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

On XXXX/XXXX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Debt collection

A Writ of Continuing Garnishment was placed on my wages by Wakefield & Associates , LLC. I became aware of the garnishment after {$1600.00} was taken from my paycheck. I was not notified by the collection agency of the alleged debt, or my employer. Not my debt! Since I was not notified I was not given the opportunity to Reply and Request for Hearing to appeal this garnishment. This violated my rights. I was discriminated against due to my race! I do not owe this alleged debt of {$1800.00}. Any attempt to collect debt is unfair, deceptive, abusive, and in violation of the statute of limitations in the state of Utah.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that XXXX XXXX was the company that ran the report. At XXXX, I called XXXX XXXX and informed them that I did not request a credit check. I was informed that XXXX XXXX of SELFi mortgage was the person who requested the credit check. His phone number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry needs to be DELETED immediately : Capital One Inquiry Date : XX/XX/2019 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof within 15 days immediately of any or one, I would like it DELETED immediately.
Product: Credit reporting, credit repair services, 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 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. 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, has violated my rights.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) 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 the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 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 consumer can exercise that nondisclosure option.

The institutions have not furnished all 3 items above required by law.

15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency, or I will be filing a lawsuit against the financial companies and the credit bureaus for violation of my rights.
Product: Mortgage

. For the past two years since OCWEN has taken over the servicing of my mortgage I have been constantly harassed with phone calls, foreclosure threats and charged late fees when I have been complying with my contract and paying on time. Ocwen takes more than 10 days to process payments and deposit checks, claiming that I am late. I understand that Ocwen was prosecuted. The Consumer Financial Protection Bureau obtained a Consent Judgment against Ocwen, for XXXX in principal reduction and XXXX in cash to foreclosed homeowners. In spite of this court order Ocwen still continuous to violate the Consent Judgment Order, the Fair Debt Collection Practices Act with false misleading representations and unfair practices. 
I understand that Ocwen is a collection agency that services my loan. They refuse to tell me who the principle note holder is or give me contact information and this is causing me extreme anxiety as to what my legal rights are.
Product: Debt collection

The Complaint that I have is with XXXX/CARE CREDIT Over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. They continue to say that they have validated the debt but provide no proof. I have asked for evidence that bears my signature that shows that I have a contractual obligation with XXXX/CARE CREDIT I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.
Product: Debt collection

I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.
Product: Credit card or prepaid card

I received a new Citi XXXX credit card with a credit limit of {$7300.00}. I'm going on a trip to XXXX and have booked XXXX accommodations there. I wanted to pay the balances due on all three and was successful with 2 of them. When I tried to pay for the third one it was declined. The amount was {$1000.00} Swiss francs. MY 2 previous charges on XX/XX/XXXX were for {$530.00} and {$700.00}. So there was enough credit for the third charge. I notified the company that my card was being declined and told them what the rental place said. 

Here 's their email - " Hello XXXX, I hope you are well. Here in XXXX it is not allowed by XXXX XXXX to charge any Credit Cards with numbers given over the phone. I checked the payment history and the good thing is that the card number is changed in our system. However, we where informed by our credit card company that the payment attempt of XXXX for your reservation was declined by your bank CITIBANK XXXX There can be many reasons why a bank declines a transaction. It can be anything from an error in the card details entered into our website, or the address not matching the card account billing address, to the bank 's anti-fraud security system automatically declining the payment because it is a foreign or unusual transaction. It may also be that you did not complete the 3D Secure ( 3DS ) authorization step to verify your identity as the owner of the credit card by entering an authentication code. In most cases, this is a single-use security code sent by SMS to a mobile phone ( see below for further information about 3DS ). Your bank does not give us any further details. So you will need to contact your bank to resolve the issue and to have them authorize the payment to avoid another declined transaction. Then contact me so that the payment can be re-attempted. You can add an alternative credit card to the booking via our secure website if you prefer. But we would still recommend obtaining prior authorization from the card issuer to avoid another declined transaction. 

Kind regards, XXXX XXXX. The 3D Secure ( 3DS ) payment authorization system should be available through all banks and credit card providers under the following name ( s ) : Mastercard Identity Check / SecureCode Please contact your bank for further information or if you need to check if 3D Secure ( 3DS ) is activated on your credit card account.

When I called Citi and read them the email they worked with me for about 2 hours with numerous attempts to resolve the issue. They could not and said they don't know what to do now. The card should work, but it doesn't. I'd like to pay this company with this credit card and would like SOMEONE at Citi to take ownership and resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I've reached to XXXX and they said that LEXISNEXIS gave the report to them. REMOVE these Bankruptcy report from my credit report immediately. These are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/2018 from XXXX credit report, two credit card accounts issued by Bank of America, which I did not open nor authorize. One of them has a balance of {$9900.00} but XXXX   credit report does not show the account number that I can track. I notified on XX/XX/XXXX to Bank of America Fraud Dept. that I am a victim of identity theft and asked for investigation. Bank of America could not locate these two accounts using my correct full name, social security number, birth date, nor the address. Bank of America told me I need to rely on XXXX for providing full details of fraud accounts to Bank of America to resolve the issue. I have so far disputed this fraud accounts to XXXX, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.
Product: Debt collection

ON XX/XX/XXXX I WENT TO XXXX XXXX XXXX XXXX XXXX WARNER LAW FIRM IN XXXX MI AND SPOKE TO XXXX XXXX DIRECTLY TO INFORM HIM OF A DEBT DISPUTE WITH HTSP EXPRESSWAY APTS. THE DEBT FROM XXXX XXXX XXXX  APTS IS SHOWING ON MY CREDIT REPORT AS {$XXXX} OWED. I LIVED THERE UNTIL XX/XX/XXXX AT WHICH POINT I MOVED OUT AFTER MY LEASE EXPIRED IN XX/XX/XXXX. I WAS THERE MONTH TO MONTH AFTER XX/XX/XXXX AND INFORMED THEM THAT I WAS MOVING AND NOT RENEWING MY LEASE. BEFORE I MOVED OUT I TURNED IN KEYS AND SIGNED PAPERWORK. AFTER I MOVED OUT I WAS STILL RECEIVING EMAIL NOTICES THAT RENT WAS DUE. I FIGURED IT WAS A CLERICAL ERROR OR AN AUTOMATED EMAIL BECAUSE I INFORMED THEM THAT I WAS GONE. FROM XXXX XXXX XXXX I CONTINUED TO RECEIVE THESE EMAILS. FINALLY I GOT A BILL FOR {$XXXX IN THE MAIL AND HAVE BEEN DISPUTING IT EVER SINCE.I CONTACTED XXXX  AND THEY TOLD ME THAT XXXX AND XXXX WAS OUT OF BUSINESS AND A NEW COMPANY TOOK OVER. I FOUND THE COMPANY THAT TOOK OVER AND THEY HAD NO KNOWLEDGE OR CORRESPONDENCE ABOUT MY DEBT. I HAD TO CHASE THE DEBT DOWN TO GET ANY INFORMATION. I CONTACTED THE XXXXXXXX XXXX LAW FIRM VIA EMAIL AND PHONE ON MULTIPLE OCCASIONS AND GOT NOTHING BUT AN UNFULFILLED PROMISE TO RETURN MY CALL. THEY NEVER DID. I NEVER RECEIVED ANY CORRESPONDENCE FROM XXXX XXXX  LAW FIRM STATING I OWE A DEBT NOR WAS I EVER EVICTED OR SUMMONED TO COURT. I REQUESTED THEM TO DELETE THE DEBT BUT HE REFUSED. I ALSO SHOWED PROOF THAT I WAS LIVING IN A NEW HOUSE WHEN THEY STATED I OWED RENT AT XXXX. ALL OF THIS PROOF CAN BE SUPPLIED. THIS DEBT, HOWEVER INVALID AND EGREGIOUS, IS CAUSING ME TURMOIL BECAUSE I AM HOMELESS AND UNABLE TO SECURE HOUSING FOR MYSELF OR MY FAMILY. THIS DEBT IS PREVENTING ME FROM BEING A HOMEOWNER AND IS RUINING MY LIFE. ALL I WANT IS EQUAL OPPORTUNITY AND FAIR CONSUMER RIGHTS AS WELL AS FAIR DEBT COLLECTION PRACTICES.
Product: Credit reporting or other personal consumer reports

Dear XXXX  XXXX, XXXX, and TransUnion, I am reaching out regarding inaccuracies on my credit report associated with my Self Lender account. After reviewing my credit in XX/XX/year>2024, I was surprised to find late payments reported for XXXX, XXXX, and XXXX of 2024 on my XXXX XXXX  savings account. This account was specifically opened to build positive credit, yet these inaccurate entries have negatively impacted my credit score. 

I promptly filed a dispute to receive detailed explanations and evidence supporting this late payment claim. However, despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ), it has been over 40 days, and I have yet to receive the required documentation. Instead, the account status continues to update inaccurately. According to FCRA, Section 1681i, credit reporting agencies must investigate disputed information promptly and notify the consumer of their findings. The absence of such documentation violates this legal requirement.

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, I am protected from incorrect billing. Given that I have not received a physical loan from XXXX XXXX and only made monthly savings contributions of {$48.00}, these late payment reports appear to be unfounded and misleading. The inaccurate reporting of this account as late violates both my consumer rights under 15 U.S.C. 1681i and 15 U.S.C. 1692g, which require accurate and fair billing and reporting practices. 

I respectfully request the immediate deletion of this account from all credit reporting agencies. In light of our prior good-standing relationship, I also request the removal of any associated late fees and a correction of these inaccuracies on my credit report. I trust we can resolve this swiftly without further escalation, allowing me to continue a positive relationship with your organization. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Resolution Needed for Credit Report Mismatch Dear CFPB services I hope this message finds you well. My name is XXXX XXXX, and I am a new student in XXXX, having arrived in XX/XX/year>. I applied for a credit card with XXXX shortly after my arrival, but I was informed that my application could not be processed due to an issue with my credit report. Specifically, my credit report appears to be mixed with that of another individual. 

I immediately contacted XXXX upon discovering this issue. However, despite numerous follow-ups over the past nine months, the situation remains unresolved, and I have received varying responses from your team. 

As a new resident in XXXX, establishing credit is crucial for my financial stability and integration into the country. The delay in resolving this matter has significantly impacted my ability to do so. 

I kindly request that this matter be escalated to the appropriate department and resolved as a priority. I would appreciate regular updates on the progress and a clear timeline for when I can expect the issue to be fully resolved. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in correcting my credit report. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The status is incorrect for the following account XXXX XXXX  CREDIT CARD Account Number : XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax have failed to fulfill it legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed or amended the disputed account, as XXXX inaction violates federal law and my rights as a consumer. 
Recently I reviewed my credit report and noticed several inaccurate information on my account. The account is hurting my ability to obtain credit. It's my understanding that the Credit Bureaus will investigate this account for me asking you verify account listed below XXXX XXXX XXXX XXXX amount of {$21000.00} This debt has been charged off by the original creditor which means that the debt has been paid and is considered income. Since Charge off is considered income, it must be removed. Income can not be reported on credit files. FCRA letters sent to all 3 credit bureaus in XX/XX/scrub> XXXX XXXX
Product: Debt collection

Medical Business Bureau , LLC, has been harassing me for a debt that it can not provide documentation for. Despite failing to produce documents supporting their claim they continue to take steps to negatively impact my credit score. Over the past 18 months they have : - Report duplicate accounts for the same debt - Report the same account on a monthly or even weekly basis resulting in the removal date being pushed back and ensuring this never gets removed from my reports while also being able to avoid removal of successful disputes. 
- Refused to remove or amend the facts of my account from their adverse collections reporting to the three credit reporting agencies. 
- After each successful dispute, they re-report the same account with minor changes as a way to circumvent my disputes and damage my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

received a credit report and my information is inaccurate and filed a police report also because my name and information was used multiple times in fraud. told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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  These are all the inquires I seen when I looked over my credit report. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.