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

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 my 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 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 XXXX  days before the payment due date. 


XXXX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear, GREAT LAKES BORROWER I agree to pay the following financial obligation regarding my account in which I might lawfully owe, on one condition : Within XXXX ( XXXX ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both GREAT LAKES AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 


Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

The address associated with my report i am not familiar with and should not be associated with my acct and inquiries were denied and they still are affecting my acct but most of all there are hard inquiries that denied me and i still see them reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below accounts 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 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.

the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me.

Validate this false charge off it does not belong to me.

Verify This invalidated account.

inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXXXXXX XXXX 5. XXXX  XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account XXXX XXXX credit 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. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

Jefferson capital system 
Account open date: XXXX XXXX
Original creditor name: XXXX XXXX
Open balance amount: XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 


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

checking on my credit profile I've noticed a lot of unauthorized invalid information on my transunion credit report. I am interested in disputing all incorrect information to help fix my file.
Product: Vehicle loan or lease

I applied for an extension of credit to purchase a vehicle at XXXX XXXX XXXX in XXXX, TN was denied by Ally Bank. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to get a vehicle to assist my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card and my Licensed which is also a credit card. They received the benefits from my credit card while I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants, pursuant 12 CFR 1002.2 ( n ).
Product: Credit card

I returned the product on XXXX XXXX, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XXXX XXXX to Bank of America to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from Bank of America ( BOA ). After I returned the product back and contacted with BOA, BOA said that they already sent the money to them and closed the case. Further, because my case is expired, BOA ca n't reopen my case again ; thus, I did n't get the money back until now. 
I contacted with the seller 's bank " XXXX '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. 
I hope it is not too late to get my money back before XXXX transfer the fund to the seller. Could you help me to solve the problem? 
Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX  are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Alerts/Unauthorized access to credit report/changes
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following accounts : 1. A credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Let me know if any further adjustments are needed.
Product: Credit reporting or other personal consumer reports

Lexington law took money for a service but never did anything
Product: Debt collection

I am not liable for this debt with XXXX XXXX, I do not have a contract with Diversified Adjustment Services , they did not provide me with the original contract as I requested. 

Company Diversified Adjustment Services Opened XX/XX/2023 XXXX {$230.00}
Product: Credit reporting

I am attempting to pre-qualify for a home purchase. I was informed that my finance company for my vehicle ( Westlake Financial, XXXX XXXX, CA ), did not submit credit information for my vehicle purchase to the XXXX credit bureaus. Westlake Financial told me my credit report with XXXX showed a discrepancy. I was instructed to secure a Numi-lite letter from the Social Security Administration, but they no longer do these. I was then told by Westlake to have the XXXX credit bureaus send me letters showing a correction. I secured it and sent the information to Westlake, however, when I tried to follow up I was given XXXX different versions of the amount of time it would take to correct it. It 's been 32 days since I forwarded the corrected information to Westlake and its been over 2 months since this whole process began. Westlake still has not completed a review and forwarded my car purchase information to the credits bureaus. They indicate it could be another 2 to 4 weeks ( total review time of 6 to 8 weeks ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX  XXXX XXXX for attempting to collect a debt
Product: Credit reporting or other personal consumer reports

applied for XXXX card and i checked my credit report a had too many inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted. 

COLLECTION {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account # XXXX and 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

Continuous calls from an XXXX number, one number is XXXX, stating they are Bank of America trying to collect a debt. I will block one number and they will use another number to contact. My phone number is an XXXX area code. I know that Bank of America is not out of Vermont. I do not owe anything to Bank of America. Never had anything to do with Bank of America.