23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit report contains some billing errors, specifically late payments that dont reflect my actual payment habits. Please investigate and correct these discrepancies.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 
. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2024 - The following inquiry was not authorized and should not be reporting. 
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.

15 U.S.C 1681 section 602A. 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 ) ( 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.
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. XXXXAccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$10000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I have identified the following items that are 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 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 In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for their reporting. Please eliminate any information that the creditor is unable to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As mandated by the act, there should be no fee for this updated report.
Product: Debt collection

PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX NC XXXX contacted me via phone repeatedly after the attached C & D was sent and evidence received by the signed USPS certified card shows they have knowledge of it which they previously told the cfpb they did not. I want the debt validated. Two credit reporting agencies accept XXXX have removed this because I showed them this evidence. The cfpb has not done their job and neither has this creditor to follow the laws. If the that is not validated within the next five business days by USPS mail and if they do not stop contacting me I have all the evidence to pursue legal action and collect damages by law. I'm also not required to communicate with them via email or provide them my email address as I am harassed enough by them I don't need any more harassment.
Product: Money transfer, virtual currency, or money service

There was a fraud on XXXX and I reported it to Coinbase and they assured me that they were not going to release those funds, however they did against my consent. I phoned them 3 times that day, explaining them it was a fraud. 
They also sent me an email saying that those funds ( {$800.00} aprox ) where not going to be released before XXXX when I authorize the transaction ( email attached. ) however they did not follow through and released those funds on XXXX. 
I have called Coinbase for about one month now, and they have all types of excuses for not returning the funds, and they run around not taking any responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( Experian, XXXX and XXXX  ), XXXX XXXX Acct XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX  XXXX  Acct XXXX ( XXXX, XXXX ).
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company, this is not even a real company name. it says medical that is a HIPPAA violation XXXX XXXX Collections - summary Equifax XXXX XXXX Account Number XXXX Original Lender Agency Name XXXX Date Assigned XXXXXXXX XXXX XXXX Original Balance {$100.00} Current Balance {$100.00} Responsibility Individual Status Unpaid Comments Consumer disputes this account information, Medical
Product: Debt collection

XXXX is the name of the business based out of Virginia, yet I get calls every single day from around the U.S. These are not from their designated other locations and they use a different phone number every single time. You block it, they call you from another fake location. Starting from the most recent : XX/XX/XXXXXXXX XXXX, IL, XX/XX/XXXX XXXX, MA, XXXX XXXX, CA, XXXX XXXX Kentucky. They have called me from four different locations, four times in the past seven days. When you answer the phone, they very clearly are some scheme because they hang up after ten seconds of silence, every single time, and it is under the guise of attempting to collect debt if you ever call the number back, if it doesnt say the line is disconnected.
Product: Debt collection

Me and my wife was treated in the charity program at the XXXX XXXX XXXX XXXX XXXX inside XXXX  Hospital since XX/XX/XXXX until XXXX XXXX, then came this collection from laboratory and different charges.I knew we never charged until we transfer to XXXX XXXX hospital.The charges came from the same hospital x rays and the lab were do not belong to the hospital and I do not know why they charge us because we have a letter that by XXXX   XXXX XXXX that our balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 8 payments of {$1700.00} through XXXX Bill Pay recorded confirmed payments to Freedom mortgage yet, Freedom mortgage has damaged my 100 % payment history by reporting continuous damaging lies. Dropping my scores down 200 points after decades of caring and making payments 100 % on time. Freedom mortgage for example reported on XX/XX/XXXX to XXXX that the loan # XXXX was delinquent in XX/XX/XXXX, lies again as I have a first payment letter that states XX/XX/XXXX. I am currently paid through XX/XX/XXXX. In addition in a prior complaint in XX/XX/XXXX with the CFPB, a director for Freedom mortgage states he is crediting a unnecessary legal fee of {$950.00}. to add it back on XX/XX/XXXX the last statement populated or available to view as of today XX/XX/XXXX. Where is my XXXX statement? that I should have received prior to XX/XX/XXXX. For over 6 MONTHS Freedom mortgage is purposely damaging my reputation and credit scores for No reason. They get a Direct payment from me and they are not included in any Chapter XXXX. In fact they acknowledge receipt from XX/XX/XXXX by a Mr. XXXX XXXX for Freedom mortgage to the CRPB back then!
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the apparent stall tactics employed by your agency in response to my legitimate disputes under the Fair Credit Reporting Act ( FCRA ), specifically governed by Section 1681i.

Over the past several weeks, I have submitted dispute letters concerning inaccurate information on my credit report. To my dismay, your agency has repeatedly responded by requesting additional proof of identity, despite my inclusion of a copy of my driver 's license and a recent utility bill with each dispute letter. This pattern of behavior raises serious concerns about compliance with FCRA regulations, specifically Section 1681i, which mandates a reasonable and timely reinvestigation of disputed information.

It is essential to highlight that the FCRA explicitly requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute. This reinvestigation is to determine the accuracy of the disputed information and to record the current status o
f the information or delete the item from the file if inaccurate.

Given that the 30-day timeframe has elapsed without a resolution, I must insist on a prompt deletion of the accounts in dispute. The persistent delays not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA.

The constant requests for proof of identity beyond what is reasonably necessary not only appear to be in violation of the FCRA but also contradict the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). The CFPB, in its report on credit reporting agencies, emphasizes the importance of efficient and fair dispute resolution processes, aiming to provide consumers with accurate and up-to-date credit information. 

Moreover, the cases of Gorman v. Wolpoff & Abramson and Davis v. TransUnion, LLC, serve as legal precedents

that underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the FCRA. These cases highlight the importance of compliance with the law and ensuring that disputes are handled in a timely and reasonable manner.

I kindly request that the Credit Reporting Agency conducts a comprehensive and expedited reinvestigation into the disputes I have raised, taking into consideration the information previously provided. Delays in resolving these matters not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA.

I expect your agency to adhere to its legal obligations under the FCRA and promptly provide me with a detailed response outlining the results of the reinvestigation. Furthermore, due to the elapsed 30-day timeframe, I demand the immediate deletion of the accounts in dispute from my credit report.

Failure to comply with these requests may compel me to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
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. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Here are the following XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$30.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all   XXXX   credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX  are violating the law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX CAF XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you provide legal validation of such debt, and the requirements are as follows. : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 
Yours Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

Unauthorized inquiries on my credit report, typed a letter and mailed first class to Transunion letter was delivered on XX/XX/XXXX. Called on XX/XX/XXXX at XXXX pm and was informed that my letter was destroyed due to Transunion classifying the letter as something that was sent by another entity outside of myself which is 1000 percent inaccurate. These inquiries need to be removed expeditiously. Im aware that these data furnishing companies make it hard to dispute inaccuracies but to vehemently disregard my correspondence is absurd to me. Customer service was terrible as I was speaking to someone from another country, requested to speak with someone stateside and was hung up on and then I had to call back and start the process again. Finally spoke to someone stateside who's not helpful at all as well. Transunion blames it on the lender, the lender blames it on the bureaus so its back and forth to no avail. This is awful bc we as the consumer is the ones suffering. The inquiries are as follows. 

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 XXXXXXXX XX/XX/XXXX