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

I am submitting this complaint because TransUnion, XXXX, and XXXX have failed to address and correct inaccuracies on my credit report, even after I submitted multiple disputes. The errors remain unresolved, and no proper investigation has been conducted. 

The violations include : FCRA 623 ( a ) ( b ) : The account I disputed was not marked as " disputed '' on my credit report as required by law. 

FCRA 605 ( c ) : The reported date of last activity is incorrect and should accurately reflect the last payment date. 

FDCPA 809 ( b ) : The company has failed to validate the collection account, despite my repeated requests for verification. 

I request the CFPB to investigate these issues and ensure the credit bureaus take corrective action to fix the inaccuracies, mark the account as disputed, and validate the debt in compliance with the law.
Product: Credit reporting or other personal consumer reports

Certainly! Heres the updated letter with your email address and phone number inserted : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Demand Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally notify you that I am requesting a cease and desist regarding any further attempts to report, collect, or attempt collection of any debt allegedly owed to LVNV Funding LLC. This letter serves as a demand under the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ), requiring that you cease and desist from reporting any inaccurate or unauthorized information to any credit reporting agencies related to my credit file. 

I dispute any obligation or debt owed to LVNV Funding LLC and request the following actions be taken immediately : 1. Cease and desist from reporting any information regarding this debt to any credit reporting agency, including but not limited to XXXX, XXXX, and XXXX. 
2. Remove any incorrect or inaccurate information related to this alleged debt from my credit reports with the credit bureaus.

3. Provide me with the validation of the debt as required under the FCRA, including all documentation and records that substantiate your claim. Without proper validation, any further reporting or collection attempts would be in violation of federal law. 

As per the FCRA, you are required to ensure that any information you report to the credit bureaus is accurate and complete. If the information you report is inaccurate or incomplete, it must be corrected or deleted promptly. If you fail to comply with these legal requirements, I will consider pursuing legal action to enforce my rights under both the FCRA and FDCPA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and taking appropriate legal steps in court. 

Please note that I do not authorize any further communication or collection efforts regarding this matter, except for the provision of written validation of the debt as outlined above. Any attempt to violate this cease and desist request may result in legal action. 

Please acknowledge receipt of this letter in writing and provide confirmation that you will cease all reporting and collection efforts in accordance with this demand. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian hasnt responded to anything Ive been sending complaints and disputes nothing is being done. They have in the past stated accounts were verified I disputed I asked for validation of steps taken to verify these accounts nothing has been investigated further action needs to be taken. Regarding these accounts Experian hasnt taken any. Also my address is stated on the mail youll sends me, also my drivers license but yet youll havent removed the other address without my apartment number thats inaccurate. XXXX and XXXX has removed many inaccurate items, and updated my scores, Experian hasnt done a thing. Theres an account XXXXXXXX XXXX reporting 30 days late to Experian but paid as agreed to XXXX and XXXX, I was told you guys have updated the system when I called XX/XX/year> which doesnt make any sense. Also theres an account XXXX XXXX which needs to be investigated on my account its reporting differently with the other bureaus, theres so hard inquiries XXXX not responsible for I have a fraud alert on my profiles Experian was late adding that which is why those hard inquiries were allowed on XX/XX/year>. Youll stated accounts were verified what methods did youll take to verify them? What representative did you speak with? What time did you speak with them? What date? What did the rep state? Also send me the validation of steps youve taken to verify each account. This is violating the consumer rights also Im aware of the lawsuit against experian information solutions experian duty is To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the " furnisher '' ) for investigation. as it states in the lawsuit which youll dont do. Please update my account and remove these inquiries Ill attach myFTC report AND IDENTIFICATION BELOW PLEASE CHECK ATTACHMENTS
Product: Debt collection

I am being harassed over medical bills that have been settled through my insurance company. I have discussed the issue with the actual debtor and my insurance companies multiple times. The dates on the bills continue to represent FALSE dates and are inaccurate. All bills have been previously settled through insurance company. Debtor and collector refuse the research and update records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my third attempt to exercise my rights and complain to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting.

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint.

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.

I am more saddened at the fact that my account is open and in good standing and I still can not have the decency of a simple removal that will benefit my family and not hurt this organization what so ever. It shows that the best interest of their customers do not matter. I am also very disappointed in the way the CFPB is allowing this process to continue with little investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The collection agency, EOS CCA, states that I owe vehicle taxes for several years from the City of XXXX CT. I called the city to verify the debt. There are XXXX issues : the first is that the collection agency 's principal amounts ( pre interest and fees ) for each of the XXXX tax years is greater than what XXXX Office states. And the second issue is that the interest and fees are XXXX % XXXX % XXXX % of the inflated principal amounts. For example, principal XXXX plus interest XXXX plus XXXX XXXX XXXX
Product: Debt collection

LexisNexis closed the complaint without addressing the inaccurate information ( complaint Number : XXXX ) This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Lexis Nexis credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a apartment rental lease with XXXX XXXX XXXX XXXX ( previously or possibly also XXXX XXXX XXXX XXXX ). This account has resulted in fraudulent collections. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made or initiated by me. The aforementioned account is the result of identity, theft and fraud. I have attached a copy of my XXXX identity theft criminal complaint, Police Affidavit of fraud, Drivers License and Social Security card as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the results of identity, theft, and fraud I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Lexis Nexis credit reporting agency block all of the accounts collections and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving said complaint I requested all written confirmation regarding this CFPB complaint be sent to me via email to the email address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges + - Provide a copy of my signature with the provider of service to release my medical informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
XXXX Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Well I received a line of credit in 2007. From that time until 3 years ago. I did not receive any mortgage statements. I don't want to loose my home.

I believed that when I modified my mortgage through one of the various save our home program by the Obama Administration, this line of credit was added to the modified loan and/or discharged. I modified the mortgage of my first loan and received favorable terms. My interest rate is now XXXX %. 
Upon being notified that I was in default, I attempted to notify the mortgage. The modification was approved provided I was able to pay over {$31000.00} to commence the modification process. The original loan amount was approximately {$67.00}. Now the balance is more than double. I am a father of 4 children. I can not afford to pay {$31000.00} in one lump sum.

Provided this lender is the proper party to file this foreclosure suit. I would like a more affordable repayment plan. I do not believe I owe this lender but, again, if they are the proper party and they have not already discharged this debt and/or collected insurance proceeds for the defaulted loan from their various lender policies. I am happy to enter into a loan modification.
Product: Debt collection

The debt was sent to collections in XXXX of 2018. I never was notified by any financial institution or medical office or anybody of them sending that debt to collections. I was then harassed by CBS Debt of XXXX Ne repeatedly. I have multiple times now disputed this debt with no avail. I have requested documentation that proves the debt is mine but neither XXXX or CBS Debt has furnished any proof. I have researched the collection company and it seems that them collecting false debts is a regular thing. I attempted to contact them thru their website but I cant even access their site as it is flagged for being unsafe and filled with phishing malware. I have also researched the original account thats listed as XXXX XXXX XXXX and I can not find any information on them either. The only things that come up are in Tennessee and Texas and I havent ever lived in either of those states.
Product: Debt collection

Debt was with XXXX XXXX XXXX XXXX ID. I already paid this company XXXX to XXXX dollars. However they kept saying they needed more time. They needed to do more applications. After 5 month of this I was fed up. I paid their first fee of XXXX or XXXX. With no results. I had renters bothering me daily. So I called up XXXX and had them come out for about XXXX dollar and they finally took care of the issue. XXXX however says I still owed them XXXX dollars. Which I refused to pay since they did not take care of my issue. They then put a XXXX dollar fee on to the XXXX making the sum XXXX dollars. Or XXXX. I forget. XXXX XXXX XXXX has now sold the debt it appears to Advantage Finacial Service XXXX. They have now said the past bill was XXXX, and they are now charging interest bringing the bill to XXXX. As far as I know collectors can't charge interest. Even if they buy out the debt. I WILL NOT PAY ANY ADDITIONAL SUMS on this since they did not meet their obligations of getting rid of the pests.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2024, I sent in separate dispute letters to Equifax, XXXX and XXXX. In the month of XX/XX/2024, I made a call to XXXX, XXXX  and Equifax not only to opt out of these agencies, but to freeze my credit report also ( Due to prior disputes as well as inaccurate and additional unauthorized transactions reported on my reports ). I also spoke with each of them requesting reinvestigation and removal of all items that are not lawfully validated. I am not too good with how to post these letters I have but I can mail them in if you like me to. And I'm pretty sure you can pull my phone calls up with them, because I definitely made sure that they were recording. They all have sent me copies of my credit reports and I see that the XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX ( inquiry ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inquiry ) still remaining on my reports without verification nor validation showing from any of them. On XX/XX/2024, I was hung up on by a guy named XXXX and had to call back. I then spoke with a lady named XXXX to dispute again. That confirmation number is XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), legal protection against inaccurate and/or unverified information reported to consumer 's reports is a MUST. Unverifiable accounts is hereby requested to be deleted.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/year> and XXXX XXXXXX/XX/year>.
Product: Money transfer, virtual currency, or money service

I accidentally sent cash to the incorrect recipient and Zelle did not request verification before sending