23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I went to XXXX to retrieve my federally required free annual credit reports from the big XXXX. I received my XXXX and XXXX reports but received a notice stating " a condition exists that prevents Experian from being able to accept your request at this time '' could this condition be the fact that the last time I could n't get my experian report I filed a CFPB complaint and they are retaliating? The last time I could n't recieve my report was because information in my credit report was incorrect ( and still is because they do n't offer a way to dispute wrong addresses ) I have never ever ever used XXXX XXXX ca and likely never will. I demand my legal right to access to my credit report, if no action is taken to resolve the online process for me, I will take you to court for violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following are inquiries on my credit report that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request Regarding XXXX XXXX. Account Dear Sir/Madam, I am writing to formally request, under the provisions of 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that you immediately cease all communication with me regarding the alleged debt associated with XXXX XXXX. 

As per the FDCPA, I am exercising my right to demand that you discontinue all communications with me, including but not limited to phone calls, emails, letters, or any other form of contact.

I understand that under 15 U.S.C. 1692c ( c ), once you have received this written request, you are legally required to stop communicating with me except for very limited circumstances ( such as informing me of the filing of a lawsuit ). I do not wish to receive any further contact from your agency regarding this account.
Product: Credit card or prepaid card

There were cash advances made on my credit card which the bank let exceed the credit limit. I did not get a notification that this was happening but now I al responsible for paying it back. The bank closed my accounts.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I found out today that I have been charged a late fee ever since I changed my payment date to the XXXX of every month. I was not informed that this would happen and they have been reporting me as being late every month. This should not have happened as they gave me the option to pay on the XXXX and never notified me that there was any adverse consequences for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH TRANSUNION, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM TRANSUNION. XXXX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX not late XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX  h

as 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: Credit reporting, credit repair services, or other personal consumer reports

You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), which states " 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. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).

Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC 1692k, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of SSN : XXXX Copy of DL Copy of Address Copy of FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Product: Credit reporting or other personal consumer reports

Equifax rental screening reports contain inaccurate information in reference to an eviction from XXXXXXXX XXXX XXXXXXXX XXXX formally known as The XXXXXXXX XXXX XXXXXXXX ). There is a court judgement ( Case XXXX XXXX ) on the account that indicates the balance as satisfied. The XXXX XXXX in XXXX XXXX has made a judgement that indicates that all fees have been satisfied ; attorney fee in the amount of {$90.00}, tax in the amount of {$98.00}, late charge in the amount of {$150.00}, and rent in the amount of {$1300.00}. As a result of Equifax rental screening report, reporting inaccurate information my ability to secure housing is being severely hindered.
Product: Mortgage

New American Funding Broker Solution Inc, XXXX, XXXX XXXX XXXX, XXXX Michigan XXXX. I have two properties on one lot a front house and a newly legally permitted XXXX XXXX but they have different addresses. Insurance companies if there are 2 homes on l lot and they have different addresses they must have 2 separate policies. New American Funding refuses to acknowledge or pay for my hazard insurance from my impounded mortgage account. Recently, after many months they did make onXXXX payment on the guest house.but did not pay the hazard insurance on the the Front house which has an estimated value of {$900000.00}. I have been making the hazard payment since XX/XX/XXXX on the front house because New American Funding have not been making the insurance payments although they impound the money from my mortgage to do so.
Product: Credit reporting or other personal consumer reports

I am writing this complaint today because on XX/XX/XXXX, I sent XXXX XXXX XXXX Bank a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of 1974.There has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, May have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to XXXX XXXX, giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with XXXX XXXX, and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.
Product: Credit reporting

I was a victim of continuous identity theft. A vehicle was purchased in my name without my knowledge. This account is reporting TWICE on Equifax for the same amount. I have sent in all of the necessary documentation including police report, FTC affidavit, drivers license, social security card and proof of current residence. Equifax continues to report the item in duplicate as well as tell me that they will contact the creditor who always verifies that the account is mine when it is in fact not! Equifax continues to report these accounts as well as others that are not mine. The other bureaus have already rectified the issue and I have been fighting with Equifax diligently for almost 1.5 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX XXXX and I recently reviewed my credit report and noticed that there were many accounts reporting on my credit report that should have been included in my bankruptcy. This misrepresentation is a violation of 15 USC 1681e ( b ). Please delete the following accounts from my credit 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 Also, can you please provide me with the name of the person who furnished the bankruptcy docket number XXXX to my Transunion Credit Report?
Product: Debt collection

I received a call this morning that I had a debt owed to Fifth Third Bank in the amount of {$940.00}. I closed my account in XXXX. Apparently my debit card was used for {$560.00} after the bank account was closed. I think someone committed fraud on my bank account as it was not me. Fast forward to today they called me at XXXX am and said I had till XXXX pm today to settle the debt or it would be escalated to the attorneys for civil litigation and restitution. I went to the bank and the manager said they had no record of me owing them anything. I called the collection company back and asked for proof and they would not provide any other than a letter stating I owed the debt. I was not provided any chance to dispute the debt. Also they stated the debt was turned over for collections in XXXX ( 6 years after I closed my account ) and was still within the statute of limitations as it was within 10 years of the write off. How can they come after me for supposed money I owe them 13 years after I closed my bank account? They stated if I wanted to dispute it I would need to hire an attorney and then I would be charged attorney fees on top of what I already owed them and they would be escalating it by the end if the day. The collection company was XXXX XXXX XXXX out of XXXX Delaware. I had never heard of the 13 year old debt before today and was given XXXX hours to decide if I wanted to pay it or would be taken to court. Is this fair? I feel like it is not. Please any help understanding this would help.
Product: Debt collection

the company debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt captial one replied it was fraud, XXXX keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from capitol one showing it was fraud, XXXX continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I opened an account with them in XXXX and defaulted on said account in XXXX and that information is not true. I have never spoken with, been contacted by, or opened any accounts with XXXX XXXX. 

I reported this to Experian Credit Bureau and after 48 hours they responded saying the account meets FCRA requirements. They didnt do a thorough investigation. 

XXXX XXXX has a negative reputation for this predatory form of extortion. They are destroying my credit. My Experian score plummeted 85 points from this illegal reporting. From XXXX to XXXX. I have zero late payments on accounts and before they reported this false information, I had zero collection accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted