removal of Disputed Account XXXX  ( Original Creditor : XXXX  ) Dear [ TransUnion, XXXX, XXXX ], I am writing to formally dispute and demand immediate validation of the XXXX account ( Original Creditor : XXXX  ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$170.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Account Status : Derogatory/Collection/Chargeoff I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information reported. In accordance with the FCRA, I request that you validate this account or remove it from my credit report. Specifically, I demand : Original documentation proving that I authorized the opening of this account. 
Records showing any payments or transactions made under this account. 
Verification from the original creditor, Spectrum, that I am responsible for this debt. 
The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g also mandates that any collection agency must provide validation of a debt when requested. Reporting unverified or inaccurate information constitutes a violation of both the FDCPA and FCRA. 

Moreover, XXXX5 U.S.C. 1681s-2 ( b ) requires that the credit bureau must stop reporting the disputed account until it is verified. If you can not provide verification of this account, I demand that it be removed from my credit report immediately, as is my right under these laws. 

Please provide written confirmation of your investigation within the 30-day period as stipulated by law. If this account is not validated or removed promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX XXXX
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX 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 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 have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XXXX XXXX however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I submitted a dispute to this company several times for the following accounts. XXXX XXXX account ending in # XXXX I was entered into a hardship program with XXXX XXXX and the agreement was that if I brought my account up to date within 3 months in XX/XX/year> the late charges would be removed. They did not honor their agreement as promised. The late charges are still showing on my account for XXXX, XXXX, XX/XX/year>. I also submitted a dispute for XXXX XXXX account ending in # XXXX. I was entered into a hardship program with XXXX in agreement where the agreement was that if I brought my account current they would remove any late charges. There is a late charge on my report for XX/XX/year> that has not been removed. They did not honor their agreement. I filed a dispute online with Experian report # XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This company is illegally attempting to collect a debt for a new vehicle that was a lemon. Dealer lied about after market parts stating front foot rest could be moved to mids to sell bike in middle of winter while I was dealing with XXXX after telling dealer I just attended my cousin funeral they used deception and fraud to con me. The bike never started before purchase and dealer promised to put in new battery, they didnt. Bike was delivered and still does not start. Bike has had oil light of since day one and it was a brand new motorcycle. Dealer knew Im a new rider knowing nothing about motorcycles they delivered bike with oil missing to damage motor an attempt to get more money from me. Dealership is XXXX and has cars with confederate flags out front and they discriminated against me during this purchase. Dealer unlawfully added price of helmet, XXXX, jacket and put funds on get gift but charged price into loan to make price of bike higher then suggested msrp. This is a lemon vehicle under Missouri law and dealer has cheated me out of thousands of dollars and ruined my credit report! They stated they wanted {$9700.00} first to settle then collections changed amount to {$11000.00}, constar should be called con artist.
Product: Checking or savings account

I believe this bank should be investigated for possible violation of the EFA Expedited Funds Availability Act ( EFA ). Specifically, Subpart B, VI, regarding availability of funds deposited. On XX/XX/2022, a personal check drawn on XXXXXXXX XXXX for {$15000.00} was deposited into XXXX Bank of America ( BofA ) personal checking account at the BofA location at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Upon inquiry, the teller indicated that funds would be available the next day. If BofA is delaying the funds based on " Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ), '' then notice should have been given at the time of the in-person deposit. If BofA is invoking " Reasonable Cause to Doubt Collectibility ( 229.13 ( e ) ), '' then " it must notify the customer, in writing, at the time of deposit. '' Later, we received notice that a deposit hold was placed on this transaction and the funds would not be available until XX/XX/XXXX, a total of 8 business days after the deposit was made ( deposit was made prior to XXXXXXXX XXXX. ). If BofA is found to have rightly invoked an exception, then " Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) '' specifies that, " For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than one business day for on-us checks and five business days for local checks. If a depositary bank extends its availability beyond these timeframes, it must be able to prove that the extended delay is reasonable. '' I do not believe there is any reasonable claim for delay beyond the required five business days. Many thanks for investigating this case in order to protect consumers from unreasonable delays in our electronic banking age, the goal of the EFA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my XXXX credit report related to an account with Affirm, Account Number : XXXX. The information reported by Affirm is incorrect, and I would like your assistance in resolving this matter. 

The account in question is marked as " Paid, Closed, '' with a {$290.00} balance written off. However, this is inaccurate because I paid the full balance directly to Affirm, and no amount was written off. The account should reflect the accurate status of " Paid in Full '' with no write-offs. 

I have already attempted to address this matter with Affirm without success, and I am now requesting your assistance to correct this error. This inaccurate information is negatively impacting my credit report, and I would like it corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX US DEP ED. There were also several inquiries that I know nothing about 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 XXXXXXXX. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit bureau report, there is a " hard '' inquiry listed by XXXX/XXXX  that is outdated. 

I have contacted both Equifax and XXXX in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.
Product: Bank account or service

There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called the XXXX XXXX XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call the XXXX XXXX XXXX. I was caught in a XXXX with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.
Product: Credit reporting or other personal consumer reports

I have written to TransUnion for the last 2 months asking them to validate my disputes with my sign. All I'm getting back is account has been validated. That doesn't not show proof I did it.
Product: Debt collection

XXXX is reporting inaccurate information on my credit file, and trying to collect I do not owe. This debt was paid, and they are in clear violation of the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

I also request that my credit profile be updated with the accurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They call at all times of the day and night. I repeatedly tell them I am not in the financial position to pay back my student loans but they will not stop harassing me with the same threatening words and of suing. I know as a former student I am fully responsible but I am on a fixed income and can not pay the debts at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my credit corrected.
Product: Vehicle loan or lease

I purchased a new truck on XX/XX/XXXX. I sold my old truck to XXXX. They retained the balance of my car loan due to Chrysler Capital. On XX/XX/XXXX my autopayment to Chrysler Capital on the old XXXX truck took place. The amount was {$410.00}. Chrysler Capital instead of returning the money to my account OR returning it to me via a check. The company, Chrysler Capital, returned it via a prepaid debit card. This card has a $ XXXX  monthly fee starting on XX/XX/XXXX. I can not pull the cash straight off the card, because the card is not allowed ATM access. How is this allowed? They are expecting that no one can spend exactly the {$420.00} balance on the card, and they will get to keep the balance. Or people will forget about the card and they can charge the {$3.00} fee each month. I never agreed to have the money returned by a prepaid debit card. The default shouldn't be a difficult way to receive the full money due.
Product: Debt collection

I initially disputed Account # XXXX with XXXX XXXX XXXX, XXXX via the 3 credit bureaus on XX/XX/XXXX. I received notice from the bureaus stating that the account was verified and proven to be mine yet I was never sent validation from XXXX XXXX XXXX, XXXX. I then disputed the account again and received the same response and no validation. After a 3rd attempt, I was finally sent 3 different billing statements to verify my mailing address but I had asked for validation that the debt was mine with proof of signed contract and agreement to pay the original creditor and/or PRA. All 3 statements that I was sent had different amounts from the amount that PRA was attempting to collect. This really made me feel like this was a scam. I had spoken with someone on the phone from PRA and was yelled at everytime I called. I informed the person that I had spoken with each time that this account did not belong to me. When I email this company, they advise me to call them. All of my attempts to communicate effectively with this company have been unsuccessful. PRA is violating my rights as well as the laws of the Fair Debt Collection Practices Act ( FDCPA ). These violations fall under sections [ 15 USC 1692f ] 808 ( 1 ) and [ 15 USC 1692g ] 809b for misrepresenting the amount owe and failure to validate before reporting to the credit bureaus. I sent PRA a validation letter on XX/XX/XXXX and I've received 6 letters stating that they have already responded to my dispute and will no longer investigate. This has been their response throughout this whole process and I still have not received any validation just billing statements for amounts that do not match the balance that they state is owed. One statement states there's a {$0.00} balance but {$1000.00} is due. There's three other statements with balances of {$3100.00}, {$3900.00} and {$3300.00} but Portfolio Recovery is collecting on a balance of {$4000.00}. None of this makes sense and it has not been validated and must be removed from all 3 of my credit reports immediately.