23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give LCI Consumer Center my writing instruction to report any items on my XXXX consumer report. This section is very clear that LCI must have my written instruction and they don't have it and i didn't give it. This is pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not provided with verifiable evidence for my disputes against my negative accounts on my credit report
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt.

I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me.
Product: Debt collection

On XXXX XXXX XXXX XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX had filed a lawsuit with the XXXX XXXX XXXX on behalf of Goldman Sachs Bank. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. I am requesting the CFPB conduct a full investigation against Goldman Sachs Bank and assess fines for their unfair and illegal debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of XXXX XXXX, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and XXXX Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If Goldman Sachs Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should Goldman Sachs Bank and XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a credit card at my bank Prosperity and was denied within 48 hours. They simply said it was because of immigration status in the country. I provided them with a Tax ID and have a checking and savings account with them for the last 2 years. I asked them to provide me a documented reason why and they said it would be emailed to me but never received it. After calling again they said I could not get a credit card ever until my status changes. Without having any control over my immigration status I feel like I was treated unfairly. I know I may not be a citizen but I know I have rights and Im in hopes of someone helping me with this issue
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
Please remove this inaccurate address and account as soon as possible. This is not my home address. Please verify and delete it immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

The following information is in my credit report file. This account was not in my name nor opened by me. 
Item : XXXX Bank XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Account No. XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and XX/XX/XXXX ( and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 1

5 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 )
Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card or prepaid card

Well my XXXX card was mailed to a different address I was unaware that I had even got my card and was active so all the charges untill a card actually got sent to my real address were stolen and unauthorized I contacted XXXX and bank of America they did nothing for me
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Refusal to Delete Negative Charge Off After Receipt of 1099-C Form Dear Sir/Madam, I am writing to dispute the refusal of XXXX to delete a negative charge off from my credit report, despite the receipt of a 1099-C form from Discover Bank indicating the discharge of the debt. 

On XX/XX/year>, I received a 1099-C form from Discover Bank XXXX which clearly indicates the discharge of the debt associated with account [ # XXXX ]. As per the guidelines set forth by the Internal Revenue Service ( IRS ), the issuance of a 1099-C form signifies that the debt has been canceled, forgiven, or discharged. Therefore, it is imperative that XXXX  updates my credit report accordingly. 

Despite the receipt of this 1099-C form, XXXX has refused to delete the negative charge off from my credit report. This refusal to update my credit report with the accurate and current information is not only misleading but also in violation of the Fair Credit Reporting Act ( FCRA ). 

I request that XXXX takes immediate action to rectify this situation by : XXXX. Deleting the negative charge off associated with account [ # XXXX ] from my credit report. 
XXXX. Updating my credit report to reflect the accurate and status of the discharged debt as indicated by the 1099-C form from Discover Bank. 
XXXX. Providing written confirmation of the deletion of the negative charge off and the update to my credit report. 

I have attached a copy of the 1099-C form for your reference and verification. I trust that XXXX will handle this matter with the utmost urgency and professionalism. I expect a prompt resolution to this dispute and the removal of the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint on behalf of myself, there is no third party involved. 

On XX/XX/2021 EQUIFAX INFORMATION SERVICES LLC obtained my consumer report and file without a permissible purpose. EQUIFAX INFORMATION SERVICES LLC is also reporting unauthorized inquiries on my consumer report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 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: Debt collection

I got a phone call today which is probably my seventh or eighth from the same phone number and when I answered the call the person on the phone asked me for my Social Security number which I would not give her and then she hung up on me. I then proceeded to call the phone number back to find out the companys name and what their issue is with me and ask them to stop calling me and put everything in writing.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX  and it was financed for 60 months is what I thought in the beginning but I am being told XXXX payments. I have had this vehicle since XX/XX/XXXX and I traded in another vehicle as a down payment for this one. Well my loan was suppose to be paid off back in XX/XX/XXXX of this year but XXXX Investors extended my loan saying due to I had XXXX payments deferred which totaled XXXX and that they would be put on the back of my loan to extend it to get those XXXX payments. After that deferment I have made every payment after that. As of this email I am due for my XXXX. First investors never explained to me the interest on the deferred payments and I asked what would happen to those payments and they said they would be put to the end of my loan so now they are saying I owe XXXX and I asked them if they would be willing to take the amount of the deferred payment and they said no they would need XXXX and would put my account as paid for less than owed or something like this. Then I get a email stating I only made XXXX payment, how is that when I only deferred XXXX payments. I believe this company is doing something fraudulent because theres no way I only made XXXX payments since I had this truck. Its going on XXXX  years where as if my contract was suppose to be paid in full in XXXX of XXXX. Have you ever heard of someone paying on a vehicle for XXXX  years?? Please investigate them and their practices because its not adding up for me. I admit I have had a few hiccups but since my deferred payments when they were late I would get caught up and pay extra on my account. So something isnt adding up
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists So in the comment section,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX. I just recently changed my name due to marriage. My maiden name is XXXX XXXX. I just submitted a complaint regarding incorrect information on my credit report due to identity theft. XXXX sent my credit report to my parents home. I don't live there. I don't live at XXXX XXXX XXXX XXXX, GA XXXX. My father called me on Friday telling me that he received my credit report at their home. I disputed that address. Why are you sending my mail to my parents home. I uploaded my drivers license, utility bill, and information stating my new and current address, but they sent information to my parents address. Why? I am not happy with that at all. I will start sending emails to executives and the list that goes on if this does not stop and if they do not correctly address my issues. I spent over an hour on hold with them last week and I did not speak with the correct department at all and nothing was addressed which is why I started this complaint. Now I am submitting another complaint because they sent personal information to the wrong address. There are incorrect items that do not belong to me reporting on my credit report. Which are XXXX XXXX XXXX Transunion has removed this and XXXX has started their investigation. Why hasn't XXXX and if they have, I would know that if they sent the report to the correct address. XXXX  XXXX XXXX XXXX is still reflecting on my report and again, TransUnion is the only agency that has reflected this removed. There are XXXX inquiries on my report that I did not initiate nor give anyone permission to run my credit and there is a bankruptcy on here that I never did initiate that hasn't been removed. Again, XXXX has not sent correspondence to my home and as far as I am concerned it doesn't exist until it shows up at the address that is on my Drivers License and utility bill that is attached to this complaint. I have requested that all address be removed from my report outside of my current one. Also, I do not work at XXXX XXXX XXXX and I need that removed from my report. 

XXXX still keeps sending me emails stating that they need supporting documentation. I have sent that and more. I have attached it to this complaint, the one prior, and I have sent it to all major executives in the company. They have it. I need them to do their jobs before they are hit with a civil suit ... .after all it is their fault that I had to have my dl number changed ... due to their breach. XXXX has a fax number that I sent a fax to twice. Both failed stating that the phone line disconnected. It seems to me that they don't want the documentation being sent. I have sent proof. 

Transunion has done great. The only things that haven't been removed are inquiries. I haven 't initiated any of those inquiries that are on my report. I would appreciate those being removed asap. 

All I am asking is for the right thing to be done. I have rights under the FCRA. I will exercise those rights and retain an attorney to do so if I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$22000.00}, XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting or other personal consumer reports

The only two accounts that are my are XXXX XXXX and XXXX XXXX XXXX I paid both of those accounts off they should not be in negative state. The other accounts are not mine I never authorized them.my social security number was hacked Name XXXX XXXXL Account Number XXXX Opened XX/XX/XXXX Status Paid, Closed POTENTIALLY NEGATIVE XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$610.00} written off. 
Status Updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. 
Status Updated XX/XX/XXXX XXXX
Product: Debt collection

I have not lived at the house that they supposedly sent details to. I have not received a call, nor have I been able to call them. Their number does not work. I've attempted to call local offices as well. I have recorded what happens when I attempt to call them. I get a recording every time. How can I work with a debt collector when I can not contact them? Are they not required to be reachable? it seems like a very shady tactic to tell consumers to contact them at a specific phone number, then that phone number does not work. Now my wages are being garnished???? I could have worked this out with them had the been communicative and reachable. 

Additionally, my name is spelled incorrectly, which might be why I don't receive any mail communications from them. They've failed to correclty spell my name, but received a default judgement against me with my name incorrect? I don't receive any mail from them because no one by that name lives at my address.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX