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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA

as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


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

I want to know why Equifax dropped my credit score XXXX points on XX/XX/2023 for paying off two accounts ( IN FULL AND EARLY!!!!!! ) This makes no sense. I work at my credit and monitor it and I am being PENALIZED for paying stuff off ... IN FULL AND EARLY??? What is the use in even trying if you get dinged liked that? I want it corrected and I really want the way credit reports are being handled to change. Its near impossible to stay good with their nonsense way of doing things... fix it oir I will be filing a lawsuit
Product: Credit reporting or other personal consumer reports

XXXX, XXXX Equifax My score dropped from XXXX points from XXXX to XXXX in the last 20 days. 

I have less than {$3000.00} collections. 
100 percent on time payments. 
No Bankruptcy. 
No loans. 
No Mortgage which was paid on time when I did have mortgage. 

Again this is discrimination, I have supported docs of my current situation. 
As a now XXXX first responder close to 30 years. 

I now still remain XXXX. 
Now need knee XXXX. 
Still have pending XXXX claim since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Debt collection

Credit Collection Services is trying to collect a debt on behalf of XXXX XXXX that is not a valid charge of {$420.00}. This {$420.00} charge took XXXX XXXX 3 months to finally reduce their premium charges due to Snapshot devices finally being credited back to my account, XXXX XXXX car finally being taken off of my insurance policy, too late and never crediting increase in car insurance premiums for my daughters supposed driving of a car in XXXX, when our daughter XXXX has lived in XXXX, AZ to attend XXXX XXXX XXXX for the last XXXX years! 

I have gone back and forth in emails to XXXX XXXX since XXXX, XXXX  about their deceptive bate and switch Car Insurance Premium changes. To the point where XXXX XXXX would send me Premium increases by email, with no way to answer these increases by email. Instead saying due to the nature of these increases that I had to call and talk to a XXXX Agent. Guess what, due to the nature of XXXX XXXX raising my rates you need to call and talk to me! If email is the selected from of communication for increasing insurance premiums, then email will be the accepted form to answer back about erroneous assumptions made by XXXX XXXX underwriters, etc. My car insurance policy was cancelled on XX/XX/year>XXXX  and sent to collections, Credit Collection Services in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a letter to all three credit reporting agencies for inaccuracies on my personal information. Ive sent two follow up letters XX/XX/XXXX and XX/XX/XXXX, and still nothing has been removed.
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. 


Company : name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card

I got a call from XXXX Police, a person impersonating as a XXXX XXXXXXXX extorted money from me. He told me my immigration was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I made Discover know about this situation and the unauthorized charges but they refused to refund me. 

I have also filed a police complaint with incident # XXXX and below are the transactions. 

Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXXXXXX XXXX # XXXX {$1000.00} PROCESSING Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXX  XXXX {$450.00} PROCESSING
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many mistakes appear in my report without my understanding. I have written multiple letters beginning XX/XX/2019 about these 8 items on my credit report that transunion claim to have verified all the information on my accounts but there is incorrect information throughout the accounts that transunion will not correct. I am asking that these accounts be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX You are In Direct Violation of the fair credit reporting ACT-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment a car loan account and open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws the fair credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

After reviewing my recent credit report, I have noticed discrepancies that require immediate action. Specifically, concerning this account : XXXX XXXX XXXX XXXX 

The respective company has acknowledged this errors and has committed to rectifying them by updating the status to open/never late. Other credit bureaus have already made the necessary corrections after the companies recognized the inaccuracies in the account.

I am requesting a comprehensive investigation into this account and prompt communication of the findings via mail. As per the information available online, such disputes should ideally be resolved within 30 days. Therefore, I anticipate receiving your response within this timeframe.
Product: Checking or savings account

Constantly allowing money to be pulled when I have no money or waiting to pull money after my account is empty.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. 

On the XX/XX/XXXX Statement, the billing cycle closed on XX/XX/XXXX with payment due on XXXX.On the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate. 

On the XX/XX/XXXX Statement, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This Late Fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate and needs to be removed from my credit report immediately. 

Additionally, TransUnion is reporting that the Payment Status of the Account is 60 Days late. XXXX is reporting the account as 30 Days Late. Neither of these are accurate. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Enclosed Is FTC Identity Theft Affidavit Report Number : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. 

Hard Inquiry Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED THIS INFORMATION REMOVED FAST AS POSSIBLE WANTING TO BUY HOME ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Subject formal complaint Regarding Late Payment Reporting, of account number : XXXX for my credit mortgage of the company XXXX Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 609 of the FCRA Equifax must provide me with the original consumer contract with my signature on it to proof that account XXXX XXXX # XXXX is actually mine if they can not provide me with the requested document mention above they must delete this account. Also attach to this dispute I am providing you with copy of ID and SS Card to prove my identity.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt collection notice regarding a bank I do not have an account with XXXX XXXX  ), I believe this is a fraudulent mailing- dated XXXX XXXX from ERC XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019 I called the reliacard services phone number XXXX   to ask them why I had not recieves a XXXX  XXXX  check in 2 months they informed me that I had recieved XXXX  XXXX payments they read them to me they equaled around {$1000.00} I told.them them that I did not want to use their card company anymore because someone took money off my account before about a year ago. Of that {$1000.00} I only got {$23.00} because someone else took all that money so that means that means that someone somehow got a duplicate card I dont know how that is XXXX  but they did it so onXX/XX/XXXX I changed the pin number I thought that they would take care of the situation then on XX/XX/2019 I called to see what was on my card and to see what payments were made because I hadn't used my card since XXXX. When I called XXXX  XXXX  they said that these payments had been made to the card XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} I had not used my card in all that time so I should have had almost {$500.00} on the card so I ordered a new card and had it Express delivery for {$15.00} when I got my card I only had {$63.00} on it so where did my money go? They have no answer for me.they are supposed to be a secure company so why do I keep getting my money stolen? That is nearly {$1700.00} and I haven't seen a penny of it. Where is my money?

I hope you can help
Product: Debt collection

Dear Mercedes Benz Financial Services ; I DO NOT OWED THIS ALLEGED {$460.00}. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company.

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct.

Moreover, under the doctrine of estoppel by silence ( XX/XX/XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission for XXXX XXXX or Transunion to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals
Product: Debt collection

Upon carefully reviewing my latest credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.
Product: Debt collection

Rent Recovery Solutions is unlawfully attempting to collect a debt that I do not legally owe. If Rent Recovery Solutions has the right to collect this debt in accordance with the law of the FDCPA I am asking for validation of this account and a contract that provides proof that I legally agreed to at the time of contractual agreement, as well as agreement to pay for said debt obtained. This request includes ALL contractual documents stating and proving that I am legally responsible for this debt and that I agreed to and legally authorized the alleged debt that Rent Recovery Solutions is attempting to collect. I never received a letter of validation regarding this alleged debt. It is a fact that Rent Recovery Solutions has no legal right to attempt to collect this alleged debt from me. Rent Recovery Solutions is in violation of the FCRA and the FDCPA. 

Account Number reference : XXXX Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX