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

TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave EQUIFAX XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My National Insurance number is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This my second claim since my first claim didnt come to a resolution XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by putting an unauthorized inquiry on my consumer report without my consent and has also failed to verify the inquiry and failed to comply to my demands from my ceased and desist letter and the payment of the invoice I sent as well. 
I am a consumer and the FCRA States the fact that credit reporting agencies are supposed to report accurate information by XXXX XXXX XXXX XXXX XXXX illegals actions it has cost me financial damage to my consumer report
Product: Checking or savings account

On XX/XX/2017 my son, a resident of XXXX, died in XXXX. He had opened an account with US Bank in the State of XXXX. To retrieve his funds I was told to submit small estate affidavit and death certificate to the bank. The small state affidavit from XXXX  and death certificate from XXXX  were submitted but bank refuses to close account. They argue a small estate affidavit from the county of death is required from XXXX. On contacting the State of XXXX  Courts was told the XXXX  form is sufficient since US Bank does business in all 50 states ( including internet ). 

US Bank is putting unnecessary obstacles in the way of retrieving my deceased sons assets. I have an account with US Bank and I live in Texas! US Bank is NOT just an organization in Oregon! Even the state of Oregon agrees with me that the Texas forms are perfectly adequate for this action. 

US Bank is trying to literally make a federal case out of retrieving my dead sons accounts. The loss of my son is enough grief without USBank adding to it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit XXXX Account # XXXX ( XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

These addresses and personal information are incorrect and would like for these to be removed from my credit report immediately. 

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

Disputed an account on XX/XX/2023 listed by XXXX XXXX  for a debt amount of {$1200.00}. XXXX XXXX has also listed duplicates of the same account but with different balances. Requested an investigation and XXXX XXXX reports the debt as valid with no evidence of investigation. The Fair Debt Collection Practices Act states that debt collectors can not misrepresent : The amount of the debt as this creditor/debt collector has. Requests for explanation of their investigation has gone unanswered. I have experienced damage due to this erroneous listing on my credit report.
Product: Checking or savings account

I been changing fees for overdrawn I made a deposit that I didn't get it shows the balance but is not release has beena lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons US BANK XXXX XXXX XXXX XXXX Reported : XX/XX/2021 + {$1100.00} In good standing
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act account XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX, Date XX/XX/year> accounts balance : {$470.00}, {$300.00}, {$530.00} and {$340.00}. has violated my rights. 
15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish
Product: Debt collection

I ask the creditors to validate my debt by sending me the original sign agreement with my signature and they want send it to me
Product: Vehicle loan or lease

On XX/XX/27 JPMCB AUTO FINANCE used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of JPMCB AUTO FINANCE I the consumer and natural person, was denied credit by JPMCB AUTO FINANCE when I applied for vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. JPMCB AUTO FINANCE are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX of XXXX XXXX XXXX due to the response I received. JPMCB AUTO FINANCE is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Debt collection

Discharged Debt : A discharged debt typically means that the debtor is no longer legally obligated to pay it. In bankruptcy, the discharge is granted by the bankruptcy court under 11 U.S.C. 727 ( in XXXX  XXXX bankruptcy ) or other relevant provisions. If the debt is discharged in bankruptcy, creditors, including third-party debt collectors, can not continue collection efforts unless the discharge order is violated.

3. Proof of Debt and the Wet Signature : A wet signature refers to a traditional signature on a paper document, often used in contracts. In the case of debt collection, it is not always required to prove ownership of a debt, especially if the debt has been sold. However, the third-party debt collector must provide sufficient evidence that they have standing to collect the debt, which may include proving the assignment of the debt from the original creditor.

Under FDCPA, if a debt collector is attempting to collect on a debt, they must be able to validate the debt if disputed by the consumer ( 15 U.S.C. 1692g ). This can include showing documentation, though it may not require a wet signature on a contract. However, if no agreement or assignment exists ( i.e., the third party can not prove they legally own the debt ), they may not have standing to collect.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Bankruptcy Code : 11 U.S.C. 524 ( Discharge injunction ) and 11 U.S.C. 727 ( Discharge in XXXX  XXXX ). 
State laws may also provide additional protections, such as requiring more specific documentation or disclosures when debts are sold or transferred.

In summary, if the debt has been discharged through bankruptcy, a third-party collector can not pursue the debt, regardless of whether they have a wet signature or other documentation. If the debt has not been discharged but the collector can not prove ownership or provide appropriate documentation, they may not have the right to collect. Consumers should be vigilant in requesting validation and seeking legal counsel if they believe their rights are being violated.
Product: Debt collection

I paid Diversified Consultants for XXXX XXXX XXXX on XXXX XXXX, 2016. We settled for {$390.00}. I was told that they would send me a satisfaction letter within 48 hours via email and they would also mail out a letter that I would receive within 10 days.During this time they had reported to the credit bureaus that this account was paid in full and closed. I waited until XXXX XXXX, 2016 for the letters and I received NOTHING, so I called back and they told me I would receive it in 48 hours, again nothing. On XXXX XXXX, 2016 my XXXX report showed a open balance of {$720.00}. On XXXX XXXX, 2016 I called Diversified Consultants to have them explain to me why it had been reported open on my credit and to see why I had not received a letter. All they could tell me was that it was paid in full and closed and my letter had been mailed out that day and I would receive it within 10 days. I finally received it on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a letter from XXXX to pay a balance of {$320.00} that had been forwarded to them from XXXX XXXX XXXX. I contacted XXXX and told them I had already paid this account with Diversified. They told me to contact Diversified and have them update their records with XXXX XXXX XXXX so I did, the gentleman on the phone said that they had already updated the account with XXXX XXXX XXXX and there was nothing more that they could do, but he would transfer me to a supervisor. I left a message on the voicemail for the supervisor and received no call back. On XXXX XXXX, 2016 I faxed the letter from Diversifed to XXXX and on XXXX XXXX, 2016 I emailed them the satisfaction letter. They responded back to me via email stating that they could not close the account until they investigated it with XXXX XXXX XXXX. I called Diversified again on XXXX XXXX, 2016 and they told me that there was nothing they could do, but forward me to a supervisor. The supervisor did not take my call so I left a voicemail to have them call me back. After I hung up I called XXXX XXXX on XXXX XXXX, 2016 and they told me that Diversified had only reported a half payment to them instead of a settled in full agreement and that is why I was receiving letters from XXXX. They had me email over the satisfaction letter to their collections department so that they could investigate this matter and get it taken care of. I am still in the process of trying to get this all cleared up.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by XXXX. 
Late payments were reported for XX/XX/year> by TransUnion and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication. Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act.

If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I leased a kia I did the regular maintenance on it. Kia said that they are not responsible to honor warranty if not done at kia? They stated how do they know it was done properly. without any warning light first the battery needed a boost then it stalled the starter stopped and then the engine locked. never ever a warning light.the car was due back on a lease return and i am responsible for installing a new engine. i am a widow on social security and neerd to come up with over XXXX dollars
Product: Mortgage

On XX/XX/2019 I received a loan modification package from Specialized Loan Servicing that I requested for me to reaffirm my loan. Then on XX/XX/XXXX I received another letter stating that I was denied due to having equisetum in my home and that my only option was to do a short sale. I was never given the opportunity to explain why I fell behind on my payments and what I can do now to rectify my loan. On XXXX I submitted an appeal letter in writing with Specialized Loan Servicing asking for a second review. I was notified on XX/XX/2019 that I was denied again. Disputed my decade of hardships this company isnt willing to work with me and allow me to reinstate my second mortgage. My 1st mortgage is current. I dont want to sell my home and be out on the street.  Every person I have spoke with in this company has been very disrespectful and rude to me. Im not sure what else I can do to keep my home.
Product: Debt collection

Keep getting calls from : XXXX XXXX about debt collection. Company shows as Harris & Harris. 

I actually spoke to someone once, they were looking for someone I don't know, who definitely does NOT live here, and they told me they would take me off the list. Instead, we're getting a call every third day.
Product: Credit reporting, credit repair services, or other personal consumer reports

For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as numbers of changes of phone numbers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has vbiolated 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 a account without my written instructions.

15USC 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, credit repair services, or other personal consumer reports

XXXX bank reported XXXX XXXX  late payment to Transunion. The account has been closed since XXXX and was paid in full. Reported a {$14.00} balance and XXXX XXXX  late on XX/XX/XXXX. I live in XXXX and am in quarantine. Never received any notice or bill. 
Tried to contact XXXX bank for XXXX XXXX  can not get through. Tried to dispute on Transunion and I keep getting their system in not working and can not submit dispute. Also tried to dispute on XXXX XXXX but they told me to do it directly on Transunion. I have been unable to dispute the charge. 

This lowered by credit by XXXX points during a pandemic for {$14.00} on a card that has been closed for XXXX XXXX, No notification was sent and I can not contact anyonet not XXXX and not Transunion and Not XXXX XXXX
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.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 A. It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681 C ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than record 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 reporting agency if the person knows or has a resonable cause to believe that the information is 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Late payments have appeared on my credit record without proper validation, and my previous communications sent over 30 days ago remain unaddressed. These disputed transactions require immediate investigation as they negatively impact my credit standing and financial opportunities.
Product: Credit reporting or other personal consumer reports

I've been trying to get an eviction removal removed and have shown proof of paid and XXXX one was never an eviction. they do not update the information within the 2 weeks quoted. First Advantage has no consumer line to speak with a live person as of XXXX.
Product: Credit reporting or other personal consumer reports

I recorded the phone call with Sunbit on XX/XX/2024. XXXX on business travel and recorded in a one-party consent state where its legal. Sunbit is attempting to collect a debt and provided false and misleading statements telephonically. An employee by the name of XXXX purported to be a supervisor and said Im 90 days past due on my loan. This is completely false. I never been 30 days past due in any billing cycle and I have bank statements, telephone calls and percipient witnesses that will testify, including myself. Sunbit is categorically and unequivocally in violation of, among other things, XXXX XXXX ( which applies to original creditors ). I intend to retain a consumer law attorney and file suit. I will engage in surfeit prosecutorial actions, until and unless, Sunbit finds an amicable resolution on the matter agreeing that I was never 30 days past due in any billing cycle. Fair warning : if Sunbit reports any late payments on my credit reports with any of the consumer reporting agencies I will file suit which will add FCRA and XXXX violations and settlement will be off the table. In addition Sunbit will pay any and all arbitration costs including all my attorneys fees. The fact is, I was never 30 days past due.