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

XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hereby submit this correspondence to dispute the accuracy of the collection account reported by Aldous and Associates on my credit report, and to demand a cease and desist regarding the same. The account details are as follows : * Reported Date XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} * Overview : Needs Attention. You have 100 % left to pay on this collection. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open * Type : Derogatory * Responsibility : Individual * Remarks : Account information disputed by consumer, meets FCRA requirements I assert that the reporting of this collection account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Inaccurate Reporting : The reported balance and account status do not accurately reflect the true state of the account, contravening FCRA 623 ( a ) ( 1 ) ( A ).

* Failure to Investigate Dispute : Aldous and Associates has neglected to conduct a reasonable investigation into my dispute, as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

* Failure to Report Accurate Information : Aldous and Associates has inaccurately reported information regarding the original creditor, in violation of FCRA 623 ( a ) ( 1 ) ( C ). 
Furthermore, pursuant to the statute of limitations for creditors to report a collection account in the state of Oklahoma, which typically spans 5 years, any collection account exceeding this timeframe is deemed time-barred and should not be reported on my credit report. Thus, the reporting of this account constitutes an additional infringement of my FCRA rights. 
Moreover, I hold XXXX accountable for allowing this account to persist on my credit report beyond the statute of limitations, thereby further breaching the FCRA. 
Should this dispute not result in the deletion of the aforementioned collection account, I will be compelled to escalate this matter to the Attorney General of the state for the violation of my FCRA rights. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and ensure that Aldous and Associates and XXXX rectify the inaccuracies and expunge the collection account from my credit report. Additionally, I request written confirmation of the investigation 's conclusion and the subsequent corrections made to my credit report. 
Please consider this as a formal dispute and demand for a cease and desist regarding the inaccurate reporting of this collection account. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

DELETE THESE ACCOUNTS :
Product: Vehicle loan or lease

Upon getting a new vehicle, i voluntarily surrendered my vehicle and made a verbal agreement on the phone with bank rep to pay {$100.00} per month. After the vehicle was auctioned off the bank requested the full amount which was over {$5000.00} immediately. After telling them i could not pay all that up front and that an agreement was made for {$100.00} per month, the bank decided to threaten me with a lawyer who never called me and now we have to go to court. They auctioned the vehicle for less than what the value was then tacked on a repo fee also. Credit acceptance also has added an unfair amount of interest on the loan.
Product: Debt collection

I have send a debt validation letter two times on the following dates XXXX XX/XX/2021 and each time XXXX XXXX XXXX XXXX has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit files and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Dear Equifax Consumer Services Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Inaccurate Accounts XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

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

My credit is being ran at several car places and credit card companies from XXXX XXXX XXXX 
I reported my identity theft info to the proper authories but nothing has been done This is hitting my credit hard and Im trying to fix my credit and there are over 50 inquires from all types of financial banks for car loans that I didnt approve
Product: Credit reporting or other personal consumer reports

Someone use my information to open up an fraudulent account with XXXX XXXX that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Mortgage

We applied for a modification from Rushmore Loan Management Services, and we heard back from them, with an approval that we do not understand. 

The approval is asking for {$7000.00} down, we are fine with that. But our monthly payment would be {$3500.00}!!! 

We did not understand how is it that they think we could afford a monthly payment of {$3500.00}, cause we did NOT submit that kind of income to them, cause it simply does not exist. Our gross income is approx {$8500.00}, and our take home is way less than that. So there is no way our income could support a {$3500.00} monthly payment. 

We called in for it to be explained to us, as to where do they find that we can afford such a payment, and the agent we spoke with, could not explain. All he said was that the bank used the income we sent in, but thats a lie, cause we did not submit income of over {$10000.00}. So we actually have no answers and we are confused. 

Im guessing they may be trying to use rental income from a property thats being foreclosed on, with mortgage payment of {$1500.00}, and there are NO TENANTS! Property is being foreclosed on.
Product: Vehicle loan or lease

I wish to file a formal complaint against SE Toyota Finance.

I sent them a letter several months ago explaining that we would have to miss one payment due to being off work for over 4 months. We also explained that XXXX XXXX XXXX put a hold on payments and ALL late fee charges. 

Despite this, we are still being harassed by SE Toyota for both late fee and a missed payment. We have resume payments but requested that the one missed month be added to the end of the contract due to extreme circumstances. 

SE Toyota Finance acknowledged receiving this and have not only done nothing but continue to bill us for both months AND added a late fee. It is my understanding that his is illegal. Certainly unethical, given the circumstances. 

Kindly address this matter. 

Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX SouthEast Toyota Finance XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

On XXXX XXXX, 2015, I applied for a HAMP Tier 1 loan modification of my mortgage loan, which is secured by my primary residence located at XXXX XXXX XXXX, XXXX, MD XXXX. I transmitted my loan modification application on the required form " Request For Mortgage Assistance '', dated XXXX XXXX, 2015, to America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application. On XXXX XXXX, 2015, I transmitted to XXXX XXXX, together with other documents, a Hardship Affidavit, which explains the hardships which caused my default on the subject mortgage loan and my need for a HAMP Tier 1 loan modification. In its letter, dated XXXX XXXX, 2015, which rejected my loan modification application, ASC refused to disclose to me what it refers to as the " complex NPV Formula '', as stated on p. XXXX, in the Paragraph entitled " About the calculation required by the program '', which formula ASC states that it used to deny my loan modification application. In addition, ASC has refused to disclose the manner in which it applied XXXX alleged factors to the alleged NPV formula. I have requested several times in writing that ASC disclose to me the NPV Formula and the manner in which the alleged XXXX factors have been applied to the NPV Formula. As recently as XXXX XXXX, 2015, I requested by letter that ASC disclose its NPV Formula, list the information which ASC inputted into the formula and the information which ASC stated that the U.S. Treasury requires ASC to combine with ASC 's information, and the " Treasury required information '' which ASC inputted into the NPV Formula. Again, ASC has refused to disclose the NPV Formula and the manner in which information and its XXXX factors have been applied to the NPV Formula. ASc has not responded to my letter, dated XXXX XXXX, 2015, in which I again made these reasonable requests. ASC has acted in bad faith throughout this loan modification application process.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have taken immediate action by notifying the appropriate authorities to rectify the situation. I am working diligently to secure my personal information and restore my accounts. 

XXXX XXXX XXXX XXXX in the about of {$75000.00}. 

I have filed additional documents with the FTC regarding my identity theft case and have notified my creditor and the credit bureaus to ensure they are aware of the situation. I am actively working to resolve this matter and protect my financial identity.
Product: Debt collection

In XXXX, I purchased a security system from XXXX XXXX. After six months of having the system, I called to let them know I wasn't satisfied with the system. She told me that she would let her supervisor know and they would send someone to get their equipment. They stopped monitoring my home but nobody ever came to get the equipment. In XXXX, XXXX XXXX XXXX contacted me repeatedly about paying them {$4100.00}, I asked for a debt validation letter but I was never sent one. I contacted an attorney and XXXX XXXX stopped calling and the collection was removed from my credit profile. In XX/XX/XXXX, I was contacted by Zion Debt Holdings contacted me about the same debt via text message stating that if I were to pay them {$1200.00}, the collection would be removed from my credit profile. I have done business with this company, purchased anything from this company or had any dealings whatsoever with this company. This company should stop reporting false collections on my credit profile. If XXXX stopped monitoring my home, how could I have a debt with XXXX more than the equipment and six months of monitoring? If it's in collections, how can I be late for monthly payments
Product: Debt collection

CalXXXX XXXX XXXX Get so insurance company to have my policy cancel 2 months ago, Because I found some better insurance they are still billing me stating that I asked old the of money which I cancel my contract 2 months ago
Product: Debt collection

I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with Capital One. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing XXXX XXXX. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to XXXX XXXX, When I called Capital one the told me to contact XXXX XXXX. When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to XXXX XXXX and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. Capital one said they don't have the account, XXXX XXXX says they do not have the account so now it's on XXXX XXXX. 

Please clear my name from my deceased husband 's account from Capitol One. Acct # ending XXXX
Product: Student loan

I recently disputed my Aidvantage Dept/ED Account # XXXX with a major consumer reporting agency. They replied that the account was verified but did not provide any proof that they contacted the creditor. How can I trust their verification?
Product: Credit reporting or other personal consumer reports

Data Breach at XXXX which leaked my personal information which requires Extended Fraud Alert from today for the next seven years. Also, remove all old addresses and telephone numbers
Product: Debt collection

XX/XX/XXXX Please reference my original Complaint # XXXX, filed XX/XX/XXXX I have received another notice from the same company with a " reduced '' amount to pay. 
Per my original complaint, the VA has paid this debt once, possibly twice. I am a veteran and " all bills submitted '' to the VA, are paid through the VA. 

I had a three way conversation with the nasty woman who said she was an attorney and the VA billing department. She didn't do much listening however the VA and I managed to get through the conversation with her. Arrangements to pay the bill were confirmed and all parties hung up. The VA billing did add that their bill had NEVER been submitted to the VA however it did line up with when I was hospitalized.

They can reduce the debt down to a dollar and I will not pay it! If their billing system is so messed up I get a notice once a year, and they can't find the payment sent to them. that's on them, not myself or the VA.

To reduce the bill after I filed a complaint saying I would not pay a debt I do not owe is a testament to their inept handling of this matter.

I will not pay what the VA has already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Product: Credit card

I do n't know how but PayPal said I opened a credit card with them and that I charged {$100.00} to a " XXXX XXXX '' in XXXX 2014. I do n't know any person and do n't think I made this purchase. After XXXX months they started charging me a late fee. I paid it off just to get them to close the account. Apparently it was some sort of deal where you got XXXX months of no interest and I reached that and started getting late fees.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account Name : XXXX XXXX Account Number : XXXX* 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.