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

I have a leased XXXX XXXX with XXXX XXXX  and for the first time after 6 years there was a misunderstanding between XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  where i have my account, i have made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and for some reason XXXX didn't get the money, no one from XXXX XXXX contacted me about the issue and when i have realized that XXXX didnt make the payment i went ahead and made another payment on XX/XX/XXXX not only did XXXX charged me a returned payment fee and they flagged my account for 30 days passed due after I made the payment on XX/XX/XXXX which has been collected by XXXX XXXX now this action on their part dropped my credit score by XXXX points. i want them not only to stop flagging my credit also to give me back those XXXX points that i have lost due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting

XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian 's XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XX/XX/2016 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Product: Debt collection

On XX/XX/XXXX the account for LVNV Funding LLC was closed but not removed for inaccurate reporting then updated as closed but still reporting which is against my consumers rights. I have never had an account with this company not given this company my information. I have tried to contact this company with no prevail. The balance for {$11000.00} is not mine nor the is the balance for {$4600.00}. I responded to this company in the dates of XX/XX/XXXX and XX/XX/XXXX. The the last day to respond was XX/XX/XXXX. I responded within the time frame that was required with no answer both times. The account is closed but still information that is inaccurate and also this account is not mine. There is no original creditor to verify this information.
Product: Credit card

Year XXXX 's Travel Together Ticket offered by Chase British Airway Visa card. 

I am entitled to a Travel Together Certificate for the 2023 year because I had met the {$30000.00} spending requirement. 

The spending requirement should be based on the CALENDAR YEAR which is stated clearly on British Airway 's website. However, Chase insisted that I did not meet the requirement because of my XX/XX/XXXX statement 's cut off date of XX/XX/XXXX. This is NOT what the requirement says. I had discussed this with Chase over the phone and had it escalated with Chase. However, I was only getting standard answers saying I did not meet the spending requirement without anyone 's actually looking into the issue for me.
Product: Debt collection

NCS debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
NCS falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
NCS failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation NCS intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of NCS is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.
Product: Debt collection

We went to court before the COVID-19 started. I was recovering from XXXX  and XXXX XXXX from XX/XX/XXXX & XX/XX/XXXX. The original Creditor is XXXX   XXXX  in which XXXX XXXX had shared my XXXX  Procedure ( XXXX XXXX XXXX ) Without my permission. I have never signed any ( XXXX ) form to release any of my medical or dental records to ( XXXX XXXX XXXX ) or anyone. I have been back and fouth with ( XXXX XXXX XXXX about not owning this amount of money to ( XXXX XXXX ) XXXX XXXX XXXX Mentioned to the Judge he had made a mistake about the amount that is owed, he stated His Client ( XXXX XXXX ) said it was {$1100.00}. XXXX dollars before the courts had closed down for COVID-19 I told the Judge that {$1100.00}. The Judge told him to send me that correction and he never did, of the {$1100.00}. XXXX dollars, which was also, incorrect. ( XXXX ) the Receptionist who was working there at the time told me after I had paid my insurance covered it after two months later they claimed I owed more.
Product: Credit reporting, credit repair services, or other personal consumer reports

you meaning cfpb did absolutly nothing to correct this problem with world finance i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and world finance bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing
Product: Credit reporting or other personal consumer reports

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX  dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute against XXXX XXXX with all XXXX of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported XXXX inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The XXXX XXXX XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX and then reports no other data for any of the other months or years. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The First Regional Acceptance Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX-C Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but XXXX XXXX continues to report to the XXXX credit bureaus that I am still past due {$9700.00}. after it reported a XXXX-C to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these R accounts listed below are in violation of not reporting % XXXX accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX Partial Acct # XXXX ... 

XXXX XXXX Partial Acct # XXXX ....
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

Midland Credit Management is claiming these debts are open balances. I do not believe that these debts from Midland Credit Management that are being reporting on my credit reports are valid. Midland Credit Management last reported XX/XX/XXXX for {$3500.00}, opened XX/XX/XXXXXXXX The amounts are showing as open balances, the date is incorrect, the amount is incorrect, and I have not received any validation of debt despite my attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 and XX/XX/22, I contacted the credit reporting agency TransUnion regarding inquiries for a company that I have not authorized nor do I have an open account with. TransUnion stated that the items will be removed from my report and I will have written correspondences sent to me. As of today, I have not received any information regarding my disputes, and feel that I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2017 Reference # : 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: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have sent a complaint to XXXX over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a DISCOVER CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a DISCOVER CARD at that time. Once I realized this was a fraudulent use of my social security information I notified DISCOVER on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called DISCOVER notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

JPMCB is reporting negative remarks on my consumer report. They are stating that there is a debt for {$5900.00} but are stating the account is closed at XX/XX/year>. I never received a XXXX from this company nor have they validated the debt under the laws and regulations. I don't consent to inaccurate and invalid information on my consumer report. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX  BALANCED {$890.00} XXXX XXXX XXXX XXXX BALANCED {$760.00} XXXX XXXX XXXX XXXX BALANCED {$970.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$480.00} XXXX XXXX XXXX BALANCED {$980.00} XXXX XXXXXXXX XXXX BALANCED {$470.00} XXXX XXXXXXXX BALANCED {$21000.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Experian for Violating FCRA Section 607 ( b ) Dear CFPB, I am writing to formally lodge a complaint against Experian for clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ). This section mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. 

I have encountered a troubling situation concerning my credit report that illustrates Experians failure to uphold this legal standard. According to my records, my First Progress account ( Account Number : XXXX ) was reported as " Paid, Closed/Never late '' and had a positive payment history. However, on XX/XX/XXXX, I discovered that Experian had unreasonably deleted this account from my credit report. 

This deletion not only misrepresents my credit history but also adversely affects my creditworthiness, thereby threatening my access to essential services such as credit, employment, and housing. I have attached documentation from XXXX XXXX XXXX confirming that they updated my information and reported this account to all three credit bureaus. 

Despite providing all necessary documents to support my claim, Experian has failed to reinstate my XXXX XXXX XXXX account. This account needs to be reinserted as soon as possible, as its absence is causing significant harm to my credit profile. Their blatant disregard for the accuracy that the FCRA requires is unacceptable. 

This situation is exacerbated by Experian 's history of inadequate investigations into disputes, as highlighted by previous legal actions taken by the CFPB against them for sham investigations. 

Given these ongoing business practices, I urge the CFPB to take immediate action against Experian. Their repeated violations not only undermine consumer trust but also violate the rights of individuals like myself who rely on accurate credit reporting for financial stability. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary actions taken against Experian for their continuous disregard for the FCRA. 

Sincerely,