23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I applied for an Apt online. XXXX XXXX do accept Section 8 voucher. I applied online application that required a XXXX Deposit. I paid the deposit. Then I was denied do to a policy XXXX XXXX said they can not sign a document with the Section 8 program. They charged me XXXX plus XXXX for a policy they are aware of. I disputed the charge with my credit card company, I was issued a refund. I also reached out to the XXXX. The XXXX  had XXXX XXXX reach out to me. I spoke with someone from XXXX XXXX and advised them, I did not owe them money for a policy they were aware of. XX/XX/XXXXXXXX  a debt collector called me demanding XXXX.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the account listed here : ( Account numbers XXXX XXXX XXXXXXXX. After checking a copy of my most recent report, it appears this account is still being reported. 
This account can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

MAF Auto Loan Owed {$6700.00} I don't not owe this I sent out a letter to get this removed but this got denied I never bought a car with this company.
Product: Credit card or prepaid card

Regarding chargeback case # XXXX, I followed everything dispute management told me in order to bring this case back into timeframe come to find out they told me incorrect information. I would like to request courtesy rewards points/cash for this mistake done by dispute reps. It took me a very long time to resubmit my case, apply, chase down the rep who was on my case. Now I am given the run around of this isn't possible etc.
Product: Student loan

There were XXXX accounts from Navient that were removed from my credit reports and added back without proper notification. Please remove these items immediatley as they are in violation of the FCRA. 
Cited text under 611 - 15 U.S.C. 1681i ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Credit card or prepaid card

On XX/XX/2021, an annual membership fee of {$140.00} was posted to my account. On XX/XX/2021, I received an email notifying me of a statement generated. On XX/XX/2021, I called to cancel the credit card and to have the {$140.00} annual membership fee charge reversed because I did not agree to the {$140.00} charge. Representative refused to reverse the {$140.00} annual membership fee charge.
Product: Debt collection

Dear XXXX XXXX XXXX, I am writing in response to a notice I received from your agency dated XX/XX/year>, concerning the alleged debt of {$520.00}. Under the rights granted to me by the Fair Debt Collection Practices Act ( FDCPA ) and any relevant state laws, I am requesting validation and verification of the debt, as well as the following specific documents : Proof of the Debt : Please provide me with the original creditor 's name, the amount of the original debt, and the full payment history, documenting the amount you claim I owe.

Authorization to Collect : Confirm that your agency is licensed to collect debts in my state of residence and provide me with your license numbers and Registered Agent.

Chain of Assignment : I request that you provide me with the documentation evidencing the chain of assignment from the original creditor to your agency, proving the legality of your right to collect this debt from me.

Copy of the Original Contract : Please provide a copy of any original signed agreement or contract pertaining to this debt, if applicable. 
Please cease all collection activities until the requested information has been provided and validated. If you fail to provide the validations and documentation as requested, I expect you to cease collection attempts and remove this account from my credit report. 
Thank you for your cooperation. I look forward to your prompt response.
Product: Credit card or prepaid card

I received an email from American Express on XX/XX/XXXX that my credit score is down by XXXX points due to a delinquent account. After a careful investigation, I find my American Express credit card ending in XXXX has unrecognized charges posted on it since XX/XX/XXXX ( {$25.00} ), together with interest charges, late fees and another unrecognized charge on XX/XX/XXXX ( {$25.00} ). There are several evidence to show that I experienced identify theft. First, the charges were for XXXX - XXXX XXXX, but I no longer own any car since XXXX of XXXX. Second, the charges took place in New York XXXX XXXX, but I live in XXXX Massachusetts. Third, I never received any email notification from this credit card regarding the credit balance. I found the email contact under this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX XXXX Balance {$37000.00}.
Product: Debt collection

This is a reply to XXXX. 

I am simply asking for a copy of the contract for the goods and services that SFC has alleged were provided. SFC is using my credit to extort money from me for goods and services that SFC admits to not even having a contract for. I believe that someone has either falsified information for SFC to have paid the contractor for goods and services that were never completed or approved by me or SFC made a gross mistake by funding the loan for goods and services that were never provided as agreed upon.

I have contacted my local contractors board and they want to see the contract that was supplied to SFC.

All I am asking is for a detailed bill of what SFC alleges that I owe them for. The contractor should have provided a project scope and a signed off letter of completion from the home owner.
Product: Checking or savings account

I became Trustee of my fathers account XXXX XXXX XXXX XXXX in XX/XX/year>. My father was deemed incapacitated. The account was liquidated and closed by my fathers roommate between XXXX. 

I became XXXX in XXXX XXXX XXXX XXXX XXXX in XX/XX/year>. I noticed there was fraud on my fathers account Navy Federal Credit Union Account. It was fraudulently liquidated and closed. 

I called the bank more than XXXX times over a year and a half. They sent me multiple forms to fill out. I sent every form back with the XXXX, XXXX orders and all identification requested. They never followed up. I had to even redo some of the documents multiple times. 

I just called the bank and they are now saying that too much time has gone by for them to do anything when it was the bank itself that caused this delay. 

I am asking the bank to open a fraud report and they are refusing to look into the matter because the account was closed by the person who stole the money. 

I have a poice report I want to submit and they will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent challenge letters to TransUnion to investigate these false accounts properly and transparently on my credit reports. However, they have not conducted such reinvestigations in accordance with federal law under the FCRA. I sent cease-and-desist letters directly to several creditors which TransUnion is still furnishing my report inaccurately. These letters are attached below upon receipt of my cease-and-desist letters those companies were to cease all communication about these alleged accounts. However, TransUnion continues to violate federal communication laws under the FDCPA by continuing to report these accounts. Moreover, I have included my most recent challenge letter I sent to TransUnion last week. I ask the CFPB to ensure that TransUnion sends me all calls, transcripts, emails, and any other communications used to verify all these accounts via USPS certified mail. They must do this within the next 30 days if they fail to delete and update these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I purchased a TV from XXXX and specified it was to be delivered no sooner than XX/XX/XXXX of XXXX XXXXXXXX XXXX provided XXXX percent financing for 18 months. I set it up on autopay through my XXXX XXXX account. On XX/XX/XXXX I received a notification from XXXX that my TV was delivered, ( 10 days earlier than it was suppose to be. I rushed to the address it was suppose to be delivered to. No TV. I rushed 30 miles to where I lived at that time. No TV. I called XXXX and they said they had no way to track where my TV was. Hours later a 3rd party shipper ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, called me saying they actually received the TV. I was pissed and told them to send it back to XXXX. Weeks later I received an email verifying XXXX received the TV and the purchase price {$1300.00} was credited to my account. However, months later I saw 2 payments had been taken from my XXXX XXXX account by XXXXXXXX XXXX, which evidently handles XXXX XXXX. XXXX XXXX Fraud dept. retrieved 1 payment and put a stop to further withdrawals. I've contacted XXXX and XXXX XXXX several times and mailed emails proving the TV was returned. They ignored my proof and ruined my credit and harass me daily with 4 calls, including XXXX XXXX last night.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ TransUnionXXXX ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX TransUnion XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX and any others, has violated my rights under FDCPA section 809 15USC 1681, XXXX XXXX XXXX was notified by USPS Certified mail on XX/XX/2023 twice to provide Validation of Debt, XXXX XXXX XXXX has failed to provide that Validation, Further more XXXX XXXX XXXX also violated my right under FDCPA 1692E ( 8 ) failure to report my dispute with XXXX, Transunion, and XXXX. I have downloaded proof of this matter in the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft notice my social security number was use to obtain a credit card from old navy on XX/XX/2019. I am in contact with all 3 credit bureaus to try to remove the inquiry and I have also tried to resolve with Synchronizy Bank.
Product: Debt collection

I note that there was a collection on my credit report which I do not recognize. Here is the info of this collection agency : CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CAPITAL ONE there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. I have attached my FTC report with the report number XXXX for your reference.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Credit reporting or other personal consumer reports

showing different account numbers on all three bureaus. It shows Im 90 days past due when I have never been late. No 30 or 60 day late payment just a 90 day late payment for different months across the bureaus. Billing history with aidvantage doesnt show anytime being late in 2019. Information not being reported but showing its up to date and last activity needs to be updated. Not showing a payment amount. Not showing the terms of the loan agreement. Showing numerous FCRA violations that I will be seeking {$1000.00} retribution for every violation on my consumer report. Update, correct, or delete immediately as this inaccuracy will not be tolerated as it is damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called and requested that Experian send me a copy of my Consumer file. I was notified by an agent named XXXX that the credit report and credit file are one in the same. I explained using legal terms, that information is incorrect. I made it explicitly clear that I was NOT requesting another copy of my Consumer Report, as I already have such. I also explained in legal terms, the difference between a credit file and Consumer report. 
After having dialogue for a brief moment, XXXX then informed me that he would send my credit file to my current address on file. He gave me the reference number also, which is XXXX. 

On XX/XX/2022, I received a copy of my most recent Credit Report, which is CLEARLY not what I requested. 

15 USC 1681g directly indicates how as the Consumer, I have the right to be disclosed to my Consumer file. It was also made very clear by Congress, what a credit file is, and it is not the same as the Consumer report. A credit file by legal definition means all of the information on a Consumer that is stored and retained by a CRA regardless of how information is stored. Whereas, the report is just a detailed written account of a Consumer 's credit history using financial info collected from creditors.

I am filing a complaint for their negligence to adhere to my federally protected rights as a Consumer. I look forward to this issue being rectified by Experian as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA Part ( A ) ( 5 ) ( ii ) all credit bureaus Equifax, XXXX, and XXXX failed to provide me in writing of any sort stating that old alleged debts would be permanently added to my credit report. They did not comply with 5 day notice actually zero notice.This has dramatically impacted my credit score and disabled me from rebuilding my credit.

They continue to add the alleged outdated debts to all my credit reports with zero notification and I am formally requesting that all credit bureaus follow the rules to protect us consumers and effective immediately remove permanently the alleged aged debts without providing any notification. They are both from XXXX XXXX in two seperate amounts the first one being in the amount of {$680.00} and {$620.00}.
Product: Credit reporting or other personal consumer reports

This is second background I check I receive and it says I have no previous employment history or tracking school history. I have proof Ive had employment for the last 5 years and a certificate and XXXX a from a XXXX  school
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  incorrectly reported late payments to a ll   XXXX   (  XXXX  ) major cr edit bureaus ( Equifax,  XXXX  and  XXXX  ) although the loans were approved for forbearance. Ad ditionally, I addressed this issue with  XXXX  on    XXXX   XXXX  , 2016   via facsimile and US mail to no avail.
Product: Checking or savings account

Tried to purchase window tint exemption consultation, never received services. Disputed the transaction with Chase, they declined the claim. Was met with rude customer service department when calling to figure out why claim was denied. Now Im out on {$130.00} and will probably close my bank account.