23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I and my family recently recieved threatening calls from " location specialists '' about a potential lawsuit and I needed to call number and they were coming to see me. I am the apparent account holder but they threatened my family with their own information as well.They threatened my family members with the lawsuit and said thier OWN SS # is tied to MY case and it will affect them. My family contacted then only for KP Assets to tell them they hired someone to look for me. I haven't changed address or numbers. I also do not recall receiving any type of calls from KP assets. When I called I got no response to the voicemail I left other than them threatening me again when I didn't pick up the phone. I didn't pick up the phone because my phone has marked the number as " Scam Likely ''. When I called them again they hung up on me or left me hold for long periods of time. When I was able to talk to someone they wouldn't answer any questions and kept asking me to verify my social. I asked for another way and they said no have my lawyer contact them. I asked for their number and other information about the company but they told me they couldn't answer or just hung up. As I said before I don't recall receiving any type of contact from KP assets. No emails, no calls with voicemail or letters. My address and numbers haven't changed.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX violated my rights. 
And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have a debt collection for an account that I am not responsible for. It appeared on my XXXX and Experian credit file last year. I disputed, and the debt collection was removed from both. The same debt was sold to another company in XXXX and was placed back on my credit file with XXXX. The name of the company was XXXX XXXX and collection. I disputed this again and XXXX removed the collection on XXXX/XXXX/15. Today experian reported the exact same debt but now with a different company. The account reads as followed : Company : XXXX XXXX XXXX Account # : N/ABalance Amount : XXXXStatus : The original debt is from XXXX XXXX XXXX. The debt has been disputed and every time it has been removed due to the debt not being true. I have disputed this debt a total of XXXX time with different debt collectors that buy the collection. I was never notified by the debt collection agency but rather found out by checking my credit. Can we please address this collection as it is becoming a nuisance everytime its sold to another debt collection agency.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with NAVY FCU. I have always made my payments on time yet there were 30 days and 60 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE UPDATE FROM MY REPORT IMMEDIATELY. 
XXXX XXXX-Balance {$15000.00} XXXX XXXX-Balance {$15000.00} XXXX XXXX-XXXXXXXXXX****-Balance {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 Any other adverse item of information, other than records 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. I XXXX XXXX information was stolen and breached by a person named XXXX XXXX I do not have much information on her I filed a report my life has been changed I suffered emotional damage do to the theft of my identity I have become homeless and my life is devastated do to the fraud of my information. I have contacted authorities I have fielded reports and tried calling the bureaus but no help. 

XXXX XXXX : Account number XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

Company does not adhere to Fair Credit reporting Act. 12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX XXXX in regards to XXXX XXXX  ( C ) Is of a signed statement by the consumer attesting that the consumer is a vXXXX XXXX XXXX if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we sent notice to alleged lender, SunTrust Bank, requesting validation on this XXXX. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted SunTrust Bank as a result, and it was only then that we received a response from SunTrust Bank, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

SunTrust Bank is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of 1977 ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, SunTrust Bank, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX {$860.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX  account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that was on file of the various accounts. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.Under federal law, you have ( 30 ) days to complete your re-investigation. 

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were not verified. To date, I have not received a reply from you or any acknowledgment that an investigation has begun.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

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

Inquiry ( TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am reporting a fraudulent collection listed on my credit report that do not belong to me. 
The collection is from Jeffersons Capital LLC, claiming I owe {$470.00} to XXXX. I called and texted XXXX and confirmed that I do not owe any amount to them, and they advised me to report the charge as fraudulent. This debt belong to me, and I have taken all necessary actions to resolve this issue, including contacting both companies and disputing the collections with the credit reporting agencies. I am requesting that this collections be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.
Product: Debt collection

XXXX and Contract Callers, a debt collection agency, tried to embezzle money from my XXXX, XXXX XXXX. They have repeatedly called on the phone from a private office number and have made threatening remarks. According to my credit report, XXXX XXXX and Contract Callers tried to embezzle {$260.00} and commit other acts of harassment, intimidation and acts of grand larceny. The latest incident was on XXXX/XXXX/XXXX. This false information on my credit report is the direct result of identity theft. Additionally, the NYS Attorney General wrote a cease and desist letter in XX/XX/XXXX on my behalf. The debt collectors in question also demanded {$2000.00} from me over the phone. They used threatening statements to make their point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union, and XXXX are violating my consumer rights! I am speaking with legal council at this point because I am tried of going back and forward about their inaccurate reporting on my credit file. They keep sending me stall letters! This inaccurate information needs to be immediately deleted from my credit file within 24-360 hrs.