23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX XXXX ( ORIG  CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX )
Product: Credit reporting or other personal consumer reports

I have never lived there. I never signed any lease there. I have never had anything registered there, any mail there, that address is not tied to my name anywhere. I have a lease in my name to prove I was living somewhere else at the time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear [ TRANSUNION, XXXX AND XXXX ], First I would like to say that the company provided no proof of alleged debt. Secondly, they sold the debt in which I would like them removed considering they sold the debt per letter they sent on here. Theyre saying they dont even have the debt anymore.

I am writing in response to a notice I received regarding an alleged debt with your company. I hereby dispute this debt in its entirety and request verification under the Fair Debt Collection Practices Act ( FDCPA ).

In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX My information may have been impacted by the XXXX XXXX XXXX XXXX XXXXXXXX and may have got into the hands of the wrong person XXXX ( XXXX ) Impact : XXXX XXXX people Details : XXXX, one of the largest credit reporting agencies, suffered a breach where personal data such as Social Security numbers, birthdates, addresses, and drivers license numbers were exposed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX guest reservation system was compromised, exposing passport numbers, credit card details, and other personal information of hotel guests.
Product: Credit reporting or other personal consumer reports

I have asked at least 3 times for the original purchase agreement from the original creditor and signatures from all parties involved. Because I have had different companies reach out to me about this same alleged debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX05C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading information on my credit report, despite my numerous efforts to have it corrected. The existence of these erroneous entries has severely impacted my life, causing significant stress and XXXX. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this fraudulent information associated with my name and credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your company, specifically regarding my accounts with XXXX, XXXX, and XXXX. 

As per my records, the dates of the accounts opened are as follows : XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. Furthermore, the reported high credit amounts are XXXX- {$430.00}, XXXX- {$430.00}, and XXXX- {$580.00}. 

However, the dates of the last report provided by your company are incorrect. The accurate dates are XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile. 

Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts. 

I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information. 

To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly.

It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile. I implore you to take the necessary steps to correct the information promptly and ensure compliance with the law. 

I appreciate your attention to this matter and your prompt action in rectifying these inaccuracies. Please provide me with written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

To Whom it may concern.. 

XXXX XXXX XXXX Account number XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX XXXX XXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within XXXX days of receipt of this letter as provided by law. 

If the company XXXX XXXX XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within XXXX days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( 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 consumercan exercise that nondisclosure option. 


15 U.S.C 1681s-2 ( A ) 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. 

Show me written evidence that XXXX XXXX XXXX complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX XXXX Account # 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including XXXX, XXXX and Tranunion. Also XXXX XXXX and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX
Product: Credit reporting

HARD MONEY LENDER AGENTS WHO ARE NOT EVEN LENDERS/BANKS ARE SHARING MY CREDIT FILE AND PERSONAL CREDIT INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER AMONG THEMSELVES. 
THERE ARE COMPANIES SUBMITTING HARD INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION. 
I HAVE TO KEEP FREEZE ON MY CREDIT FILE TO AVOID RUNNING MY CREDIT BY THESE AGENTS. 
THE HARDMONEY LENDER INDUSTRY NEEDS REGULATION AND MONITORING AS AGENTS WHO ARE INDIVIDUALS OBTAIN ALL PERSONAL FINANCIAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I did a wire transfer of {$99000.00} and on XX/XX/2022, I did another wire transfer of {$11000.00} to XXXX XXXX XXXX XXXX XXXX XXXX in Account with XXXX  XXXX XXXX. The Chase staff that handled the transfer excluded " XXXX XXXX '' from the Beneficiary 's name. I immediately complained she told me that the system could not take more names and assured me that the Beneficiary will be credited. 
The XXXX  XXXX XXXX refused to credit the Beneficiary because of incomplete names. Up till now, the beneficiary has not been credited and all attempts to get Chase Bank correct it failed. 
I went to Chase Bank XXXX XXXX XXXX and XXXX where Idid the transaction but they rather referred me to their ONLINE TEAM. The online team still couldn'thelp. 
I asked for the refund of the fund back to my account. This they have failed to do. 
This has negatively affected my business. 
Please prevail on them to immediately credit my account without further delay. 
. 
Many thanks. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is allowing the listed companies to report fraudulent information on my consumer report. I am requesting the removal of the disputed accounts and my personal information from my report as they were not properly investigated. I submitted a divorce decree showing that the reported information should not be in my report. I also sent in valid proof of my identity, but Experian continues to verify and validate these names and has not removed them. Additionally, my personal information was affected by the XXXX data breach. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues align with my complaint against all three credit bureaus and the data breach with XXXX. The bureaus have admitted that they have not removed the listed accounts or personal information. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), the bureaus had only four days to correct these errors. 
Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Accounts : XXXX opened XX/XX/XXXX XXXX {$330.00} Acct # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX {$1800.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX {$28000.00} Acct # XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$6200.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} Acct # XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX XXXX  opened XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX {$280000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX {$330.00} Acct XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1300.00} Acct # XXXX
Product: Mortgage

Mr. Cooper Mortgage company charged my payment over 20times and refunded me over 20 times as of today XX/XX/2021. Then after they cleared up their mess they charged me twice which left me with a negative - {$740.00} in my bank account. Thus leaving m penniless for today which i coluld not buy breakfast this morning nor buy lunch as of right now because im at work and i do not have a XXXX on my account. Im going to have to get home so i can eat. By then itll be over 24hrs since inlast ate
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} -Late/Open XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} XXXX off XXXX / XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} XXXXCharge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} -Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} - Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} - Collection XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested, and i requesting for this to be removed from my credit report
Product: Debt collection

On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to Walter Lee & Associates and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX XXXX XXXX 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact XXXX XXXX XXXX where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.
Product: Credit card or prepaid card

Good morning, After major struggles with my XXXX Chase credit card, and with the other company involved on this matter ( XXXX XXXX XXXX XXXX XXXX ), I've decided to seek help from the Consumer Financial Protection Bureau. I've spent endless hours filing complaints back and forward with both of them. I find it shocking that my XXXX Chase credit card did not really care too much to help XXXX of their clients, after receiving a simple " no '' thru XXXX letters in different letters sent to me in their final decision. In fact, the credit card company asked not to contact again on this matter. 

I provided an extensive amount of evidence on this. I have enough evidence to prove this companys scamming costumers, but Chase Credit Card must have some sort of special relation with XXXX XXXX XXXX XXXX XXXX  ( the other company involved ). And trying to contact XXXX XXXX aXXXX XXXX XXXXl ( the company involved ) was a real waste of time. XXXX XXXX XXXX XXXXXXXX XXXX attempted fraud and scam, the second I showed up with my family on their facilities to rent a car. 

I will simplify with a quick timelime of events. 


XXXX I arrived with my family at XXXX Car and Truck Rental, a requested deposit of {$150.00} was placed in my XXXX Chase XXXX. They tried to charge twice, because I showed up XXXX minutes before car reservation, that didn't happened. 
XXXX On departure, a receipt was denied, and promised via email. Never got the receipt. ( after multiples attempts to reach the company. ) Never got the deposit. ( opened a major dispute with Chase ) Start going back and forward with XXXX Chase on this. The credit card deposit was {$150.00} and it just disappeared like magic, with no receipt. No receipt what so ever still.. 

XXXX Called Chase, regarding a letter they sent me, stating the alleged disputed transaction was valid. 
XXXX. Chase got the receipt from the company. 
XXXX. Chase claimed they sent me receipt the XX/XX/XXXX. 
XXXX. I never got the receipt. 
XXXX. Chase re-sends receipt to me. 

XXXX XXXX the receipt from Chase FINALLY with a breakdown. 
XXXX After thorough review now I can see why there was never a receipt disclosing details. 
And here are the reasons : XXXX. Half of the charges were already charged on original purchase via XXXX XXXX. The other half : tolls services, these tolls services were NEVER requested when submitted deposit at arrival. Unwanted toll services and inaccuracy on CAR mileage. 

I took photos of the mileage, and everything else that was wrong. I finally got another receipt from XXXX back in XX/XX/XXXX. This took place back in XX/XX/XXXX and I finally got a receipt XX/XX/XXXX, there ws prob. no receipt, ever, when Chase got involved the made a who knows what with wrong figures all over the place. My deposit was never returned.