23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Consumer ID # XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non- compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX student loan open an account but it's not mine, I requested information and they didn't have any information for me. Equifax and XXXX are validating this fraudulent account for some reason while the other credit beaurals are accurate. I need help with this fraudulent account so it can get removed
Product: Credit reporting or other personal consumer reports

You are continuing to put inaccurate information on to my personal credit report. You are violating my rights as well as my life causing constant obstacles as you continue to go against the laws that congress put in place to protect my rights. You are reporting inaccurate information on my personal credit report. I have not live at these places and it indicates that I owe rent. You are continuing to go against the law and make it extremely difficult to live a good life because of the inaccuracies that you continue to put on my credit report. I recently sent your office a certified complaint. Explaining the how you are ruining my life by violating the consumer laws that are put in place to protect me. You are breaking the law. Please understand that you are violating my rights
Product: Credit reporting

I noticed that I had an item on my credit report that I was not familiar with and I had no knowledge of indebtedness to either organization. At that time I constructed a communication and sent it to Syndicated office systems also known as Central Financial controlling via Certified mail return receipt, received a validation of debt request on or around XXXX. Once the dispute was received by Central Finl Control the item was removed and then they same company that operates under two names placed the item back on my credit report under their other name ( documents are attached ). 

As you can see under the header of results of your investigation- continued, you can see that item from central finance Controlling account/XXXX was not found as it was removed. At the time I disputed the item it was still on my credit report. Once it was disputed, the company deleted the item and then added it back under their other company name. 
I have no knowledge or record of the account listed. Please advise me as to the name and addresses of the medical providers, the date and type of medical service and to whom the servicers were provided, as any accounts I might have had may be obsolete. If you can obtain this information, I would also need the name of the person providing the data and the manner in which it was provided so I may pursue additional legal remedies. The entries from my credit file are attached to this complaint. 

Third-Party Disclosure Improper Disclosure of PHI to third. Most businesses have Business Associates and Business Associate Subcontractors. These third party entities are responsible for protecting PHI and, with the Common Agency Provision in the HIPAA Omnibus Ruling ; you are now responsible for your Business Associates ' HIPAA Compliance. I would like to see their Compliance Plans. If they do n't have a Business Associate Agreement in place before you disclose information, you have a Breach on your hands. 

A Debt Collector Must Send Written Notice of Debts As I mentioned earlier, as part of the debt collection process, you must receive a statement outlining the specifics of your debt in collections. Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money.- Nothing was received when the 3rd party debt collector decided to just move the debt to their other name for their business so I was again not aware of any level of indebtedness.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 

Subject : Formal Dispute of Fraudulent Debt Account Number : XXXX Dear XXXX, I am writing to formally dispute the validity of the debt associated with account number XXXXXXXXXXXXX, allegedly transferred from the Department of Education XXXX XXXX XXXX XXXX XXXX This debt is fraudulent, and I have no record of ever opening such an account. Additionally, I never provided consent for the Department of Education or XXXX to share or use my personal information in any capacity. 

This account is currently inaccurately reporting on my TransUnion credit report. XXXX and XXXX have already removed the fraudulent account following thorough investigations. TransUnions continued reporting of this account is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as they are failing to comply with their obligations to report only accurate information.

I have already reported this fraudulent account to the Federal Trade Commission ( FTC ), the XXXX Police Department, and the Attorney Generals Office. Additionally, I have recently filed a complaint with the FBI regarding TransUnion and Nelnets continuing non-compliance. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : 1. Complete validation of the alleged debt, including all documentation proving the debts validity and showing any authorization on my part to open this account. 
XXXX. Proof of my explicit consent, including my signature, authorizing any sharing of my personal information with XXXX. 
3. Immediate cessation of all collection activities, including reporting to any credit reporting agencies until validation is provided.

Additionally, under the Metro 2 credit reporting standards, you are responsible for ensuring that all reported information is accurate. XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), established that parroting information from an original source without conducting a thorough investigation violates both FCRA and FDCPA standards. 

If you fail to provide the requested validation within 30 days of receipt of this letter, I demand the following actions : XXXX. Cease all collection activities permanently. 
XXXX. Remove this account from my credit reports and all consumer reporting databases. 
XXXX. Notify all credit reporting agencies that this account is fraudulent and disputed. 

Failure to comply will result in further legal action, including escalation to additional regulatory and law enforcement authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX, trustee XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit profile and it had outdated names, addresses, and phone numbers
Product: Credit reporting or other personal consumer reports

The credit file with Equifax and XXXX were subject to the data breach that had been effected. I have reached out to Equifax to remove any and all invalid reports to the file. This was done on or around XXXX, to XX/XX/XXXX, when I returned to follow up the online information was not accessible for my use. I was able to proceed by putting in outdated information to gain access to my file, which has loan amounts that are not factual. 

XXXX customer service disconnected the call in the process of deletion of outdated information, the follow up conversation with reps informed me incorrect listing would be removed. Fast forward no removal of invalid, incorrect information have been removed as of XX/XX/XXXX from Equifax or XXXX files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my TransUnion credit report and they will not remove them. I contacted the company directly and they did not help me. I did not apply for accounts with the banks on my report. I have fraudulent inquiries on my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX   XXXX never late XXXX XXXX  XXXX never late XXXX/XXXX XXXX XXXX never late XXXX/XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX   XXXX/XXXX  XXXX never late XXXX XXXX   XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX/XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX   XXXX not mine AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

In late 2023 I've applied for personal loan for which I've been prequalified from XXXX ( XXXX ' ). During the process I was required to submit certain documents to finalize the underwriting process. After submitting the application with all the documents it was XXXX  denied. I was told to expect to receive a letter via mail which will explain the reasoning, however I have never received XXXX. Following extended waiting I've called XXXX and requested a letter to be re-sent but it never arrived in my mailbox and no amicable explanation was provided why. The above metioned Adverse Action Letter ( 'Letter ' ) is required to be provided to the customer pursuant to Fair Credit Reporting Act & Equal Credit Opportunity Act.
Product: Mortgage

Ocwen has not been helpful when it comes to me making my payments. I make my payments in person at a local office. It takes a long time for them to process payments and they hold me accountable for paying late fees I should not be paying. I met with a Housing Counselor who has assisted me in my attempts to bring my account current. Last time we spoke with Ocwen they provided the amount due to bring the account current. We sent in that exact amount split into different checks because I had gotten assistance from different sources. They sent one back stating it was not the full amount due, well neither was the other half they accepted. Their customer service will just read the notes to you, and not look or even try in anyway to assist. This has been taking so many hours and I am still not able to resolve the issue yet. It all started on XXXX/XXXX/2015. They sent my payment XXXX years ago they claim, I have not gotten anything back yet. They told me to just re-send it, I see this so pointless. They have added a late fee once again, they should be responsible for not processing the payment correctly, and somehow it ends up being my fault. They have not even offered any type of assistance to me. I have XXXX, and have been having XXXX. When I reached out to them, and explained my hardship they simply said ... .. " This is the amount that is due on your account, do you think you can pay today? ". When Ocwen says, " Helping customers is what we do '' I feel like its a straight lie! Even if they do n't help me, can they just simply do their job right?
Product: Debt collection

I received the attached debt collection letter from Transworld Systems Inc at my tenant 's address. The debt is allegedly for a XXXX XXXX from 2012. I did not have a XXXX XXXX in 2012 and the address has been rented to tenant 's for over 10 years. I am unsure as to how this happened but my concern is fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items listed on my report that do not belong to me and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. XXXX XXXX : # XXXX, XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint file numbers : XXXX, XXXX It has been more than 30 days now. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I want and demand the following accounts removed from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report : XXXXXXXX XXXX acct : XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX.
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting this account incorrectly " There should be no balance, past due or monthly payment on an account no longer owned by original company, this account was transfer/sold ; DELETE IMMEDIATELY '' Here are the specific items in contention : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I will also provide proof of the violations According to the FCRA you must report this account as accurate, complete, and verifiable as we both know. Please confirm that you have verified this account and that it is up to FCRA standards. Please do not send a stall letter as I have stated a direct response of what needs to be done on my account or it needs to be removed immediately from my account. And I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within legal time frame of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I have been with capital one for a long time, and I have always appreciated the good value and service I have received from capital one. Recently I checked my credit report and noticed a mistake. I was devastated to see late payment showing up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of capital one and will be happy to do so as soon as we get this matter cleared up. Will you kindly send me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
If you believe it's correct, I demand : The date whomever validated it was correct. 
The method used to validate this Billing error. 
The name of the person who received the permission to Validate this error. The documents used to determine this error. 
I would appreciate it if this matter were handled in a timely manner. Items are listed below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, In accordance with the fair credit reporting act, this creditor Gateway Mortgage has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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.