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

On I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Bank account or service

I put my settlement check in to bank of america and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX
Product: Debt collection

I utilized a PR person XXXX XXXX XX/XX/18 and he did not full fill services on contract and thus we canceled the work. He then hired a debt collection firm, XXXX XXXX Solomon of Solomon and Solomon, whom filed a lawsuit but never notified or me nor served me papers in regards. I never even received anything from the court itself. Since then they have been sending threatening information subpoenas to my clients and banks positioning themselves as the State Of NY Supreme Court. These tactics are completely sneaky and underhanded.
Product: Debt collection

Letter dated XX/XX/2018. Amount is {$2300.00} from a closed account. They keep pestering me to pay with letters. The letter doesn't match up with credit report so it has been difficult to determine accuracy of this. Or even if this info is up-to-date.
Product: Credit reporting or other personal consumer reports

I am writing a complaint to this company because I am certain that they have violated my consumer rights by not providing validation of debt upon my request in XX/XX/2023 in a timely matter. Also, after carefully reviewing my report i noticed some inaccuracies being reported on my consumer file from this company. Under FCRA law 15 USC 1681s ( 2 ) lenders have an obligation to report accurate and factual information on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I am the only one that can validate this debt, therefore I do not validate this debt and the following accounts must be deleted from my report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

This account to dispute was paid in full months ago in which I reported in my record that I am in arrears considerably affecting my credit report so I kindly ask that any incorrect information be removed from my report such as late payment and that the account is up to date so that it does not continue to affect my 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 : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX  and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB : XX/XX/1992 My addition address is XXXX XXXX XXXX   XXXX FL XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I prepared a letter to the CRA ( XXXX, Equifax and XXXX ) In reference of my right for privacy was violated. The credit bureau post medical collection on my credit report without my consent. 15 USC 1681 ( a ) ( 2 ). XXXX- Account- XXXX and XXXX and XXXX XXXX XXXX- account XXXX are reporting on my credit. 

There is should be no medical collections reporting on my credit report because it is a violation of hippa law and 15 USC 1681 a ( 3 ) ( b ) ( c ) - states any medical bill pr information should not be my on consumer report. 

After I received the notices from XXXX, XXXX and Equifax. XXXX removed all of the medical collections. Equifax and XXXX stated the accounts were verified. 

On XX/XX/2022 I prepared another letter for XXXX and Equifax. I sent the letters certified mail- Equifax ceritied mailXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I stressed my concerns about reporting this private information for the public. As a consumer I have the right to deny or decline what is reporting on my consumer report.
Product: Mortgage

XXXXXXXX XXXX XXXX advised us they could lower my mortgage. They took our information and charged us XXXX a month for the lowered payment but never paid freedom mortgage my lender. Now I am being evicted from my home..XXXX XXXX XXXX XXXX advised us we we not quick enough with paperwork they dropped the account but still accepted payments they never paid. They advised us to speak to our lender after asking us not to talk to our lender for 8 months. We have lost XXXX and our house because of this operation. And there is no help for a XXXX  father who lost his job and now must move.
Product: Credit card or prepaid card

I have had capital one for many years and have a total of 5 credit cards and, two auto loans, and I also bank with them. I have tried for years to get my secured card graduated, product changes, and credit limit increases. Specifically on their venture card, which should have a starting limit of XXXX but was given XXXX. I have never missed payments on any accounts and balances are low. They give meaningless/inaccurate reasons for denying credit limit increases or product changes. I have a XXXX XXXX card that Carries a high balance for a procedure that was financed. Out of my 10 credit cards, this is the ONLY card that has a high balance. Capital one is not worth the headaches and customer service is usurped because everything is controlled by a computer. They cant Override anything or transfer you to someone who can help or even answer questions. I have been given numerous differing answers for the same questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

- XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} - XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX XXXX a letter on XX/XX/, that I exercised my right to opt out yet the financial bureaus ; XXXX, XXXX, and Equifax continue to record XXXX XXXX on my credit report. My option to opt out follows 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the Experian, XXXX  and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as XXXX, XXXX XXXX or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy  court replied they did not verify anything.
Product: Debt collection

Fraudulent charges was mad to my account from XXXX XXXXXXXX XXXX, and Ive never lived there Ive been living at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX since XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 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 ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting

i paid in full they said they update to reflect payment as of new update XXXX/XXXX/16 Status : CHARGE-OFF Amount Past Due : {$430.00} Date Reported : XXXX/XXXX/2016 status should be paid in full and amount due XXXX
Product: Prepaid card

I purchased a Serve prepaid card by American Express yesterday late afternoon for my girlfriend. By the time I got to her house the {$200.00} I put on the card was gone. We check into it and it said that there was an XXXX XXXX purchase that was made. I havent even activated the card yet. Im try to get this purchase returned to me and the person locked up. That was money I sent for her not for just another person that I dont know to steal it from us. By the way the card was still in its concealed package.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Alleged Account Account Number : XXXX Dear National Credit Systems, I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim without prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 

I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 

Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

I have an account with Patient Fi for a XXXX XXXX that I have been paying on. The payments are current, and Ive actually been paying over the minimum amount. I got a call from a collection agency saying that my loan was in default and that I needed to set up a payment plan with them to pay it off. They let me settle the amount so I only had to pay half of what they said I owed. I told them that Ive been paying this loan every month on auto draft with Patient Fi and asked why they were calling me saying its been sent to collections. They said they didnt know and I needed to pay it. I set up a 3 month payment plan for $ XXXX with them starting in XXXX. So far Ive made XXXX payments to them, and I have XXXX left. However, my account is still open with Patient Fi and I forgot to turn of auto pay in XXXX so I ended up paying way more than normal. My balance on Patient Fi hasnt changed. Why do I have to pay a collection agency if my account is current and Im still making payments? The phone number of the collection agency is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 Hard Inquiries within 2 years from XXXX to current XXXX. The report is on XXXX & TransUnion on my credit account. Most inquiries I have had never recognized and were victim of its matter. They are hard pull off to monitoring my credit without my consent or permission I never asked them to do so without my authority. Here is list of inquiry from below : ( XXXX  ) XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks *Credit Technologies : XX/XX/XXXX -Miscellaneous Reptg. Agencies *XXXX : XX/XX/XXXX XXXX XXXX XXXX *XXXX XXXX XXXX : XX/XX/XXXX -Bankcard *XXXX/XXXX  : XX/XX/XXXX XXXX XXXX XXXX  *XXXX  : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  *XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Banks XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX  XXXX : XX/XX/XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks ( TRANSUNION XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Dc : XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/XXXX XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  0XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When filing disputes Experian improperly reinserted inaccurate information on my report. I thought it was corrected but I still seen the same inaccurate information reappear without explanation. Its been a few years been trying to clear my name and report. I even have different names on my account.