23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filled already two times a complaint with XXXX, the first time the email was lost and the 2nd time it stated the problem was solved. Beginning of this year I went to XXXX XXXX and looked for furniture, because I was in the progress of buying a house. We looked at furniture a couch and a Dining set. The sales person wrote down some prices however not a detailed listing. The sales person told us we could do Payments or even apply for a in store credit card for the Furniture. I filled out the application for the Credit card and was approved. However we just looked at furniture at the time and see how much it would cost us and how long it would take the get the merchandise. The sales manager told us NO MERCHANDISE will be ordered until we mad a original payment of {$25.00}. WHICH WE DID NOT MAKE. After we left the Manager took it up on himself to charge the Credit card for the Furniture. We never got the Merchandise and I found out when I received my Bank Statement from Synchrony Bank he charged and maxed out the CARD. WHEN WE CALLED THE MANAGER TOLD US HE ORDERED THE MERCHANDISE ALL HE NEEDED WAS A SSN AND HE HAD THAT. EVEN BREAKING HIS OWN POLICY NO MERCHANDISE BE ORDERED UNTIL THEY GOT A PAYMENT OF {$25.00} WHICH THEY NEVER GOT. We went to the store again, and were finally able to speak to the store manager which was not the Person we were dealing with, this time it was a women and the first time it was a male. He claimed he was the Manger to turn out he wasn't, Well the Manager said she will work with us and get us the merchandise however all the sudden the merchandise was over 1 k more than what they charged my card with. So we ask if they price matched and we got told they did. We found 3 different sellers with the same merchandise over half cheaper what they wanted from us. All the sudden they did not price matched no more. Then we ask to refund the money on the credit card since we NEVER got any Merchandise and the Manager tried to see if we would like something else for the Amount which was charged. Well we did not like anything so she finally agreed to credit the money back to the Credit card. This has not happen to this day. I get charged late fees for a credit card I never used. And I have no Couch or table to show for. We addressed this twice to XXXX  and they claim the problem has been solved. IT has not. Now we were informed to contact you, and I hope you are able to help us with this matter. 
Besides this matter went on my credit report, however I refuse to pay for something I did not charge. I hope you are able to help us to solve this matter, since we been dealing with this since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX  business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, XXXX  account numbers : 1. XXXX XXXX - XXXX 2. XXXX card XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

It is showing on my credit report that it is a charge off, that means that they wrote it off as a loss yet I never was given a 1099c to report it as income. That being said, I would like to know why it is still on my credit report, credit reports have to be accurate. I will be seeking statutory damages going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda account discharged closed still showing up on credit report, credit card XXXX XXXX paid in full still showing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX is marketing for Keller  Mortgage in a non compliant and deceptive manner. I have attached and ad found on Facebook. This is from a XXXX XXXX agent and is marketing Keller Mortgage without stating who is co-marketing ( Agent is paying 100 % of the marketing to generate the leads for mortgage ). Savings are being offered but not disclosed where those come from and who is providing them. The ad fails to mention there are ZERO savings if you don't use a XXXX XXXX XXXX and still use Keller Mortgage. The ad fails to disclose there are ZERO savings if the mortgage is under {$150000.00} ( Disparate Impact ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : 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

I requested a report from lexis nexis. I received a letter with a code to access the report. The code did not work. I contacted and spoke to a rep who told me he tested the code and link and that it worked, however it would not work for me in three different browsers and he never asked what link I was following or what code I was using so I don't believe he was being truthful. I went back online to re-request the report and after providing much information the site gave a message stating it could not process the request and to try back later. I attempted to file a complaint directly on their site and received the same message. I believe I have wasted enough time trying to get information that is about ME from a company who is reporting information incorrectly and causing my insurance quotes to triple!! I hope someone here can prompt them to do the absolute minimum which is their XXXX job!!!
Product: Debt collection

I recently received correspondence regarding an alleged debt associated with XXXX XXXX XXXX, referenced under your File Number : XXXX. After reviewing the information provided, I do not recognize this account and formally request validation of this alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed bylaw, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I DEMANDED ACCOUNTS BE VERIFIED OR REMOVED.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX  - Account # : XXXX Company Name : XXXX XXXX  - Account # : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i went into XXXX  XXXX  XXXX XXXXXXXX ,ny around XXXX XXXX .i went to with draw frow us bank relia card with bank numbers starting with XXXX ending with XXXX custumer id # XXXX. I asked for XXXX they deucted the money off my bank card i never got it. XXXX XXXX. Told me they were going to put the money back on my card of XXXX and XXXX. From XXXX XXXX. I ask that to be refunded to my us bank relia card of bank card number XXXX XXXX XXXX XXXX XXXX was the bank teller at XXXX XXXX. Transaction number cid # XXXX. i need alll this to be refunded to me
Product: Credit reporting or other personal consumer reports

There are errors on my credit report concerning 15 USC 16c-2. I did not authorize the listed inquiries, and this inaccurate information negatively impacts my credit. Kindly remove all unauthorized hard inquiries.
Product: Debt collection

Ive attached my previous complaint along with supporting proof that this does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing regarding the alleged debts associated with Account Number XXXX ( XXXX XXXX ) and ( XXXXXXXX XXXX ). Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding these debts, effective immediately. 

Legal Basis for Cease and Desist Request : As per federal law, once a written request to cease communication is received, a debt collector may only contact the consumer for the following reasons : To confirm that all collection efforts have been terminated. 
To notify the consumer of any legal remedies that may be pursued. 
To notify the consumer that the debt collector intends to pursue a specific legal remedy. 
Beyond these three exceptions, any further contact regarding these accounts will be considered a violation of the FDCPA and will be met with legal action. 

Notice of Non-Acknowledgment : I do not acknowledge or agree to the validity of these alleged debts, nor am I obligated to engage in further discussions regarding them. Any attempts to continue contacting me, including phone calls, emails, letters, or other forms of communication, will be treated as harassment and a direct violation of my consumer rights under federal law. 

Consequences of Non-Compliance : Failure to comply with this request will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal action for statutory damages under the FDCPA. 

Please provide written confirmation that all communication attempts have ceased. This letter serves as formal notice, and I expect full compliance immediately.
Product: Credit reporting or other personal consumer reports

Re : Discrepancies in Bankruptcy Reporting on Credit Reports Equifax Reference Number : XXXX XXXX Reference Number : XXXX Dear CFPB, I am writing to formally request assistance regarding discrepancies in the reporting of bankruptcy on my credit reports, which is affecting my credit profile. The alleged bankruptcy was filed on XX/XX/XXXX, in the XXXXXXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX - XXXX Division but this is reported differently by Equifax and XXXX. 

Discrepancies : Equifax Report : Reports the bankruptcy as being filed in the XXXXXXXX XXXX  XXXX - XXXX. 

XXXX Report : Lists the bankruptcy under XXXX XXXX XXXX TEXAS. 

Relevant Details : Bankruptcy Case Number : XXXX Bankruptcy Type : Chapter 7 Discharge Date : XX/XX/XXXX Request for Validation : Despite my requests for documentation and validation from both Equifax and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any documentation to substantiate the accuracy of this bankruptcy reporting. Additionally, XXXX updated their files and my credit report and is NOT reporting this same bankruptcy as they couldn't provide validation for this bankruptcy. This discrepancy between the two credit bureaus raises concerns about the accuracy and completeness of the information being reported.

Legal Basis : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute and request validation of information reported on their credit reports. The FCRA requires that credit reporting agencies investigate disputes and provide accurate information. Inaccuracies or inconsistencies in reporting violate the FCRAs requirement for accurate credit reporting.

Accuracy Requirement : According to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that the information they report is accurate and complete. The discrepancy in the reported bankruptcy filing locations suggests a potential violation of this requirement.

Right to Documentation : 15 U.S.C. 1681g grants consumers the right to obtain and review their credit reports and any documentation related to disputed items. My request for documentation from both Equifax and TransUnion has been unfulfilled, which hinders my ability to verify the accuracy of the bankruptcy information.

Action Requested : I respectfully request that the CFPB intervene to ensure that Equifax and TransUnion : a. Provide accurate and consistent documentation regarding the bankruptcy case being reported from 2 separate locations. report.

b. Correct any inaccuracies or inconsistencies in the reporting of this bankruptcy immediately.

c. Update or rectify any erroneous information to reflect the correct court and case details immediately. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this discrepancy and ensuring the accuracy of my credit report. 

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

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX - XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IL. XXXX XXXX To : Transunion I am sending this letter to advise that there is information on my credit report that is wrong and that needs to be address and under the 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES ( from here on referred to as FCRA ). 

The first thing that needs to be addressed is the personal information listed on my reports. I have never lived at any of the addresses, and they MUST be removed as they are a part of the fraud accounts and under the FCRA they are to be removed and blocked from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I like to address the account t6hat are FRAUD on my credit report as I have never opened the accounts nor have, I allowed anyone to open the accounts in my name. I have not gained any benefits from the accounts being open. Under section 1681c2. Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. The following accounts are to be removed and blocked from my credit report indefinitely due to Identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the deletion and blocking of all fraudulent accounts and inquiries listed below from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach and identity theft, these accounts were opened or used without my authorization. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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