23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I disputed the amount on Monday XXXX I was contacted XX/XX/10 about the debt. Never received the paperwork going over the dispute. I told the person on the phone that I disputed the debt and told him he shouldnt be contacting me until I get the info that I am requesting. The person on the phone claimed to have emailed it to me. When I told him no he didnt he then said he did not have a valid email for me- which is a lie because I have received communication via email from this collector.
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint against Alexander Rose and Associates, a debt collection agency, regarding their handling of a debt collection account on my credit report. The details of my complaint are as follows : I discovered an account on my credit report from XXXX at XXXX XXXX for an alleged debt of {$3900.00}. I broke my lease at my apartment due to a family violence situation and had an agreement with the property manager to end my lease due to unsafe conditions for my children and I. I was not contacted by XXXX at XXXX XXXX prior to the dent being sold to Alexander Rose and Associates or before its appearance on my credit report. 
I requested validation of the debt in writing from XXXX at XXXX XXXX on XX/XX/year> but have not received any response or documentation supporting the validity of the debt. 
Additionally, I know that the debt has been sold to Alexander Rose and Associates by the apartment complex, which raises concerns about the accuracy and legitimacy of the debt. 

I request that XXXX at XXXX XXXX provide validation of the debt in accordance with the Fair Debt Collection Practices Act. 
If the debt can not be validated, I request that Alexander Rose and Associates cease all collection efforts and remove the account from my credit report. 
I also request that Alexander Rose and Associates provide confirmation in writing that the debt has been removed from my credit report. 

I authorize the Consumer Financial Protection Bureau to share my complaint with XXXX at XXXX XXXX and any other relevant parties for the purpose of investigating and resolving this matter. 

Thank you for your attention to this matter. Please let me know if you require any further information or documentation. 

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

the ftc violation of XXXX was filed XXXX XXXX XXXX XXXX 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint regarding an outdated debt that should no longer be reported or pursued. The debt in question is over XXXX years old and should be XXXX per applicable regulations. 

Despite this, the company has continued to contact me at odd hours, often multiple times per day, even after I explicitly explained the situation. I have already provided details regarding the dispute with the insurance company, the excessive costs, and my inability to pay. However, they persist in attempting to collect on this aged debt, which should no longer be legally enforceable. 

I request that this matter be reviewed and that the company cease all collection efforts, including removing any negative reporting associated with this debt. Please take appropriate action to ensure compliance with the law. 

Thank you for your time and assistance.
Product: Vehicle loan or lease

XXXX Kia has given me a copy of my contract that is not signed by me which in the contract on the signature pages, it states that this contract is VOID if its missing two signatures, so there for there should not be an active loan nor contract. I have attached a copy of this contract that should have never been financed by the bank nor should i have paid any car notes and my " downpayment '' in cash which also violates the LEGAL LAW of 15 USC 1662 ( 2 ) which states no down payment can be advertised in the extension of consumer credit.

Also, the finance charge and contract violates the LEGAL LAW OF 15 U.S. Code 1605 - Determination of finance charge which states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) This is dealership fraud plus violation of my rights, credit profile and more
Product: Debt collection

I was placed in collection by XXXX XXXX. they contracted Allied Interstate collection company. I had trying to contact XXXX XXXX couple time, I left voices main and my imformation, in order to resolve this issued. I have paid all the balance remain from that units. also ALLIEDI NTERSTATE, not want to accept any documents they want to inforce any potential force about report to the my personal credit files.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not authorized and should not be reporting.
Product: Vehicle loan or lease

I called Santander on XX/XX/XXXX because they had not updated my payment history and balance at the credit bureaus since XX/XX/XXXX. It shows that my last payment was for XXXX, and the balance is {$3000.00}. 

I have made a {$1000.00} payment every month since XXXX, which is 2.25 times the regular payment amount. When I called Santander, the balance was {$2900.00}, and the last payment was on XX/XX/XXXX. They told me that they don't handle updating at the credit bureau, and I would have to call the credit bureaus directly. I called the credit bureaus and they said the opposite, that the Creditor is responsible for reporting the information to them. I open up a dispute with the credit bureau and at the time that I open up the dispute my balance was at {$1900.00} because I had made another payment on XX/XX/XXXX. While the dispute was in process, I made another payment of {$1000.00} on XX/XX/XXXX bring my balance to {$990.00}. The credit bureau completed the dispute on XX/XX/XXXX and said that Santander reported that they've updated the balance to {$3000.00}. Santander refuses to do anything and the credit bureaus can't do anything unless Santander reports the correct information. Please make them update my credit reports with XXXX, XXXX, and XXXX. My account is paid through XX/XX/XXXX and my balance is now {$990.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I submitted a complaint to CFPB The response I got was " After researching your concern, we were not able to locate a XXXX account associated to you. 

Signed XXXX XXXX Escalation Rep.

I can't change the information, they can't find any late payments so why would they purposely summit incorrect information to the credit bureau.

I work very hard to maintain a good credit score and it's not fair that you would penalize me for your mistake. Please contact Experian and tell them you have no history of my account being late
Product: Debt collection

In XX/XX/2014 my wallet got stolen and I reported all of my cards. I was charged on a few including my XXXX  card that I m now complaining about nd taken to collection. My other cards, the amounts not mines, were disputed. However, XXXX took me to collection without taking my dispute in consideration nor my complaints. I told them what happenwd but they did nothing to help me. They just wanted to charge me and disregard my complaint. The amount on XXXX Card charged is about 990-1,200. They continue to send me letters changing the amount. They ruined my credit but continue to charge me as well as debt collection.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate, incomplete, and unverifiable information on my credit report obtained from your agency. This erroneous data is damaging my creditworthiness and financial stability. The reporting of this information appears to violate federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). The issues I have identified are as follows : 1. Inaccuracy : The reported information is incorrect and does not accurately reflect my financial status. 
XXXX. Incompleteness : The report is incomplete and fails to present a full and accurate picture of my credit history. 
XXXX. Unverifiability : I believe certain information in my report can not be verified or substantiated by the credit reporting agency. 

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to correct the inaccuracies in my credit report. Additionally, I ask that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a detailed written explanation of the findings.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a creditor whom I am not familiar. Equifax has placed a creditor on my credit report without my permission. Please remove and give me detail on how Equifax investigated this item and LEGALLY ALLOWED THIS CREDITOR TO BE PLACED ON MY CREDIT REPORT AND LOWER MY SCORE AND CAUSE HARM TO MY CREDIT REPORT. 

The agency name is XXXX. I have NEVER heard of the company. The date assigned XX/XX/year> There is no account number XXXX  Please see attachment Amount {$210.00}
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and subsequent identity theft. The following accounts and inquiries appearing on my credit report are fraudulent and were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be immediately blocked and deleted from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I contacted Credit karma on XX/XX/year> to change my login information my previous email address and phone number tied to the account do not exist anymore, they told me I needed to send photos of my driver 's license and social security card in order to change my login information during the process they obtained my new phone number and new email address. I told them I never sent photos of my driver 's license and social security card when I opened the account with them and didn't want to send it now. They said they need the photos to verify me. I said that since they are emaiIing me and my phone number is right on the email they are infact verifying me with my new information already so why can't I login now? I asked for a supervisor and they disconnected the phone. I contacted them on XX/XX/year> and asked to have a supervisor call me, they said they don't make outcalls and again asked for my sensitive documents in the form of a photograph. Since then they have emailed me on XX/XX/year> and XX/XX/year> the emails show my phone number right on the email. So they are verifying me already I don't know why they need photos of my driver 's license and social security card. I have never done that before for anyone or any company.
Product: Checking or savings account

I have opened Truist checking account with promo code XXXX. I have completed all the requirements and have not received my promotion.
Product: Mortgage

in XX/XX/2008 we decided to refinance our home so we chose XXXX well instead of a refinance we where pushed into a home equity loan little did we know the rest of our life would be turned upside down we ended up with a bad deed of trust a cloudy title and numerous other issues we have been fighting with the bank for almost 10 years with many attorneys with know out come they have stopped accepting payments and put us in foreclosure status the statue of limitations is up on the forclosure yet they keep on and even trying to sue us this has been an absolute nightmare fist XXXX   then XXXX XXXX XXXX And now XXXX  XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CREDIT BUREAU ' HAS REFUSE TO EXCEPT DOCUMENTATION FROM LOCAL LAW ENFORCEMENT AND FEDERAL TRADE COMMISSION TO HELP A IDENTITY THEFT VICTIM THAT HAS SUMMITED ALL ACCOUNTS THE PERSON HAS BEEN A VICTIM TRANSUNION HAS NO COMPASSION FOR THE CONSUMERS THAT HAS BEEN VICTIMIZED BY CRIMINALS.
Product: Debt or credit management

I paid Lexington law for credit repair and they did nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX Transunion XXXX XXXX 2000 XXXX, PA XXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR XXXX AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS XXXX XXXX ( Cancellation of Debt ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting.

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form 1099-C for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus 3. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service Attorney General 's Office California Department of Justice, Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/ treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Elan Financial such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Elan financial and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Elan Financial XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Product: Credit card or prepaid card

I have a Self credit card. Well over a month ago, I asked them to close out the card. The card is a credit builder, where you put money into the card. There is a {$400.00} amount on my card that is supposed to be refunded to me. I have been trying to get the {$400.00} for over a month and the company keeps stalling. The {$400.00} is due to me. They need to refund it to me. 

'Self ' credit card is shady and has NOT refunded my {$400.00}. This needs to be rectified. I paid the amount onto the card in good faith. They are stalling and not paying the {$400.00} I have coming. 

Warning : I would advise against this card. They do NOT practice what they preach. If they do not refund my money I am going to continue with a LAWSUIT which will include all of the time I have spent trying to get my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning this.