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

Firstly, there are inaccuracies on my credit reports from the different credit agencies regarding my XXXX  loan that falls under 15usc 1681. 
The XXXX  loan XXXX XXXX TransUnion states it was open on XX/XX/XXXX. On XXXX and XXXX the loan was open on XX/XX/XXXX. TransUnion states my balance is {$18000.00} however XXXX and XXXX state my balance is {$18000.00}. 

Secondly, when I filled out the XXXX  loan application I signed a privacy act form that said the school will not provide any transaction history to any third party companies which apparently they ignored. So pursuant to the family educational rights and privacy act of 1974 the school violated the act in the form.

15 usc 6802-6805 states Im able to opt out of financial institutions in giving my non public personal information to third party institutions such as TransUnion, XXXX and XXXX without my written consent or without giving me ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I never received a non disclosure option or an opportunity to opt out of sharing my information with third party agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised TransUnion and XXXX on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received ( per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. TransUnion had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX ( XXXX XXXX ) also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Subject : Complaint against EXPERIAN CREDIT BUREAU Dear Sir/Madam , I write this letter to formally bring forth a complaint against EXPERIAN for their failure to comply with the rules and regulations outlined in the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the issue directly with the debt collector, I find it necessary to escalate this matter to your attention. 

On XX/XX/2024, I sent a letter to [ Debt Collector 's Name ], requesting them to validate the incorrect information they are reporting on my credit file. In response, I received a letter from EXPERIAN claiming that my information has been verified. However, the response provided by EXPERIAN contains insufficient validation of the disputed information and fails to meet the required standards as stipulated by the FDCPA.

As per Section 809 ( b ) of the FDCPA, debt collectors are obligated to provide specific information to validate the accuracy of the reported debt. This information includes, but is not limited to : 1. The name of the original creditor 2. The original account number 3. Documentation confirming that I am responsible for the debt 4. The complete payment history, including any interest or fees charged 5. Any
agreements or contracts that evidence the existence of the debt EXPERIAN provided none of this required information in their response, which constitutes a clear violation of the FDCPA. I have made a diligent effort to handle this matter in good faith while upholding my rights as a consumer, but EXPERIAN 's actions have left me no choice but to seek assistance from your reputable organization.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take the necessary actions against [ Debt Collector 's Name ] for their failure to comply with the FDCPA. Additionally, I request that they be instructed to remove the incorrect account from my credit report, as the law mandates in such circumstances.

I have attached copies of the relevant correspondence for your reference, along with any supporting documentation regarding the inaccuracies in my credit report. Please let me know if any further information is required to facilitate the investigation.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation and uphold the rights of consumers.
Product: Debt collection

My recent credit report is showing multiple collections that I never received written notificationcommunication about so I had no time to dispute them on my behalf. I am also requesting debt validation persuant to 15 U.S. Code 1692 G, in this debt validation I am requesting a detailed list of my history of payments made by me on this account, I am requesting the ORIGINAL PURCHASE AGREEMENT, contrat with my signature with me agreeing to pay this creditor, has there been an insurance claim filed on this account, I also want to see that you have chain of title to collect on these debts. JEFFERSON CAPITAL SYSTEM- account number XXXX, date XXXX. Without providing this information according to FCRA these accounts needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of the estoppel by the silenceXX/XX/XXXXXX/XX/XXXX( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XX/XX/XXXX balance {$5500.00}, XXXX XXXX Balance {$940.00}, XXXX XXXX XXXX XXXX balance {$750.00},XX/XX/XXXX balance {$210.00}, XXXX XXXX {$440.00}.
Product: Debt collection

My COMPLAINT XXXX is obligated by the F'CRA to report accumte accounting. consumer has advised ALL the inquires reported was fraud, said company hnd 4 days according to LAW to remove such items. PTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX XXXX IS days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink siganture, consumer is Not asking for an XXXX report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 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 XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refitse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

Originally disputed this fraudulent account back earlier around XXXX and was able to remove it from my credit report. I then now fast forward to XXXX on XX/XX/XXXX received a call from this debt collector around XXXX XXXX   to my personal cell claiming to have an account which I owed debt to. I argued and insisted that the debt wasn't mine and wasn't legal or binding as it was a result of identity fraud which I had already spoken with the original creditor XXXX XXXX XXXX to remove and close the fraudulent account that was opened without my permission and authorization as I was legally not able to enter any binding contract and lenders like the bank and debt collectors couldn't collect unpaid debt for this credit card as the account opened at the time was a result of identity theft and the fact I was under the legal age of 18. The account was opened 5 years ago prior to when I could of entered into a binding contract with lenders which was this account was illegal and fraudulent account being opened as I had no method of paying back any debt as I had no independent ability to pay any payments for any form of debt. Under the Credit Card Act this law states 226.51 ( b ) ( 1 ), credit card issuers can not open a credit card account for consumers under age 21 unless the applicant submits a written application as well as having financial information that the applicant must have the independent ability to make minimum payments for the credit extended. Both of which I never had first given any written signed application to the lender and second being able to financially pay for this debt. XXXX XXXX XXXX  has since then removed the fraudulent account from my report but however I got this call with a lady speaking on the phone claiming this is a valid account ( which I also have a recording of the call ), trying to convince me that this is a valid debt as if I didn't know any better and provided information such as my DOB being incorrect and stated herself the account was opened in XXXX and threaten to damage my credit which I had just started building upon recently. I've reached out to the collection agency regarding this account as it shows it's from XXXX back when I was merely XX/XX/XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID as well as filed and attached the FTC Identity theft report to provide valid proof and information that this account was opened under fraudulent methods and the repeated calls and letters being sent that they are doing are illegal yet no action from them has been taken to stop this. I'm already thinking of filing a police report if that to help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me. At this point I'm considering reaching out to a lawyer to the state attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while serving oversee. The perpetrator tried to open up the following accounts in my name. I demand that the following inquiries be removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and the inquiries I am disouting are the results of such crime. The letters I sent on XX/XX/XXXX are complete with attachments such as my Driver 's license and SSN. I also attached the ID THEFT REPORT I received from the FTC and yet the Credit Bureaus have done nothing to remove these inquiries. The Credit Bureaus willfully negelceted the FCRA section 605b and continued reporting the disputed inquiries despite the inquiries being in dispute. I haev read enough to understand my rights under the FCRA which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, I am requesting that the Credit Bureuas remnove the following inquiries completely from my Credit Report : XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX 202
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to forcefully address a critical matter regarding inaccurate personal information on my credit record. This information is unequivocally false and has no association with me.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX ( around XXXX XXXX  ) - My friends and I were in line waiting to see someone about buying a table at XXXX XXXX  XXXX in XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ). 
This guy, XXXX XXXX approaches my friends and I saying he'd like to buy us a table, told me his ex took his debit card and he'd XXXX  me the amount to pay for the section. He handed me his phone to XXXX  myself and I used my card to pay for it. 

XX/XX/XXXX - My XXXX  stops working. 

XX/XX/XXXX - Called Wells Fargo and they let me know this random man I did a favor for claimed fraud/scam against me. Barred me from using XXXX. 
Contacted XXXX about security tapes from when he gave me his phone to XXXX myself outside the club and us going in + tapes of him and all of us at the section that night. Also requested receipt and any other info. Told the agent I spoke to at the bank to file a claim back at him.
Product: Credit reporting or other personal consumer reports

I could not reach all XXXX of the credit bureaus, I could NOT get past the automated system to address this concern. XXXX XXXX shows a debt to collect for XXXX XXXX when in fact I do not owe them anything, I won the Judgment in court against XXXX XXXX and they owe me {$860.00}. I want this off my credit report immediately. I have attached the certified judgment in my favor against XXXX XXXX. On the XXXX of XXXXXXXX XXXX, I will petition the courts to freeze XXXX XXXX assets until they pay me. This document attached is to be sent to all XXXX credit reporting agencies and if they fail to comply and not take this off my reports, I WILL SUE ALL XXXX AGENCIES AND XXXX XXXX.
Product: Checking or savings account

I call Wells Fargo and reported an illegal electronic ATM transferred money.. they said they would investigation. Someone stole my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Transunion credit report that i didnt authorize the dates of these inquiries is XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX i called Transunion and spoke to 2 different representatives about doing a dispute and investigating these inquiries the first representative told me i needed to get a police report the second representative said they could not remove the inquiries but she never put in a dispute for them I have sent letters to the companies and sent a certified letter to Transunion i havent heard anything from them or the companies. I called the companies as well but they couldnt give me any information because i am not one of there clients. I wrote Transunion a letter 2 times
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS WERE TO BE DELETED OR REMOVED DUE TO THE FRUAD USED TO OPEN. WHY HAS IT REMAINED IN A CLOSED FILE YET STILL REFLECTING UNDER MY REPORT TOTALLY NOT GOOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In early XXXX we received a pre approval for a VA mortgage through USAA Federal Bank ( Loan Application XXXX ). We are attempting to buy a home in XXXX XXXX  as my wife received an employment offer in the immediate area. We moved to a rental in XXXX while the loan was in process for a home that we had placed under contract. We received pre approval and began the application process during the entire month of XXXX. On XX/XX/XXXX. We were informed that our loan application was denied because we had placed our present home into forbearance when we were employed in XXXX   and there was concern over our continued employment hours. During the loan application process we were asked to bring our existing home mortgage current which we have done. USAA stated that they required that all existing mortgages demonstrate 12 consecutive months of mortgage payments. It is our understanding that the federal forbearance mandate precluded any negative credit issues in regard to our credit rating. Our credit does not reflect any negative issues in regard to the mortgage or any other negative credit issues. We feel that the USAA Federal Bank has violated the federal mandate in regard to our VA loan application as they did not accept temporary forbearance in determining our loan. In addition the home is under contract and will close in late XXXX. USAA one day later after notifying us of the denial to continue a {$500.00} dollar appraisal which we had paid as required by USAA. We are now out the {$500.00} appraisal fee. We have contacted several individuals in the mortgage department and have only received confirmation that the loan application was denied due to federally granted forbearance. We would appreciate someone to determine the appropriateness of the denial and the loss of {$500.00}. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accountson my report.Please remove these account from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX  THIS IS IN RESPONSE TO CFPB:XXXX TODAYS DATE:XX/XX/XXXX I HAVE NEVER RECIEVED A RESPONSE INTOTHIS INVESTIGATION DATE BACK TOXX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I have obtained a recent copy of my credit report and have come to notice that there are just a few outstanding collections that I have no verification and or validation from and have asked the CRA Equifax to take care of these issues for me.
The ones that are troubling are the medical collections in which may be violating my patient confidentiality and is a HIPPA violation.
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Certified letter has been sent to Equifax requesting the same.
Tracking number XXXX - Equifax Credit Information Services, Inc
Product: Consumer Loan

The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.
Product: Debt collection

Account number XXXX I recently pulled my credit report and seen that Hyundai Motor Finance has this on my credit report as charge off. However I have never received a 1099 C Form. Since this account was reported to the IRS as a loss. I never received the Cancellation of debt notice .Therefore, this account is inaccurate and has to be removed off my credit report.

This dispute is according to law 15usc 6802.

Please consider this letter as a formal dispute of debt of XXXX by Hyundai Motor Finance and needs to be removed immediately I kindly request that you respond to this Failure to do this removal is and will be considered a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

This is not a dispute or a debt validation request ; this is a formal demand for First Progress to comply with the Fair Credit Reporting Act ( FCRA ) and remove account XXXX from my credit report due to its failure to provide sufficient documentation to fact-check the accuracy of its reporting. This account is inaccurately reporting different open dates across all three credit bureaus, inconsistent payment history, varying payment statusXXXX bureau reporting 120 days late while another reports 180 days lateand conflicting " Date Last Active '' records, with some reflecting XXXX and another showing XXXX. Under the FCRA, furnishers and credit bureaus are required to ensure the accuracy and completeness of the information they report, yet First Progress has failed to provide the necessary documentation to verify or correct these discrepancies. This constitutes negligent reporting, and I am aware of my rights to statutory damages of up to {$1000.00} per violation. Additionally, I acknowledge the arbitration clause in place with First Progress ; however, to prevent further escalation, I demand the immediate removal of this account due to its inaccurate reporting, failure to provide verification upon request, and noncompliance with FCRA regulations. Credit reporting companies and furnishers have a legal obligation to assure the accuracy of consumer reports, and First Progress has failed to uphold these responsibilities. I request that the CFPB investigate this matter promptly and enforce corrective action to ensure compliance with federal law.
Product: Debt collection

i am unaware of this debt your company is reporting on my consumer report XXXX dint have the opportunity to dispute this information, if in fact you believe your company gave me proper notification please send me the certify request with my name and signature that stated that I have received this communication. 

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  - {$1700.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
SYNVS/FD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 off my report with monetary relief for damaging score or provide proof in writing within 30 days.