23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produced and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

I contested this debt as being partly and possibly entirely invalid on XXXX. 

I had multiple conversations with XXXX XXXXXXXX, the original holder of this debt. Two items on the bill are incorrect. The other two charges are debatable, but difficult to discuss because, despite multiple conversations with representatives of XXXX XXXXXXXX they refused to explain what the charges are for. They also refused to remove the incorrect items. 

The incorrect items add up to {$610.00} and are invalid. The items we need an explanation for are the Lease Responsibility Charge of and the Move Out Paint charge. 

Furthermore, there was no accounting of our security deposit on the original bill. 
This could have been handled quickly and fairly, but XXXX XXXXXXXX refused to communicate with me or respond to any of my requests for information or corrections. 

On XXXX, we were advised that they had filed a credit item on us, forcing us to make the payment or not be able to move into a new facility.
Product: Vehicle loan or lease

TD Auto Finance has been calling my friend, XXXX XXXX XXXX XXXX times a day for my debt. At no point did she consent to this harassment, and calling my friend for my debt is crossing the line. 

Also, they have still been calling me XXXX times daily after the last complaint. They have added a disclaimer on the payment page that supposedly allows them to resume their harassment. So just by making a payment, this allows them to resume the harassment? I never gave consent to that, I was just trying to make a payment.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX 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.t
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally dispute the reporting of a charge-off listed on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). This dispute is being submitted in light of the recent CFPB v. Experian case, which found that Experian failed to properly investigate and correct errors in credit reports, particularly regarding charge-offs and other negative entries. 

Details of the Disputed Charge-Off : Creditor Name : XXXX XXXX Account XXXX XXXX XXXX Balance : {$5000.00} Creditor Name : XXXX Account Number : XXXX Balance : {$4400.00} According to the findings in CFPB v. Experian, the Consumer Financial Protection Bureau ( CFPB ) alleged that Experian had systematically violated the FCRA by failing to thoroughly investigate disputes and by continuing to report inaccurate information about consumer accounts. Specifically, Experian was accused of not fully verifying the accuracy of negative items like charge-offs, even after they were disputed by consumers. This case is directly relevant to my current situation, as I believe this charge-off is inaccurate, and Experian has not conducted a sufficient investigation to resolve the matter. 

In light of the ruling, I am requesting that Experian : Conduct a full and fair investigation of the charge-off in question and verify its accuracy with the original creditor and send me a copy of a contract with my wet ink signature and account information with full payment history. 

Remove or correct the charge-off entry if found to be inaccurate or improperly reported, in compliance with the requirements of the FCRA. 
Provide me with written confirmation that the charge-off has been investigated, and if applicable, an updated credit report reflecting the necessary corrections. 

The CFPB v. Experian case highlights the importance of credit reporting agencies adhering to their legal obligations to ensure that all information they report is accurate, complete, and verifiable. Given this, I expect Experian to fully comply with the regulations and rectify this charge-off on my credit report if it is found to be inaccurate. 

I would appreciate your prompt attention to this matter and a timely resolution. Should this issue not be addressed satisfactorily, I will not hesitate to file further complaints with the CFPB or take additional legal steps. 

Thank you for your cooperation. 

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

My identity has been compromised. I found out becausXXXX XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report through XXXX XXXX it shows a hard inquiry on XX/XX/XXXX from a XXXX/XXXX in which I did not apply for credit anywhere so I have no idea who this is or where this credit application came from. I did lose my wallet in XXXX XXXX, Virginia in XX/XX/XXXX-XX/XX/XXXX so not sure if someone has used my information from my information in my lost wallet.
Product: Credit reporting or other personal consumer reports

I asked for information & proof of me signing a contract and they couldnt provide any proof of that. 

XXXX XXXX XXXX XXXX # XXXX I never had a contract this was aggravated identity theft.
Product: Debt collection

XXXX XXXX, XXXX VIOLATED THE STATE DO N'T CALL REGISTRY TWICE, 3 STATE CONSUMER LAW 'S AND DECEPTIVE COLLECTION PRACTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have requested validation of debt at least 10 times they send me a reporting debt was verified, but they dont tell me how it was verified or do not show any proof that my debt is valid. This is fraud and I am unable to move forward in any of my professions and personal goals of a home because of these
Product: Credit reporting, credit repair services, or other personal consumer reports

The IC systems company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from XXXX  which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. IC systems and XXXX are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to XXXX  to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and XXXX  to pay for the damages for my pain and suffering. I spoke to XXXX and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

Please help me to found out if I was eligible for money. I did use XXXX XXXX to monitor my credit. Please contact me. XXXX or email at XXXX. Thank you
Product: Money transfer, virtual currency, or money service

I was trying to purchase shoes on XXXX XXXX so he said to send it through XXXX and he will ship the shoes and once i sent the money he never sent anything p
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date XXXX XXXX I sent a letter certified mail tracking number : XXXX To XXXX XXXX XXXX account number XXXX. Transunion, XXXX And XXXX claims to have done a investigation, but how is that possible if i have not received a response they proclaimed the debt was validated, but provided me with no documentation as proof. Additionally Account type, Account details, Account status, Balance, Last reported date, date last reported, high credit, date opened are either reporting wrong or incomplete information. These are inaccuracies on my credit profile and i demand they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXXection 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently being reported on my credit report and request its immediate reinsertion. I have previously disputed this information and it was either removed or updated, however, it has reappeared on my report. This is causing significant harm to my creditworthiness and I am requesting your prompt attention to this matter.

Attached is the accounts affected
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/2024 Hello Experian, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - elete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for what I believe to be unfair and unlawful practices in the handling of my credit report, specifically the reinsertion of a fraudulent tradeline that had previously been removed. 

On XX/XX/XXXX, I successfully disputed a fraudulent tradeline associated with XXXX XXXX, account number XXXX, which Experian acknowledged by removing it from my credit report. Surprisingly and without any justification, this same tradeline was reinserted on XX/XX/XXXX. This action not only violates the Fair Credit Reporting Act ( FCRA ) but also falls under what I contend to be unfair practices in violation of the Consumer Financial Protection Act of XXXX ( XXXX ). 

The reinsertion of a previously disputed and removed tradeline suggests a failure by Experian to properly verify and match newly reported tradelines to those previously identified as inaccurate or fraudulent. This negligence has not only affected my credit score but also my mental and financial well-being as I face ongoing challenges in securing credit. I have attached documents. 

Attached, you will find copies of the correspondence with Experian, the FTC Identity Theft Report ( FTC Report Number : XXXX ), and other pertinent documents that support my claim. These documents clearly show the tradeline in question is fraudulent and was initially removed by Experian, making its reinsertion a clear error on their part.
Product: Debt collection

I am writing this letter in regards to a debt that I allegedly owe to bridgecrest company. I requested a validation of this debt under the provisions of the Truth in Lending Act, 15 U.S.C. 1601 et seq. but i never received that As per the requirements of the Truth in Lending Act, I am entitled to receive a written verification of the debt that I allegedly owe to this company. This verification should include all relevant details of the loan or credit agreement, including the original amount of the debt, the current balance, the interest rate, and any fees or charges that have been added to the account. they have re-aged my account so i requested this and i never received it. 

I am requesting that they provide me with the following information : A complete and detailed accounting of the debt, including the original amount, current balance, and all charges or fees that have been added to the account. 

A copy of the loan or credit agreement that I allegedly signed, along with any amendments or modifications that have been made to the agreement. 

Documentation of the authorization or assignment of the debt to your company, including the name and contact information of the original creditor. 

Verification that your company is licensed to collect debts in my state. 

Please be advised that until you provide me with the requested information, I dispute the validity of this debt and request that you cease all collection activity, as per the provisions of the Fair Debt Collection Practices Act. 

I would appreciate a prompt response to this request within your receipt of this letter. If you are unable to provide the requested information, please inform me in writing and provide the reasons for your inability to do so. 

i have checked my credit report and i see that this account is now listed as closed by bridgecrest and dropped my credit score XXXX points. this re-aging of my account has harmed me again. 

i did not have an account with bridgecrest so i do not know who these people are. 

these people were emailed by me and never responded back.
Product: Credit reporting or other personal consumer reports

Confirmations number was provided for completing form for XXXX and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.