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

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i was at XXXX. They never told me that it would hurt my XXXX XXXX and yet it still did. I want to remove that enquiry from my credit check. It happened on XXXX 
There is another enquiry which I don't think I made it. It's for capital one. Plz help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, Bankruptcy 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, BEST BUY/CBNA, is reporting late as reported in my credit report. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Trans Union and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Trans Union and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Trans Union, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Trans Union, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services, with the respect to the accounts listed.
Product: Vehicle loan or lease

To whom it may concern, This letter is to put capital one auto on notice of federal law violations : In a consumer credit transaction with capital one for a credit extension I found a few issues in the practices of capital one. The capital one XXXX XXXX stated A down payment was required for the vehicle in the amount of {$4000.00}. However, the federal law states clearly the following : 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( XXXX ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( XXXX ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1662 & num=0 & edition=prelim Furthermore XXXX I found an issue with the excessive charges in addition to the {$24000.00} finance charge of the credit transaction. The law clearly states : 12 CFR 1026.4 - Finance charge. 
The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 

( b ) Examples of finance charges. The finance charge includes the following types of charges, except for charges specifically excluded by paragraphs ( c ) through ( XXXX ) of this section : ( XXXX ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. 

https : //www.consumerfinance.gov/rules-policy/regulations/1026/4/ In addition to the finance charge Capital one has tacked on interest which is illegal by law. 

Capital One does not supersede federal law. Capital One knowingly produced a fraudulent loan that is completely in violation of the Truth in lending act. In addition, this loan has caused me to take a hit to my consumer report. This is a blatant violation of the truth in lending act and my consumer rights. In order to protect my consumer rights I have forwarded this complaint to XXXX XXXX the state Attorney general and my State attorney general XXXX XXXX for further investigation. I have also forwarded to the OCC. 

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

DEPT OF EDXXXX ACCT XXXX XXXX DEPT OF EDXXXX ACCT # XXXX DEPT OF EDXXXX ACCT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As outlined in 15 U.S.C . 1681, I believe the following provisions have been violated : Section 602 ( a ) : I have the right to privacy and confidentiality regarding my credit information, which has not been respected.

Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing an account without my written consent or instructions. This provision has not been followed in my case.

Section 1681c ( a ) ( 5 ) : No consumer report should contain any adverse information that predates the report by more than seven years, which I believe applies to some of the information listed.

Section 1681s-2 ( a ) ( 1 ) : A person shall not furnish inaccurate information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The information regarding XXXX  Account # XXXX is false and should be removed.
Product: Debt collection

Notice : This is not a duplicate filling please read!! 

I am submitting a unique complaint against Self Inc. for the negative reporting of a charge-off on my credit report and their failure to provide Form 1099-C and proof of canceled debt. Self Inc. reported a charge-off of {$800.00} on my credit report, adversely affecting my credit score. Despite disputing the charge-off and providing evidence supporting the successful resolution of the dispute, Self Inc. has failed to update the information on my credit report accordingly. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681s-2 ( a ) ( 1 ) and 1681i ( a ), which mandate accurate and up-to-date reporting by creditors. 

Moreover, I requested Form 1099-C and proof of canceled debt from Self Inc. over a year ago, but they have not complied. The failure to provide this documentation violates IRS regulations ( 26 U.S. Code 6050P ) and raises concerns about their transparency and compliance with consumer rights.

In addition, pursuant to my rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I hereby exercise my right to opt-out entirely from any sharing of my personal information with Self Inc. , including reporting information on my credit report. I request that Self Inc. immediately cease all reporting of information on my credit report.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take immediate action to ensure Self Inc. complies with FCRA regulations, ceases all reporting of information on my credit report, and provides the necessary documentation, including Form 1099-C and proof of canceled debt. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and ensure a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX {$1300.00} Transunion XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

XXXX - XXXX XXXX XXXX {$870.00} Transunion - XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on XXXX it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, Transunion says the account was charged off XX/XX/XXXX after being late for 90 days.
Product: Debt collection

I had been disputing this claim by the collection agency name PlusFour for over 3years with no success.
Product: Debt collection

On XX/XX/21 XXXX XXXX XXXX account was opened and have a balance of XXXX  On XX/XX/21 RADIUS GLOBAL SOLUTIONS account was opened with a collection amount of XXXX which i do not recall applying for. Im struggling to pay these off because XXXX XXXX XXXX
Product: Debt collection

Sunrise a debt collector calls and texts every day I told them to not contact me on my cell phone and they continue to do so.
Product: Debt collection

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 Account # XXXX source receivables mng, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Debt collection

The following accounts fail to VALIDATE. After several attempts throughout the year with disputes, there is no documentation nor there is a VALIDATION. The accounts are as followed : XXXX-Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX  ) Fail to respond to validation letter. 
XXXX XXXX XXXX. - ( XXXX XXXX ) Fail to respond to validation letter. 
XXXX XXXX XXXX- ( XXXX XXXX XXXX ) Fail to respond to validation letter Also bureau fail to remove unknown credit inquiry XXXX XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX and Onemain Financial all show as chargeoff which means they have all been turned into certificates of indebtness and can no longer be reported on my credit profile. Reporting is also a violation of the Privacy Act of 1974. It is also illegal to report my transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I implore you to take swift action to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX