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

Please take notice, I have taken every effort to resolve issue via mail and the next steps could be litigation if unresponsive. 

I am attaching previous CFPB reports, previous letters sent, and my final draft of the letter I am sending to demand remedy before possible litigation. 


The information that was reported on my credit report to begin with was never verified by the collection agency. All they did was remove it and say someone sent it to them, it was not verified in any way. The agent also lied and said that the debt was past the age for removal as the reason for it being removed and that is false. ( Please reference all attachments ). I am demanding remedy totaling {$1000.00} for the violations of the FCRA.
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 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX XXXX closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXXXXXX XXXX  ( closed Accounts ) 15 USC 1681 section 602 A. 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 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

IM NOT UNDERSTANDING WHY MY COMPLAINTS KEEP GETTING IGNORED. ALSO I WOULD LIKE TO UNDERSTAND HOW SOMEONE IS STILL ABLE TO APPLY FOR ANYTHING IN MY NAME WHEN I HAVE A FREEZE ON MY XXXX REPORT PLEASE REMOVE THESE HARD INQUIRIES AND COLLECTION ACCOUNT FROM MY CREDIT REPORT 

names
XXXX XXXX
address
XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX TN XXXX 

INQUIRIES 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXXXXXX XXXX  XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove XXXX XXXX XXXX XXXX  Equifax XXXXata breach engagement number XXXX
Product: Checking or savings account

on the XXXX separate mobile deposits I did, the checks I deposited were covered from my XXXX check that deposited into my account XXXX hours after my atm deposit. I was charged XXXX NSF fees, the total amount of the checks which were almost XXXX dollars, and this is what this complaint is about. My XXXX covered the checks hours after I did the atm deposit. so, I was never negative also, I should have never been charged NSF fees on the checks. I had anywhere between XXXX NSF fees XXXX So, the ONLY resolution to this is for US Bank to reimburse my NSF fees I was charged and the almost XXXX dollars for the checks. They did give me a partial credit but I'm still without money because of their due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectEquifax violated my right under the FCRA Equifax never sent me the full investigation that they took to validate that accounts I demand that Equifax Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXX XXXX  XXXX Account number XXXX, has violated my rights. 
15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Do not recognize hard inquiry in my credit report XXXX XXXX  ( Bank ) XX/XX/year> XXXX
Product: Checking or savings account

In XXXX of 2023 I received my income tax funds however Chime Credit Builder immediately froze my account and asked me to submit and verify all of my tax information and documents. A week later they proceeded to unlock my account. Literally 2 days later I realized my account had been locked again. To this day ( exactly a year later ) I still cant get access to my account or funds. Ive tried several of times to get this issue resolved however every time I contact them for them to unblock my account they ask for more and more proof or paper for them to verify and keep telling me to send them the same proof Ive already submitted numerous times.
Product: Debt collection

Merchants Credit guide co claims I owe {$1300.00} I paid {$1300.00} to XXXX XXXX ( actual original amount owed ) on XX/XX/2019. Collection agency still claims I owe a balance as of XX/XX/2019. I confirmed with a phone call to XXXX XXXX and they confirm its paid to XXXX balance. Merchants credit guide co is still trying to collect on this account.
Product: Debt collection

Having gone through my credit report, I identified a number of accounts that I suspect were added without my permission and are incorrect.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is ( XXXX ) ACCT # XXXX Creditor is ( XXXX XXXX )
Product: Student loan

Ok what happened is i had my accounts with fedloan servicing someway somehow they lost my correct contact info to send me my letters about loans, every year ive made sure to do a forbearance and of all years 2018 income taxes be completely swiped and im still having hardships and may face an eviction if my rent not paid, lights cutt off etc etc all due to an clerical error in not updating my address so my entire XXXX income tax check was taken as in offset. This was not my fault at all but im facing the consequence. And ive made a complaint with another agency and they were abled to see the clerical error where my address from XXXX XXXX was switched to my new address then again to my old address and that should not have been. So when the nrs was trying to contact me they did not have the correct address on file I NEED MY INCOME TAXES BACK PLEASE I HAVE NO INCOME AT THE MOMENT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the actions of TransUnion regarding the inaccurate information reported on my credit report. TransUnion has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes 16 U.S.C. 1681o and 1681e ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected TransUnion to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent four ( 4 ) additional letters to TransUnion requesting clarification and the methods used to verify the disputed accounts. These letters were dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies TransUnions negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address TransUnions negligent noncompliance, as per 1681o. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent issue.
Product: Credit reporting

In accordance with FCRA & 650B paragraph ( a ), Equifax , is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Equifax remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
Product: Debt collection

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT THAT'S NOT OWED WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq ). 

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I AM A VICTIME OF IDENTITY THEFT AND THE DOCUMENTS THEY PROVIDED ARE NOT ACCURATE. THE SPELLING OF MY NAME IS WRONG ALONG WITH THE LEASE APPLICATION THAT DISPLAYS INCORRECT INFORMATION. PER FCRA 605B ( 15 U.S.C. 1681c-2 ) please delete and block this account from all three credit reporting agencies. This is a third party company which i owe no debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX a fraudulent scammer requested funds {$50.00}, {$130.00} from my account. I declined the payment. After decline these payments to this fraudulent merchant there were two duplicate unauthorized payments two this merchant that were approved in error of the system. Cash App will not reverse these funds after multiple chats, phone call, and direct dispute.
Product: Payday loan, title loan, or personal loan

On my second payment, I called to make it early, and the lady said their machine was acting up and double charging people, so she could n't take my payment. I went out of town the next day for work for 20 days. I did n't take my card because I did n't want to lose it, and we got per diem for work, so I did n't need it. I called yo pay when I got back yo town and they were charging late fees. I explained that I had no problem with paying, but I was not responsible for the fees because I tried to pay early. He said they would n't take the fees off, so I said i was n't going to pay. The problem comes when they continuously call my mother, my reference, and do not call me. I told them on  XXXX   XXXX  to call me, and they called her again today  XXXX   XXXX . The guy just laughs and tells me i need to pay.
Product: Credit reporting or other personal consumer reports

Balance information is incorrect on the credit reporting. XXXX still owns the loan serviced by XXXX. The credit reporting agencies are reporting a balance of over $ XXXX. This is incorrect. The loan has been paid off as per transfer to XXXX and by the XXXX XXXX XXXX. XXXX is {$0.00} and account is closed. XXXX XXXX account information attached. See all three CRAs account data attached. 

XXXX and Experian are still showing a {$79000.00} balance where XXXX is showing a {$0.00} balance. The date of XXXX between all three CRAs is not the same either. 

XXXX continues to hurt my credit report and continues to ensure servicemembers are not cared for in their business practices as identified in the CFPB court case.
Product: Credit reporting or other personal consumer reports

I received a letter stating that my information was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 Transunion and XXXX Violated my rights. see codes listed below. I have highlighted on each attachment the inaccuracies 15 USC 1681 e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention two discrepancies on my credit reports that have been causing me concern. As a responsible consumer, I am eager to request your assistance in resolving these issues. 

Discrepancy XXXX : XXXX XXXX Credit Card Account Account Opened : XX/XX/XXXX I had multiple late and missing payments, resulting in a serious delinquency notice on my credit report. Although the account was charged off, I made full payment to XXXX. However, despite my efforts to resolve this issue, a " serious delinquency '' notice continues to appear on my credit report every time it is run. Unfortunately, this notice does not specify which account is causing it, further complicating the situation. 

Request for Clarification I am requesting that the credit reporting agencies provide a detailed explanation of which account is causing this " serious delinquency '' notice to appear on my credit report. This is essential to accurately understand and address the issue. 

Expected Removal Date As I researched the impact of old accounts on credit reports, I discovered that all collections and delinquencies should fall off after 7 years ( Federal Credit Reporting age ). Since the account was opened in XX/XX/XXXX, this month ( current year ) marks 7 years since the opening date. I am requesting confirmation as to when this account will fall off from my credit report. 

Discrepancy XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account Account Opened : XX/XX/XXXX This account is currently listed as " derogatory '' on my credit report. However, I made a full payment on XX/XX/XXXX. As the account was paid in full, I should no longer have any negative information associated with this account. 

Request for Information I am seeking clarification on the expected removal date of this account from my credit report. Could you please provide me with an update regarding when I can expect this account to be removed? 

Request for Update Could you please provide me with an update regarding the expected removal dates for these accounts on all major credit reporting agencies ( XXXX, Equifax, XXXX, FICO and others )? I would like to ensure that both accounts are accurately reflected on my credit report after the respective XXXX period has passed. 


Thank you for your prompt attention to this matter. I am committed to maintaining a positive and responsible credit history, and any resolution to these discrepancies will aid in ensuring a more accurate and fair credit score representation. 

I eagerly await your response and am available for any further clarification or information if needed.
Product: Debt collection

I received a letter that is asking to collect a debt for what looks to be a credit card. The collection is supposed to be associated with XXXX. The card number starts XXXX, which is typically with XXXX. I contacted XXXX because I have only had one credit card with them and they have nothing else under my name or social. I contacted them today, XX/XX/21. I also researched and see that this company XXXX Convergent XXXX generally has a client reference number in the upper right hand corner and this letter I reviewed does not. I received the letter today XX/XX/21. The letter immediately asks for a reduced settlement amount and an apartment number. I dont have an apartment number. The contact number is XXXX and the address is XXXX XXXX XXXX  XXXX, XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX XXXX # XXXX. I opted out from this company XX/XX/XXXX. They are violating my federally protected consumer rights. The Privacy Act of 1974, 16 CFR 433.2- Preservation of consumers ' claims and defenses, unfair, or deceptive acts or practices ; 16CFR 433.3-Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 16 CFR 433.2 ( A ) ; 15 USC 1681-Permissable purpose, 15 USC 6802-Obligations with respect to disclosures of personal information, 15 USC 6805-enforcement.
Product: Debt collection

COLUMBIA DEBT RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent COLUMBIA DEBT duplicate charge RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Radius Global Solutions LLC has violated my consumer rights under 15 U.S.C 1681 Sec 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Sec 604 A. Sec 2 states that a consumer reporting agency can not furnish an account without my written consent.

I hereby request that you immediately cease and desist in your efforts to collect on the aforementioned account. It is my personal policy to only engage with the original creditor of this account and not with collection agencies.

Failure to comply with this request will result in legal sanctions under applicable federal and state laws. As per 15 U.S CODE 1692c ( a ), a debt collector may not communicate with a consumer regarding the collection of any debt without the prior consent of the consumer or the express permission of a court of competent jurisdiction. 

I have neither given prior consent nor entered into any contractual agreement with Radius Global Solutions LLC.
Product: Debt collection

On XXXX an unknown unannounced guy knocked on my door as I was walking out. Then he handed me a summons to court. Then he left. He didn't leave a card or say his name and coming to my residence harassing me. They never contacted me with any debt validation letter or other mail informing of this debt nothing. 
Violations include Illegally inform the third party about an alleged debt Repeatedly call a third party for my location information Fail to send a written debt validation notice in the mail Continue to collect on the debt before providing verification I as the debtor is under the RFDCPA, a debtor, if he or she informs a debt collector or creditor to cease communications in writing, upon getting that notice, communications must stop.