23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The reporting of a negative item as per 15 U.S.C. 1681s-2 ( 7 ) requires a notice be sent to the consumer. This Notice must be sent before prior to or not later than XXXX  days after furnishing the negative information to a consumer, as described in section 15 U.S.C. 1681 ( A ) p. Of this title, I am here by requesting under XXXX XXXX in good faith Proof that the Notice was sent, when the notice was sent and who the notice was addressed too regarding the furnishings this negative information. Resurgent Capital Services do not send me statements because statements are not sufficient evidence of a debt XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX. Also add a cease and desist and I want to it clear that a consumer report is also a form of communication so a cease and desist also means deletion from my consumer reports. Also show them ( CFPB ) how much it will cost in a itemized form if I choose to litigate for their harassment and abuse
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1618 section 602 states I have the right to privacy.

15 USC 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I just received a snail mail letter from Equifax. I have circled on the letter what they stated. They have been reporting back to me through CFPB that they are working on my dispute. Well, the letter tells me that they can not find my file. It is past unbelievable. 
They have totally ignored my dispute. I am uploading screen shots of what I see when I log onto my credit files in Equifax. They had completed their response to my original dispute on XXXX. They stated that they had verified the collection account as accurate. 

My original dispute stated that I had been told by the apartment manager that I did not owe anything past the point of my move out. I uploaded copies of emails between that person and myself that was written proof of my dispute. I further stated in my dispute that the collection account was false. Now I am uploading proof that the collection account was false and inaccurate. 

I contacted XXXX XXXX  who has superior management of the apartments and discovered that I had been billed for things that were past the date of my legal notice of departure. Therefore, the collection agency that filed the collection account to the credit bureaus actually filed a false and inaccurate account. My uploads show what I originally stated. I was led to believe that I did not owe anything. The false bill was filed without me knowing about it and now I discover that the account was inaccurate. I have asked XXXX XXXX  to give me a true amount I owe on the account. When they do, I am going to pay it immediately.
Product: Credit reporting or other personal consumer reports

I am writing to demand a detailed explanation of the so-called investigation process you undertook concerning the XXXX account listed on my credit report. Your response to my previous dispute was wholly inadequate, and I insist on a comprehensive description of how you conducted your investigation into this erroneous entry.

Specifically, I require the following information : Method of Investigation : A detailed account of the steps you took to investigate this dispute, including the specific methods used to verify the information provided by XXXX. 

Correspondence : Copies of all communications between XXXX and XXXX regarding my dispute, including any documents XXXX provided to substantiate the debt. 

Verification of Accuracy : A clear explanation of how you verified the accuracy of the information reported by XXXX. Include the name and contact information of the individual or department at XXXX who verified the information. 

Investigation Timeline : The exact timeline of the investigation process, including dates of all actions taken by XXXX and any responses received from XXXX. 

Compliance with FCRA : An explanation of how your investigation process complies with the Fair Credit Reporting Act ( FCRA ), specifically how you ensured that all information provided by XXXX was accurate and complete. 

Your failure to properly investigate and verify the disputed information on my credit report is unacceptable. If you can not provide a thorough and satisfactory response to this letter within 15 days, I will consider pursuing legal action for your failure to comply with the FCRA. 

I expect an immediate and comprehensive response to this letter. It is your legal obligation to ensure the accuracy of the information reported on my credit file, and I will not tolerate any negligence in fulfilling this duty.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally opting out of all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX XXXXXXXX XXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. For Account : XXXX and for Account XXXX, XXXX XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs ( Credit Reporting Agencies ) to which they have not provided documentary proof the CRAs are affiliated with the bank in any way to require my non-public information be sent to them without my authorization. Lack of authorization from me the consumer XXXX XXXX XXXX is a violation of my federally protected rights. According to their privacy policy it states as part of everyday business purposes as the consumer I can not limit sharing. If this is the case, why is 15 usc 6802 in place? The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXXXXXX XXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Product: Mortgage

Mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage with the incorrect loan end date. I have a XXXX year mortgage not XXXX  years. This transfer was initiated between these two companies, I have no control over this. But yet they both are trying to make me do the work to correct their mistake. I already have a full time job.
Product: Checking or savings account

I am filing this complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

On XX/XX/XXXX I paid a few bills on my credit report, one for XXXX XXXX with an outstanding balance ( Confirmation : XXXX ) for {$1300.00}. About a week later I signed up with XXXX XXXX to help repair my credit. After a month I noticed that charge was still on my report but being reported by Jefferson Capitol. I called them to try to give them the confirmation # and the gentleman yelled at me that " You shouldn't have paid XXXX that should have gone to us '' He told me to send over my bank statement that I had paid this so I did. Fast forward months in time and I'm still no closer to getting this taken off. I've called XXXX and Jefferson Capitol multiple times to try to get this resolved. The collection agency keeps telling me that it doesn't matter if I've paid XXXX that I still owe them another {$1300.00}. I've since sent all documentation to XXXX XXXX to send disputes to XXXX XXXX and XXXX but even if it's removed it could still show as something owed. I was told to contact you to hopefully get this taken care of. I'm trying to build my credit to help my kids go to college and I'm running out of time. Any kind of help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Account Information on Credit Report Transunion, this account is also in the COLLECTION. On XX/XX/XXXX, I obtained the result of my reinvestigation inquiry of XX/XX/XXXX, XXXX, for the account XXXX XXXX XXXX You failed to reinvestigate this account properly, on XX/XX/XXXX, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. Enclosed are copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/XXXX. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the account duplication and my identification documents. 


I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting a XXXXXXXX XXXX account inaccurately I never had a XXXX  XXXX account in XXXX  and currently I have XXXX XXXX  XXXX accounts plus a car loan with XXXX  XXXX. If I had a collection account with XXXX  XXXX do you think I would have all these accounts with them now do you think they would just give me all this credit if I had defaulted in the past that makes no sense. I had an account years and years ago that I filed bankruptcy on, but its well past the seven year statue limitations Ive also contacted XXXX for debt validation, and they did not provide an assignment agreement or a purchase contract showing they were legally allowed to collect a debt or even confirmed it was mine. This account is hurting my credit, and Equifax is allowing this misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud. XXXX and Experian data breach. Accounts are not mine. Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with EQUIFAX, XXXX and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am filing a case against the Equifax and XXXX Credit Bureaus for violations of the Fair Credit Reporting Act or FCRA, Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate information in my credit file. I am not satisfied of what the Equifax and XXXX Credit Bureaus reported some inaccurate information in my credit file. I found out some inaccurate inquiries and I never upheld these all, For this reason, I want you to help me delete these inquiries in my credit file : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX Inquiry : XXXX. XXXX, 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Credit reporting or other personal consumer reports

I called several times during the month of XXXX to ask what my options were for assistance or forbearance, as I had the money for the mortgage but it was all in money in my bank account. or evidence of this. please listen to those calls. The mortgage does not report to the bureau until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with my loss mitigatior representative for 30 minutes, named XXXX XXXX I asked SPECIFICALLY if it reports late to your credit to do a payment plan " workout option '' they called it and she said NO. She then explained how putting down some money would be an accepted option but mv mortage would be extremely high when it is due. which would be 30 davs from then. I agreed that I could save the money up For context my mortgage is {$3000.00}!! So I was agreeing to pay {$3600.00} for the next 6 months but I would have extra time to save it since I was only paying {$400.00} on XX/XX/XXXX. They sent me a list of my payment dates in the mail. and when I went to pay on XX/XX/XXXX, they reported both XXXX XXXX XXXX late to the credit bureau and our credit tanked XXXX XXXX and some credit was taken away. You all just tried to ruin our lives to get {$400.00}? I had the XXXXXXXX  How is it acceptable to lie to clients paying you this much money. Then I asked for a review of the calls and another supervisor, XXXX, called and simply said " the notes of the call were reviewed and you were advised of credit reporting ''. So it's fully ok to lie to customers at 53rd to close a deal. Let me share with you all the " advised ot credit reporting '' verbatim : " Delinquent loans may be reported to the credit bureau reporting agencies on a regular basis. Your loan may be reported until brought current ''. THAT IS ABUSIVE PREDATORY LEGALEASE. I SPECIFICALLY asked if it would report late before AGREEING to the terms, and you all are now claiming that THIS is the " advised of late reporting ''. Please do the right thing here. XXXX did not at all review my call she simply looked at the notes that XXXX lied on. They rushed me into doing a hardship application and I got it in for XXXX and they took until XXXX to give me the resolution which was a trial period until XXXX to pay a lower rate of {$2600.00} but STILL REPORTING LATE EVERY MONTH THEY TAKE MY MONEY. I am crying while typing this and I am publishing this publicly because if you have 53rd and you get any of them on the phone ASK TO RECORD IT because XXXXXXXX XXXX XXXX seem really nice but will like to save themselves quick and I do not want another homeowner to go through this.
Product: Debt collection

In accordance with the fair credit reporting act XXXX on the date of XX/XX/23 account owner : XXXXXXXX XXXX XXXX XXXX XXXX account owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 usc 1681 section 602 8 clearly states I have the right to privacy.

15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Debt collection

HI NATIONAL RECOVERY AGENCY XXXX XXXX # XXXX FOR {$69.00} ;???? 

Im confused and stressed 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: Credit reporting, credit repair services, or other personal consumer reports

My first dispute letter was sent XX/XX/2018. My second letter was sent XX/XX/2018 according to my mailing receipts. 

XXXX XXXX XXXX continues to report negative inaccurate information to my credit report. 

After the first letter, XXXX updated accounts to verified as accurate but ALL debts are paid off. XXXX   has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, XXXX sent a letter stating XXXX is attempting to collect a debt. 
XXXX XXXX XXXX has not provided valid documentation of debts owed. 
This information is inaccurate. 
XXXX XXXX XXXX is now in violation of the FCRA and continues to be in noncompliance.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point.

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 2nd straight month MoneyLion has reported my account as 30+ days late, last month MoneyLion admitted that they made a mistake and reported inaccurate information to both XXXX  and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( XXXX  and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate information