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

I requested the credit bureaus update my personal address to my current and correct residence of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, where I have lived for over three years. I provided supporting documentation, including a recent utility bill and a copy of my driver 's license, as proof of residency. 

Despite my request and the provision of sufficient documentation, the credit bureaus have failed to update my address and remove all other addresses from my credit profile. This inaction is causing me significant inconvenience and may negatively affect my credit standing and ability to conduct financial transactions.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to request and expect that the information maintained in my credit report is accurate, complete, and verifiable. The bureaus ' failure to update my personal address may constitute a violation of this law, as they are not ensuring the accuracy of my personal information.
Product: Debt collection

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. According to the Fair Credit Reporting Act, I am well within my rights to contest any inaccuracies on my report along with the company that provided the information to the CRA. Also, under the Fair Credit Billing Act, I am well with my rights to contest any billing errors that appear on my report such as : -Charges not made by the consumer -Charges in the wrong amount -Charges for goods not received by the consumer -Failures to properly reflect payments or credits to an account -Charges that the consumer wants clarified or requests proof of. 
No doubt the inclusion of this inaccurate information is a mistake on either Transunions or the reporting creditor 's part. Furthermore, the following information needs to be verified and deleted from my credit report as soon as possible. Also, this is an improper inclusion of reference to an asserted disagreement by the consumer that was never submitted under FCRA 611 ( b ). Please reinvestigate this matter and delete or correct the disputed item as soon as possible. I will wait the allotted 30 days for a response from your agency with evidence that the following account belongs on my report and that my rights have not been abrogated. If no records exist, please delete this damaging account information. Thank you in advance for your time.
Product: Debt collection

They are calling for my son ( XXXX XXXX ) after I have told them that he does not live here. I have told them not to call, and they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and closed in full. The creditor has received all payments but has this reported as charge off in current status. And reported payments late when they were made to close the account every 2 weeks. I had reported this with the credit bureaus and the status is still incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax, and XXXX regarding several inaccuracies on my credit report. I also reached out to the collection agencies that are reporting this inaccurate information but they never responded after several attempts. The issue i have with XXXX, Equifax, and XXXX is they are falsely claiming they have done investigations and I know for a fact, 100 % they have not done any investigating because i also provided them proof of the inaccurate information and they still failed to remove the items. For example : I provided a copy of all 3 bureau credit reports and highlighted the inaccuracies across all 3 bureaus. If all 3 bureaus are indeed performing an investigation and gathering their information from the collection agencies, then there is no reason for all 3 bureaus to have different information ( balances owed, date of last activity, collection accounts that still show open status, late payment/charge off dates all different ). 
XXXX XXXX Acct XXXX shows open status with XXXX, but closed with XXXX. It says account not disputed when I also have proof this account has been disputed several times. 
XXXX XXXX Acct XXXX shows open status with XXXX  and closed with XXXX. Date of last activity shows XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. This account also says not disputed and i have proof that it has been disputed. 
XXXX XXXX Acct XXXX again shows open status with XXXX, but closed with XXXX. It shows last date of activity as XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX  XXXX XXXX Acct XXXX again shows open status with XXXX, but closed with XXXX. Last date of activity as XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. 
XXXX XXXX Acct XXXX shows open status with XXXXXXXX  but closed with XXXX. LAst date of activity is XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX is showing as a closed collection account with XXXX  and Equifax but the balance continues to change. Last date of activity is XX/XX/XXXX with XXXX  and XX/XX/XXXX with Equifax. 
With all these inaccuracies, there is absolutely no way these bureaus are conducting fair investigations and i know i have rights as a consumer.This inaccurate information is damaging my credit and causing me to be denied credit and i've already lost 2 job opportunities becuase of this.
Product: Checking or savings account

I paid 8 years sss.gov payments XXXX. I do not have any returns or income past XX/XX/2002. I need a withdrawal of the funds as i am stranded and harmed overseas deliberately by the US Immigration and cybercriminals exploiting me. I do not have capital of my wages since XX/XX/2002 nor any returns from ssa.gov payments I had direct deposit to XXXX  checking, so it must be XXXX that paid to ssa.gov I have XXXX cash and in XXXX, i do not have any information about XXXX, i do not have any support from my mothers or fathers friends or relatives. I depended on my mothers pension btu she is dead. I need to have the withdrawal of the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dollars i need. Chase IRS.gov and company accountants are not revealing how much capital to wages and how much i should have been paid when i left XXXX XX/XX/2002.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX car from XXXX in XX/XX/2018 I was told the amount I was purchasing was for XXXX. The day I drover off the lot I notice that the vehicles sun visors an a seat belt clip where broke and turned back around I went back an brought it to the attention of the sales rep who had sold me the car and he said that he was going to try and get the sun visors replaced I was later on contacted buy a lady stating that the sun visors for a cosmetic fix and that it was my responsibility to get them fixed two weeks after that the CBC axle started going out on my car and I expressed it to them and I was told once again I would have to go to another place and have them check it out and I would have to schedule the appointment for me to do that so as I had the car more things started going on with it and I contacted them also to see if I can get my payment switched from weekly to bi-weekly and they refuse to actually switch it in told me I had to pay a whole entire month all in advance before I could even get my car payments which according to my paychecks my car was later on repossessed because I could not do the weekly payments because I got paid bi-weekly and when they repossessed my car they actually destroyed property at the XXXX XXXX to repossess the car I later on just went and picked up my belongings and now they are still trying to come after me for {$15000.00} of the car when it was priced at {$10000.00} all of the papers and everything showing of what I was supposed to pay for it I also have quite a few witnesses that can attest to my statements being accurate so I would like to find out what I could do to have it removed off of my credit being that I was sold a car that was basically defective and had things going on with it and it was not worth {$10000.00} and I was a first-time car buyer
Product: Credit reporting or other personal consumer reports

Transunion is furnishing incorrect information on my credit report. XXXX XXXX XXXX is alleging that I owe a debt to them in the total amount of {$330.00}. I do not nor have I ever owned any money to this company. Transunion claims to have investigated through its regular disputing process but did not validate nor verify this debt. If they had done so, they would know that I do not owe this company and have never held an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters since XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the remaining unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and potential violations in my credit report datedXXXX XXXX, XXXX. As a victim of identity fraud, it is critical that my credit report reflects accurateand verified information. Upon reviewing my report, I have identified the following discrepancies and issues that need immediate attention : XXXX. XXXX Account ( Account Number : XXXX ) ** - This account shows a charge-off status with a past due amount of {$770.00} as of XXXX XXXXHowever, I have previously disputed this account, and the result of the investigation wasmarked as " consumer disagrees. '' This account remains in dispute, and the status needs to beupdated accurately. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Several accounts associated with XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX ) have been charged off with significant past due amounts. These accounts were included in my dispute due to fraudulent activities. Despite my disputes, the statuses have not been corrected to reflect the fraud investigation findings. 
XXXX. XXXX XXXX - My report includes a victim alert stating that fraudulent applications XXXX have been submitted in my name without my consent. Despite this alert, there are still accounts that have not been addressed properly. I urge you to conduct a thorough investigation and remove any fraudulent accounts from my report. 
Given the severity of these issues and the impact they have on my creditworthiness, I request that you promptly investigate these accounts and provide me with a detailed response. Please correct any inaccuracies and ensure that my report reflects the true state of my credit history. I have attached copies of relevant documents, including my identification and a copy of my credit report highlighting the disputed items. I appreciate your prompt attention to this matterand look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies. 
I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have or had my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Had not ask me or informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. and i had written them to stop due to identity theft and breach of Data in there care.
Product: Credit card

My account with this XXXX XXXX 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 XX/XX/XXXX TO XX/XX/XXXX 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. XXXX XXXX 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 to 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

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

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

I sent a letter multiple times to XXXX, XXXX, and Equifax. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this another CFPB Complaint to request to the Credit Reporting Agencies once more to investigate the following accounts and remove them from my credit file. I am submitting this CFPB Complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to be removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Debt collection

Midland Credit Mangement reports inaccurate and non-sustainable information after formally requesting by certified mail pursuant to the FTC XXXX XXXX XXXX. XXXX ( a ), to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts from {$6.00} to XXXX credit reporting agency to as high as {$610.00} to another. Upon speaking with the Company 3 weeks prior I was advised that this company no longer has this account and it was sent to XXXX XXXX XXXX. This company continues to report to XXXX and XXXX
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/22 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 the credit bureaus 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 Balance : {$2900.00} ; XXXX XXXX XXXX XXXX : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$500.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : HP SEARS Address : Account number : Your NAME : XXXX XXXX Your address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

XXXX XXXX