23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> someone fraudulently opened a loan under my original last name- XXXX- but I've legally been going by XXXX for XXXX years. I did not notice this on my credit report until XX/XX/year>. 

I contacted the company in which the loan was opened ( XXXX ), and I began an investigation. The first claim was lost, so after XXXX days of waiting, I had to start the process over and submit another claim with the company. The company completed their investigation on XXXX XX/XX/year> and confirmed that the loan was fraudulent but the items are still showing on my credit reports. 

Also, because the investigation took 7 months, the company then sent the account over to collections, which is with XXXX XXXX XXXX XXXX for {$1300.00}. 

I spoke with TransUnion and they informed me to reach out to CFPB to file a dispute. I was unable to upload any of the documentation on their website, so I would like this account ( Uplift/Upgrade ) removed from my credit as well as the collection company ( XXXX XXXX XXXX XXXX XXXX XXXX Please note that the loan is under the name XXXX XXXX but there was an acquisition recently, so the email showing that the account ending in XXXX for fraud shows the signature line as XXXX. 

Please remove anything associated with XXXX ( account ending in XXXX ) and the derogatory impact from the company sending my information to Collections ( XXXX XXXX XXXX XXXX XXXX XXXX my account. Please let me know if you need anything else from me.
Product: Debt collection

I attended XXXX XXXX XXXX in XXXX of XXXX  and unenrolled XXXX of XXXX paid for by XXXX  benefits. I have been sent mail and received emails from J J Marshall Associates regarding debt collection. The XXXX XXXX XXXX has closed its physical address and does not have a phone number or email I can reach them to dispute this claim. I have spoken with J J Marshall and asked for proof of the debt and they have refused to give me any information and have put a derogatory note on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding repeated issues with EQUIFAX and their handling of my credit report. 

1. Re-insertion of Deleted Information : On XX/XX/year>, I successfully disputed certain information on my credit report, which was subsequently deleted. However, I have recently discovered that this information has been reinserted into my credit report without proper notification or justification. This action has negatively impacted my credit score and is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that reinsertion of previously deleted information must be accompanied by notification to the consumer within five business days. 

XXXX. Inaccessible Dispute Portal : I have attempted to check the status of my updated dispute on the EQUIFAX online portal, but I am unable to access it. This technical issue prevents me from managing my disputes effectively and adds undue stress and confusion to the situation. 

XXXX. Inability to Dispute Directly : The reinserted information has also led to a situation where I can not file disputes directly through the CFPB 's system, further limiting my ability to address and correct these inaccuracies. 

I kindly request the CFPB to investigate this matter and ensure that EQUIFAX complies with all relevant regulations. I also seek assistance in resolving the issues with their dispute portal and ensuring the erroneous information is permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

Re : Account Name : XXXX Account Number : XXXX Subject : Willful Noncompliance with FCRA Inconsistent Credit Reporting To Whom It May Concern, I am formally disputing the continued reporting of the above-referenced account, which has already been deleted by XXXX and XXXX. Enclosed, you will find proof of these deletions. The fact that [ Credit Bureau Name ] continues to report this account despite its removal from other major credit bureaus is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and constitutes willful noncompliance under 15 U.S.C. 1681n.

Legal Violations & Case Law Supporting My Dispute 1. Failure to Maintain Accurate and Consistent Credit Reporting The FCRA 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) established that credit bureaus XXXX be held liable for failing to update or remove inaccurate information. 



XXXX. Failure to Verify the Accuracy of the Disputed Account The continued reporting of an account that XXXX and XXXX have already determined to be unverifiable and removed suggests that [ Credit Bureau XXXX ] is failing to conduct proper data validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ruled that if one credit bureau deletes an account, other bureaus must conduct an independent assessment instead of solely relying on furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) further confirmed that credit bureaus can not blindly rely on furnishers without ensuring the accuracy of reported data. 



3. Willful Noncompliance with FCRA Legal Liability Under 15 U.S.C. 1681n, credit bureaus are liable for willful violations of the FCRA, including knowingly reporting inaccurate information. 

XXXX v. TransUnion, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) determined that credit bureaus may be held liable for failing to correct errors after being provided clear evidence of inaccuracies. 

Since XXXX and XXXX have already determined this account should be deleted, your continued reporting demonstrates reckless disregard for my consumer rights.
Product: Vehicle loan or lease

I am writing to dispute a charge-off listed on my credit report. The charge-off appears to be inaccurate, outdated, or otherwise not in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, and should be removed. 
The details of the charge-off account are as follows : American Credit Acceptance Account Number : XXXX Debt Amount : XXXX Date of Debt : XX/XX/year> The original amount XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This Information is Incorrect XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX
Product: Vehicle loan or lease

I was financing a vehicle that wouldn't get lower in payments I paid over XXXX and was told I got XXXX behind never had a issue till XXXX XXXX XXXX in office at this place the vehicles value is only XXXX in XXXX XXXX XXXX they loaned me for XXXX I feel the truck was way over priced for a unsafe vehicle.
Product: Debt collection

They had called frequent and no stop repeated calls, they have called out side of XXXX, sent me threatening mail to take legal actions and they have done this to a friend of mines, as well. They are harassing me with the non stop calling and mailing of letters. They are mis leading, over charging, dis honest, un willing to work with customers and the calling is non stop and voice mails. They have violated all my right as a consumer.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681s2 I would like to dispute and challenge the completeness and accuracy of some accounts that is being reported on my consumer report.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX Equifax and XXXX is currently reporting it monthly as a late payment.
Product: Mortgage

Our Mortgage company Roundpoint has been over charging us on Mortgage insurance last year and now they are charging us more this year. My husband has been talking with them since XX/XX/XXXX and each time they say they will fix the problem and it is not fixed. We asked to speak to someone higher then the person on the phone and they state management will not talk to customers. We are very frustrated with this not being resolved. We do not know if this is an honest mistake and the phone people can not figure it out but if sounds very fishy that management will not talk to their customers. I do not know if this is an honest company but after speaking to XXXX people an not getting it resolved I think this company is doing this on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/ but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Balance {$43.00} Opened XXXX XXXX, 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, check out my drivers license supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Also, EQUIFAX has my name incorrectly spelled and/or listed on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft.
Product: Debt collection

Had three separate accounts, each for {$150.00} medical. Was sent to collections and became 2- {$150.00} accounts and 1- {$300.00} account. Original creditor paid in full by me on XX/XX/19 for {$450.00} and made aware of mistake of collections company. Collections company contacted by me the same day and made aware of pay off of accounts. 2- {$150.00} accounts have been removed but the wrongly billed {$300.00} still remains on collections record even after several additional calls to creditor and collections company affecting ability to secure a needed car loan.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both youre agency and XXXX XXXX are in violation of the US laws listed above and are grounds for me to seek legal action. Furthermore, this account charged off XX/XX/2017 and was immediately satisfied. I have also attached a letter from my county attorneys general in which it states according to the FCRA any satisfied charged off account can only report on any individuals credit report for 5 years in the state of New York, which means youre agency is also in violation of the law. I feel like im being taken advantage of and I demand this account be removed from my report immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  Balance : XXXX Dear MIDLAND FUNDING LLC, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau XXXX CFPB XXXX and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question 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 XXXXXX/XX/XXXX Balance : {$22000.00} Additionally, I would like to address the inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I attached a screenshot of 2 disputes from XXXX charge off from 5 years ago that's not mine and a credit card that's not mine .. 
If notice the screenshot shows there investigation is still on going ... 

The last four of my ssn XXXX
Product: Debt collection

A lady by the name of XXXX XXXX from Asset Recovery called my work and demanded to talk to me about some issues I was having and told our nurse that I knew who she was so to just transfer her to me. My nurse checked with me and I told her I did n't know who she was. A male also called from this same number two weeks ago and pretended to be my patient and needed to speak to me. He of course was n't in our patient database. He did n't say who who was calling with but the number is the same for XXXX people.
Product: Credit card

Again in reference to CFPB Ref No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting a direct answer for the following, not acting in good faith or providing fraudulent information would result in a Security Exchange Commision whisleblower complaint and IRS form 3949-A for trading notes on secondary market which violates the filing with the Security Exchange Comission and not paying taxes on those notes that are still being traded. 

XXXX. Was the application that I provided for the credit card, the collateral for the line of credit? 
XXXX. Does your prospectus form that was filed with the Security Exchange Comission indicates that American Express can not verify the accuracy of the XXXX score and that they do not use standardized credit scores, such as a XXXX score, alone to determine the amount of charges that should be approved on a credit card account? 

3.Does American Express transfer receivables ( which are generated in a portfolio of designated consumer revolving credit accounts or features and, in the future, may include other charge or credit accounts or features or products, ) to the depositor and then the Trust and turn the receivables into asset backed securites?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}, {$29.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -This is not my account.