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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Checking or savings account

I opened a Citi XXXX Savings online account over 2 months ago in response to an ad that promised a {$100.00} bonus for maintaining a min. balance for 60 days. It's been over 60 days and I'm still waiting for the bonus to be paid
Product: Debt collection

This correspondence is in reference to complaint # XXXX. Security Collection Agency has defaulted by not rebutting my affidavit with an affidavit however I am giving them an opportunity to cure by granting my demands from my initial complaint which is to XXXX the balance on this account, immediately delete it from all consumer reports and pay the invoice for violating my consumer rights under 15 USC 1692. ( previous complaint attached )
Product: Credit reporting or other personal consumer reports

There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXXXXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen in the Equifax breach, leaving my social security number and other PII available for hackers to sell and use maliciously. I want compensation for the risk that this has brought me.
Product: Credit card

Again XXXX XXXX from American express has sent me another letter blatantly explaining how they denied my credit application due to the reasons specified in the previous correspondence they sent out. In that correspondence it states that i was denied because of a XXXX score. of course this corporation tried to cover it up by not allowing me to access the credit denial letter on their site, but good thing i already have them saved on my computer. Once again the corporation is being non compliant and using sneaky tactics to cover up what is right and wrong. he stated in the letter that they abide by all applicable laws and so forth but nowhere in the law can an adverse action take place to a consumer extending his/her credit to these corporations. which they still use the denied application to sell on the secondary market. ( that's another story within itself ) People are studying and waking up to these deceptive practices and cruel corporations! where does the money come from they cant answer that. they rely on the credit of the Americans and consumers. so again an adverse action has taken place here as stated in 12 CFR 1002.2 no where in the CFR does it mention anything about a credit score to use ones XXXX given credit. i am the creditor in this situation not the corporation. Next issue will be a lawsuit and a big one because i have more than enough citizens who are going through this same thing.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX Account # : XXXX. Account # : XXXX Balance : XXXX Balance : XXXX XXXX XXXX Account # : XXXX Account # : XXXX Balance : XXXX Balance : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Balance : XXXX Account # : XXXXXXXX XXXX Balance : XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Balance : XXXX Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX Account # : XXXX XXXX : XXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} 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

I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Hunter Warfield is attempting to collect a debt in which I am not obligated to pay using incomplete and falsified documentation. I have been in contact with Hunter Warfield by phone for several months off and on as I am an XXXX XXXX service member and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when all of this started. The initial circumstances leading up to XXXX XXXX attempting to incorrectly charge late fees and and change rent were while I was XXXX on XXXX XXXX XXXX and caused by a change in XXXX Ownership and management. During the change, XXXX changed website and cancelled my prearranged method of paying my bills. Due to circumstances relating to my XXXX XXXX service and XXXX status, it was incredibly difficult to login and pay rent owed. Additionally, XXXX began leaving notices on my door indicating impending eviction and harassing letters on my door even at my request not to do so because they were public and embarrassing. As a result of this situation, I arranged to have my belongings moved and gave 30 days notice. XXXX refused to remove erroneous fees from my account, so I calculated and paid what I owed them. Following my leaving, XXXX hired Hunter Warfield to collect the alleged debt. Hunter Warfield contacted me by phone some time following my XXXX in XX/XX/XXXX and alleged I was obligated to pay an unsubstantiated amount and insinuated if I did not pay the amount it wouldnegatively affect me in some way. I offered to pay what I owed in move out fees, but HunterWarfield refused payment. I also requested Hunter Warfield to provide documentation verifying debt  owed. Hunter Warfield responded nearly an entire year later in XX/XX/XXXX, while I was on my third XXXX during this dispute, with an electronically signed lease with handwritten figures and no signature pages. Upon my return to the US in XX/XX/XXXX and receipt of Hunter Warfield letter, I  then secured legal representation and had my lawyer write a letter to Hunter Warfield in an effort to resolve this matter. Hunter Warfield did not respond to attempted correspondence and reported false information to the credit reporting mechanisms. This situation has affect me financially and is now starting have some affect on my job and standing in the military.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -- {$5200.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$7500.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$2100.00} XX/XX/XXXX Account Name : XXXX  # XXXX -- {$1800.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$1300.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$1900.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$2000.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$4700.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$6900.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$2700.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$6700.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$5700.00} XX/XX/XXXX Account Name : XXXX # XXXX -- {$7400.00} XX/XX/XXXX Account Name : XXXX XXXX # XXXX - OPENED ON XX/XX/XXXX Account Name : XXXX # XXXX - OPENED ON XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, Experian has ignored and dismissed my letters of disputes regarding numerous credit inquiries on my report. In XX/XX/XXXX, I contacted Experian regarding 3 inquiries by XXXX, for the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Experian refused to remove those three inquiries and kept my file unlocked. Recently I had 3 more inquiries posted to my report that dont belong to me. The first is by XXXX XXXX, posted on XX/XX/XXXX, followed by Experian Business Credit on XX/XX/XXXX, and lastly XXXX on XX/XX/XXXX. In total this makes five unauthorized inquiries on my credit report where someone is attempting to obtain lines of credit using my information. Experian has been reckless and continues to post this fraudulent information on my file. They have refused to lock my file upon my request if these five inquiries arent removed, I will proceed with legal action against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 
According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Transunion You are still violating the law by validating the account below without sending the necessary proof that its my account and that you have a right to collect on this account. 
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Reported balance : {$2000.00} Opened : XX/XX/XXXX XXXX   Reported balance : {$7400.00} Opened : XXXX XXXX, XXXX XXXX XXXX Reported balance : {$11000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$110.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$660.00} Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$9100.00} Opened : XX/XX/XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person. Please follow the law ( FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new correction on the above account within 30 days. 
I await your response,
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ). 
Account XXXX : XXXX. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting

This is the 2nd consumer protection request! I received an alert from Experian that I had a new account reported from University XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible. I have disputed this account two times with Experian and they have not handled my request. They received a response back from University XXXX XXXX stating that I need to contact them yet I already have. Please resolve ASAP.