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

This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Product: Debt collection

attempting to collect on a debt that is XXXX years old and is not reported on any of the XXXX credit reporting agencies reports.
Product: Credit reporting or other personal consumer reports

I called and sent letters to EXPERIAN about the generic letter that I received about my disputes. There are two bankruptcies that are reporting on my credit report that are fraud and not mine along with an account from XXXX XXXX XXXX  texas, and 5 inquiries. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P. 

EXPERIAN has displayed no proof of validation and only send me something generic saying its validated. 

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Received live check from sunset finance out of XXXX XXXX ga *Deposited check XXXX XXXX XXXX XX/XX/XXXX *Received a voicemail from XXXX XXXX branch manager of XXXX, Ga Sunset finance XXXX number XXXX Address is XXXX XXXX XXXX XXXX stated if she hasn't heard from me by XXXX P.M. that she was getting the local authorities a call. 
*I called XXXX XXXX and she informed me I did endorse the back of the check and there was not s.s. number wrote down on it ect.. and she doesn't know how I even cashed it and so fourth ( I never endorse any check I XXXX deposited but regardless was not going to put my s.s. number and all that on it. 
* Asked about why the police was going to get involved if I didn't call her and she said she wanted to make sure it wasn't fraud and that the only fraud case they even dealt with was in XXXX ga ( I live in ga ) and that was a lie. 
* She got some information from and told me to come in the next following day. 
* I told her I was a XXXX XXXX and would be home for the next few weeks. 
*She then reminded it.wad XXXX and all that that week and I said well I guess my company got one over on me I doubt I'll make XXXX and she said they are open on XXXX  I informed her it will be a few weeks before I came back in town. 

XX/XX/XXXX I dropped my phone and it broke so I was unable to get any calls or text but had a laptop to email XX/XX/XXXX XXXX called my job and had them relay a message that she doesn't have a valid form of contact for me and I needed to call sunset finance XX/XX/XXXX TO XX/XX/XXXX * XXXX XXXX calls my job several more time to express I need to call her XX/XX/XXXX * I used my laptop and finally found a sunset finance messenger where I at least make contact with her her XX/XX/XXXX My wife received a letter from XXXX Stating that if not if XXXX and something dollars was not paid by XX/XX/XXXX that they were going to take a judgement against me for not making payments which keep in mind I haven't signed anything much less discuss any payment or how to make one, and in doing so it my affect my real property ( the house is XX/XX/XXXX XXXX responds to my email stating I needed to borrow my supervisors phone to call her which as a XXXX XXXX I don't have anyone around me that's work relate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also demand at be there at XXXX a.m. that coming up XXXX  * XXXX also changes the story on how the last telephone call went and said I promised her I would be there * She was very demanding and when she started to lie and make up stuff I told her I won't ever be meeting her and I'll contact the main office and let them know. 

XX/XX/XXXX * Received a letter stating my first payment is due on XX/XX/XXXX * Once again no one has sat down with me to do any paperwork, discuss how to pay, or anything. All that has been done is threatening with law enforcement, threatng thru emails, and ect Ps they have my new number also I made sure to give it to them. 

Thanks for your time, XXXX XXXX XXXX XXXX
Product: Debt collection

This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. 
Barclays Bank Delaware
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

T

he late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report. Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. Other adverse information, such as collections or charge-offs, must also be removed after 7 years. The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information.

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX  bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit card

I was solicited by Wells Fargo for a 'REFLECT XXXX  CARD '' offering 0 % intro APR on charges and balance transfers for 21 months and XXXX annual fee. After applying for, and receiving the credit card, the fine print states there is a {$5.00} or 3 % charge for each balance transfer. I believe this is false advertising. APR, by definition, includes all charges to obtain the credit ( loan ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion Credit Bureau is reporting inaccurate information on XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

My personal information was apart of several data breaches. I was notified by XXXX. I was notified by the credit reporting bureaucracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a car an was never told all these other inquiries would be reported
Product: Consumer Loan

I financed a vehicle through Ally Financial in 2016. I made my first payment on XX/XX/2016 which was not due until XX/XX/2016. In addition to the scheduled payment I made an additional payment to be applied to principal. However, the additional payments keep getting applied to the future monthly payment instead of the principal balance. I 've called Ally and spoken to customer service and a manager. Each time I get assured that the account will be updated and that future excess payments will be applied to principal. However, this is not occurring, I have to keep calling each month to make sure that they apply the excess payment to principal. My account transaction history is a mess because of so many reversals and postings. The account running balance is not displayed in the transaction history. I believe that Ally 's practices are illegal because by applying the excess payments to the future payment instead of the principal they get away with collecting a higher amount of interest based on a higher balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Says I lived in  XXXX   XXXX , Nebraska. That is wrong. I lived in  XXXX   XXXX   NE for only 4-6months
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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
Product: Credit card or prepaid card

In XX/XX/2019 home depot/cbna, placed a late payment on my credit report, as it turns out home depot changed my mailing address due to a notice from post office. I was not aware of the change because I was making my payments on line.
Product: Credit card

I opened a Bank of America credit card ( XX/XX/23 ) and had a balance of {$2300.00}. Using the app on my phone it made a pay-in-full instead of setting up a monthly auto pay amount accidentally. I called B.O.A. and they said they would refund the money back into my checking account at XXXX XXXX XXXX in XXXX, MA XXXX and it would take 3 months. Approximately 3 months passed and Bank of America sent me a bill for {$2300.00} and had CLOSED my B.O.A credit card account (!? ) AND the money never went into my checking account at XXXX XXXXXXXX XXXX, XXXX, MA XXXX. I tried several months and B.O.A. said it was in " ESCALATION ''. I went to a local B.O.A. branch and spoke with XXXX XXXX, VP, XXXX XXXX XXXX, XXXX, MA XXXX T : ( XXXX ) XXXX and he argued on my cell phone with the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX T : XXXX about who's fault it is and who should take care of it. No one did anything and I received a letter from XXXX. it has been resolved but I still have not received the money. I closed the account at XXXX XXXX in case fraud compromised. I still have a balance with B.O.A. and my credit is being ruined.
Product: Debt collection

A few months I sent Waypoint Resource Group a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9.. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was added as an authorized user to XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I have been removed as an authorized user for about XXXX  months now since Last XXXX. Thats XXXX billing cycles thats passed and that account is still on my credit report. Ive been trying to get this removed from my report for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

PUBLIC FILINGS US BKPT CT IL XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am making this complaint without any third parties. Experian has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and XXXX complies with federal law and provides consumers with the necessary proof of investigation. these are the account that are mark as inaccurate. 
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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX XXXX {$2300.00} XXXX   XXXX XXXX {$970.00} XXXX   XXXX {$0.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$260.00} US DEP ED XXXX {$1400.00}
Product: Debt collection

Received text message today from ph # XXXX. Messages says " Call us at XXXX or pay online using reference number XXXX at text.XXXX. Attachment of correspondence : From : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. 

My husband had filed identity theft at our local police department and has notified all agencies involved. He is not receiving these messages. I am the one receiving messages. This is harassment from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunion 's inquiry issue. I have two inquiries with Transunion that I did not approve, I need these removed. I contacted Transunion and was not successful in submitting a dispute with them. I need the following inquiries removed from my file : DEPARTMENT OF EDUCATION dated XX/XX/20 and XXXX dated XX/XX/20
Product: Debt collection

PORTFOLIO RECOVERY is trying to collect on behalf of XXXX XXXX  for an unknown debt. PORTFOLIO RECOVERY has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1400.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA