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

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8100.00}, XXXX  XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ).

I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease.

STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE.

CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation. The Bill of Sale is only PART of the ENTIRE PURCHASE AGREEMENT and I am clearly requesting the ENTIRE PURCHASE AGREEMENT. Requesting this is my right because if this escalates to court, the burden of PROOF is on you to prove to me that I owe this ALLEGED obligation. 

I do NOT believe that you own the debt you are attempting to collect, so you need to PROVE that you do and that requires presenting me with the ENTIRE PURCHASE AGREEMENT. 

If you cant do that in a timely manner, you must notify the consumer reporting agencies where this information is being reported to be DELETED from reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ignorant applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, Experian and XXXX by XXXX, XXXX and XXXX XXXX. ( ref to complaint XXXX, missing primary documentation submitted through CFPB XXXX XX/XX/2022 )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I looked at a property to rent to own in XXXX XXXX Missouri through a company called XXXX XXXX XXXX XXXX also XXXX XXXX. Their owner is XXXX XXXX. I entered into an agreement to purchase the home on XX/XX/XXXX with the deposit being a XXXX to XXXX money transfer since their office was a six hour drive. On the XX/XX/XXXX when I arrived in XXXX XXXX to take possession of my home the door was locked which all of XXXX XXXX XXXX are unlocked. I called them to ask how to get into the property and was told to " break into my home '' or " find a window open. '' I finally found a window that was open. When I opened the window the fumes of natural gas nearly made me sick so I called the Emergency number for XXXX XXXX XXXX who sent a technician out along with the fire department and police department. When the police officer got there she said I tried to buy this house you have been the latest victim huh! This house should be condemned but won't be because we don't have code enforcement. The fire department shut off the natural gas due to a pipe being stripped inside the house. XXXX XXXX XXXX said no utilities could be reconnected because someone had stripped the utilities out of the house. When I called back to XXXX XXXX XXXX they said well it is your house now fix the problems. They are not saying the house can't be fixed and you purchased the house as is. When I agreed to purchase the house the utilities were on or had recently been on so this problem is recent. They are refusing to refund my money or switch me to another one of the properties that they have for sale. I drove back to XXXX XXXX which is two hours from XXXX XXXX with two dogs and a cat to borrow from my mother for a hotel. I put in a complaint to the XXXX Store that the money transfer from, the bank card which is a XXXX XXXX XXXX XXXX, and the Attorney General of Missouri along with the Federal Trade commission. All of which said they have no recourse. The amount of purchase was for XXXX with a XXXX transfer fee. XXXX XXXX picked it up in a XXXX store outside of XXXX XXXX. XXXX XXXX the bank involved with XXXX said in the future XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX would not be able to wire money or transfer funds using XXXX stores but because the transaction had been initially approved by me that they had no recourse to get me my money back. I did approve the transaction until I knew that the house had been damaged by the squatters that had taken up residence in the house that I had looked at. The house while in poor condition at the time I looked at it was at least able to have utilities turned on. The value of the house at the time I looked at it was XXXX and the repairs are well over that
Product: Debt collection

I have no idea what these two collection items are for. I pay my bills and I have never even been late. I tried calling and no one will tell me anything.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US, XXXX XXXX XXXX a servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 was recently notified by Equifax that my info was included in the hack of their database. So I signed up for credit monitoring service through them and I tried to file a dispute online about some accounts. When I submit info however the verification questions that come up have nothing to do with me so I have to answer each one does not apply and cant get my identity confirmed to dispute items on my credit report. I brought this to there attention and was told id have to do it over the phone. But when I call them to do it that way they ca n't do it either and tell me I have to file online. Its XXXX XXXX and this company is so incompetent they should never be in charge if peoples credit info
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting my account as late but I was never late. I contacted the company and was told they would correct the problem but it is still showing late on all credit Bureaus. XXXX had my account for automatic payments and I had an email from them saying they were going to deduct my first payment on XX/XX/2023 but they reported XX/XX/2023 as late.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a collection of {$650.00} from XXXX XXXXXXXX at XXXX. This is a XXXX bill and it has been paid in full. I have disputed with all XXXX bureaus a couple of times and supplied the proof of payment. It has not been removed from my credit report. When I call XXXX I am transferred to a very rude man ( I forgot his name ) that provides no information and doesn't seem knowledgeable. The original creditor has told me a few times that it should be removed.
Product: Credit reporting or other personal consumer reports

Formal Request for Debt Validation Account Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the debt reported under XXXX on my credit report. The account, which is listed as a charge-off in collections, reflects an unpaid balance reported as a loss by the original creditor. After reviewing my credit history, I do not recognize or acknowledge this debt as valid, and I am requesting full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Please be advised that this letter is not an acknowledgment of liability for this debt, but a request for documentation to verify the accuracy and legitimacy of the account reported. 

Disputed Account Details : Creditor Name : XXXX Account Number ( Last XXXX Digits ) : XXXX Reported Balance : {$0.00} Current Balance : {$0.00} Status : Collection / Charge-Off Loan Type : Installment sales contract Loan Term : 6 months Opened : XX/XX/XXXX Reported : XX/XX/XXXX Remarks : Purchased by another lender | Unpaid balance reported as a loss by the credit grantor Requested Documentation : In accordance with the FDCPA and FCRA, I request that you provide the following documentation in order to validate the debt and verify its accuracy : 1. Proof of Debt Ownership : Provide documentary evidence that this debt belongs to me, including any agreements, original documents, or statements that substantiate this claim.

2. Original Agreement : A copy of the original contract or agreement that created this debt, including the terms and conditions of the loan. 
XXXX. Payment History and Charges : A full payment history, including itemized charges, payments, and any additional fees or penalties applied to the account.

4. Authorization to Collect : Verification of your legal authority to collect this debt, including documentation confirming the assignment or sale of the account to your company or any other entity that may hold this debt. 

If you are unable to provide the requested documentation to validate this debt within 30 days of receiving this letter, I request that you immediately : Remove this account from my credit report.

Cease all collection efforts, including reporting to any credit bureaus.

Please be aware that your failure to provide the necessary validation or to remove the unverified account may lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX Attorney Generals Office, and the Federal Trade Commission ( FTC ). I will also consider seeking legal recourse for any violations of the FDCPA and FCRA in connection with this matter. 

Kindly direct all correspondence regarding this matter to the address listed above. I expect your response and validation documents within 30 days, as required by law. 

Thank you for your prompt attention to this serious matter. 

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

I've been trying to remove inaccurate information off my credit report
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- Account Number : XXXX and XXXX XXXX XXXX - Account Number : XXXXhas 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 instruction 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.
Product: Credit reporting or other personal consumer reports

This serves as a follow-up to my previous complaint dated XX/XX/XXXX. I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from XXXX, XXXX, and TransUnion. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage was sold within the XXXX year and immediately our payments increased by {$300.00} without warning or explanation. Since then we have been trying to get our interest rate lowered. Then my wife became very ill, was out on XXXX a few times, had XXXX surgeries, and is now on total XXXX. During her time of illness, we were unable to make our payments. For two years we have been trying to get a loan modification, or at least a reasonable interest rate. Every time we have complied with the requested information, they say it 's out-of-date and it seems we have to start all over. The company is Ocwen. We were told that we would NOT be foreclosed on and if we would just keep sending in the paperwork, something would be worked out - that they WANTED to work with us. Now we received a summons of forecloser. We ca n't seem to get anywhere with this business ; calls coming from XXXX which makes it even harder with the communication. We have complied and have KEPT complying with their requests and something new always comes up. We are frustrated, scared, and frankly angry that this is allowed. We ca n't even speak to anyone American so as to understand what they are even saying. We have gotten nowhere fast and feel that this type of conducting business should not be allowed! e neeD SOME HELP!!! PLEASE!
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR INACCURATE INFORMATION REPORTING FOR XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

Keep calling. Threatening to sue. Garnish wages. Call place of employment. Family and friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  showed up on my credit report, I have never heard of them. The report claims I have a balance of {$330.00} with a credit limit of {$300.00}. I never applied for this credit and I certainly never charged {$330.00}. I would be aware. Transfusion claims to have investigated and feel it is accurate and I contacted the company but after they took my information I never heard from them again. This is not mine and it is adversely affecting my credit. I need it removed. I dont even know the account number because I never opened the account.
Product: Credit reporting or other personal consumer reports

When checking my credit report to buy a home, I saw XXXX XXXX XXXX listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the XXXX XXXX representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all. 
This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned XXXX XXXX is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
XXXX XXXX XXXX is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of my information is incorrect on my TransUnion report. I was incarcerated during many of the dates or times in which many accounts, phone numbers, and addresses were added.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number XXXX