23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have filed several disputes with XXXX and Equifax for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has adversely affected my FICO score.
Product: Money transfer, virtual currency, or money service

3 wires totaling over XXXX were sent to an online scammer called XXXX in good faith. Funds are lost and Citibank refuses to refund the wire transfer amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Upon review of my credit report I noticed multiple inquiries that were not authorized by me. I have included the fraudulent inquiries below as well as my Identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

My XXXX father took out a car loan with Chase Bank. He is nearly XXXX and can not hear. I am his child. I manage his financial affairs for him. When he set up the account and took out the loan, he expressed to Chase Bank that it was acceptable for me to contact them regarding the account and to make his payments for him. Despite this, when I went to make the initial payment, they would not allow me to make the payment for him. Thus, his initial payment will be late. When I called Chase to make the payment for him, they would not allow me to do so. When I asked for the telephone number of the automated payment, manager " XXXX '' in Texas gave me XXXX as the automated payment number. That number is disconnected. Chase XXXX beyond belief.
Product: Credit reporting or other personal consumer reports

I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of XXXX XXXX XXXX. I will be filing a suit against XXXX XXXX XXXX for willful and negligent violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OR XXXX I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA XXXX [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Vehicle loan or lease

I was called and asked to pay a minimum payment of  XXXX  by a certain date and i Payed that amount the person i talked to said that my next payment was due on  XXXX   XXXX  of  XXXX  I re ceived a phone call that next Monday stating that if I did n't pay  XXXX  by a certain date that the vehicle would be repoed I feel that i was miss informed.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dollar loan center has reported incorrect late payment marks on my loan with them. I spoke several time with different representatives to set up payment arrangements. I followed through with the payments and was advised that as long as my arrangements were kept I would not get late payments. I was advised this by more than one representative before the loans contract expired. They were aware that my arrangement put me past the expiration date and I was still advised to negative credit reporting would happen if the arrangement was kept, which it was. I still continued to get harassing calls everyday even while on the arrangement. This account is now paid off.
Product: Debt collection

Company has not followed the credit reporting guidelines. The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. This company has neglected to send me any correspondence and/or any means of communication validating if this account belongs to me, prior to reporting to the credit bureaus. 
They further are fraudulently reporting on an account that has no merit, as I never had an account with XXXX or Jefferson Capital in XX/XX/2019 in the amount of {$2600.00}, not to mention they have waited seven ( 7 ) years to bring such a claim and have neve sent me any correspondence signed contracts, etc. 
They have not provided any original documentation to prove I have had an account with them through my many attempts to request this information, they have refused to provide any such documents and continuously harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and frivolous things on my credit report. Till this day over 130 days later I still have not received a response. I feel like I'm being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 130 days so they should be deleted promptly. 

in Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 

This has caused me significant damage to my credit score and has blocked me from being able to pursue business credit and being able to provide a better life for my family. I am in severe distress and i need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. 

As a consumer we should be protected from companies falsifying information on our report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX 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 a account without my written instructions
Product: Debt collection

I am requesting the immediate removal of a collection entry reported by CONTRACT CALLERS INC from my credit report. Despite their response to my previous inquiries, CONTRACT CALLERS INC has failed to provide adequate validation of the alleged debt, as required by law. 

Details of Complaint : Debt Validation : CONTRACT CALLERS INC has not provided the required validation information, including details about the original creditor, original account number, and supporting documentation, as mandated by 12 CFR 1006.34 ( b ) ( XXXX ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
Failure to Provide Documentation : The company claimed to have sent a validation notice on XX/XX/year>2023, but I did not receive it. The entry remains on my credit report without proper validation or the opportunity for me to dispute the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Request for Removal : Given the failure to meet legal requirements for validation and disclosure, I am demanding the immediate removal of this collection entry from my credit report. 
Desired Resolution : Please ensure that the collection entry is removed from my credit report and confirm the removal in writing within XXXX days. If this issue is not resolved promptly, I will consider further actions, including escalating the complaint with the CFPB and seeking additional legal remedies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX XXXX XXXX XXXX ACCT # XXXX have 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.

This unlawful collections agency has violated my consumer rights and caused me to be denied for vital items such as housing for my children and I.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, Equifax XXXX XXXX XXXX : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above have 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 XXXX : 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Account listed : XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX XXXX XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect informations Remove all personal information all old addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Letter sent to Trans Union asking to please remove fraudulent accounts from my consumer report. Accounts were not removed and response was never given. FCRA clearly states reporting agencies have 30 days to respond upon receival. 

XX/XX/2022 Letter sent to Tans Union stating they have failed to reply to anything. And accounts were updated in their system as verified, which is illegal. 

Proof Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 70 credit inquiries on my credit file with XXXX, equifax and XXXX  and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.
Product: Credit reporting or other personal consumer reports

I was hospitalized in XX/XX/2023 for having a XXXX, I submitted a XXXX letter to the company asking them to help me ( not to report a late payment ). I made a payment on my account immediately when I got access to a computer. I just need some patience due to my situation. I usually make my payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted transunion numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXnquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX  * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are several closed XXXX XXXX accounts on my report.as for as I know I never changed cards unless I was sent a new one.there is also open accounts and balances on XXXX cards.XXXX and XXXX the charges are not mine! XXXX last error on the collections {$54.00} charge and a charge from XXXX I have never had a card with more then a {$1000.00} limit, My car payment payment was never late I defer XXXX payments when I was ill.And I have never had a XXXX account.Please fix theses errors.I don`t check my credit reports but I will from here on in Thank you in advance, XXXX XXXX p.s I also was red flagged for ID theft in XX/XX/XXXXand XX/XX/XXXX someone put a false income return in they received {$7000.00} in XX/XX/XXXX but nothing in XX/XX/XXXX
Product: Debt collection

This letter constitutes a formal demand for validation of the debt pursuant to the FDCPA, 15 U. S. C.1692g . Please be advised that I dispute the validity of this debt in its entirety, and I request that you provide immediate verification and substantiation of your legal right to collect.

In accordance with the FDCPA, I respectfully request the following documentation : 1. ) Proof of Indebtedness and Original Agreement You are required to furnish verifiable proof of the existence of the debt, including, but not limited to, a signed copy of the original contrac
t or agreement between myself and the original creditor which forms the basis of the alleged debt. Mere account statements are insufficient for compliance.

2. ) Chain of Assignment and Legal Authority You are not the original creditor, I demand that you produce the full chain of assignment or sale of the debt. This m
ust include all documentation that legally transferred the right to collect the debt from the original creditor to your agency, including any intermediary assignments or agreements. Failure to provide such documentation will indicate that you lack the standing to pursue collection activities.

3. ) Complete Payment History I request a comprehensive account ledger or payment history detailing the original amount of debt any and all payments or credits applied, the current balance and a breakdown of any interest, fees, or penalties applied to the account since its inception. This information must clearly demonstrate the validity and accuracy of the balance you claim is owed.

4. ) Proof of Your Agency Authority to Collect Provide documentation that demonstrates your agency is licensed, bonded, and legally authorized to collect debts in the jurisdiction in which I reside, pursuant to state laws governing debt collection practices. Failure to comply with state licensing requirements will render any collection efforts null and void. 
Until you provide the requisite documentation as outlined above, I hereby demand that you IMMEDIATELY CEASE all collection activities related to this alleged debt. This includes, but not limited to, direct communication with me, attempts to contact me through third party and any further reporting of this debt to the credit reporting agencies.

NOTICE OF REPORTING OBLIGATIONS Further, I hearby place you on notice that reporting an unverified and disputed debt to ANY of the major credit bureaus constitutes a violation of the FCRA, 15 U.S.C.1681s-2 ( b ), as well as the FDCPA. If you are unable to validate this debt in accordance with my legal request, you are required to immediately remove any references to this debt from my credit report. 
REMEDY FOR NON COMPLIANCE Please be advised should you fail to provide adequate validation of this debt within 30 days of receipt of this letter, I will consider this matter closed and will regard any future collection attempts as a violation of FDCPA
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/23
Product: Debt collection

This debt is not mines and the company continues to place this account on my credit report.