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

XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from XXXX, XXXX, Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my consumer report on XXXX website and found an unauthorized hard inquiry form NORDSTROM/TD BANK USA inquiry date XX/XX/2022. NORDSTROM/TD BANK USA need to answer to this inquiry. Why was my consumer report being looked at after you all closed my account due to none " payment ''? I'm not of the class of people who has to " pay ''. Why is there a new inquiry from your company being listed on my consumer report that I did not authorize? While you all are investigating this matter cease and desist all fraudulent collection activity due to billing errors on the account that was opened with open end consumer credit therefore I, the consumer and beneficiary was never late pursuant TILA, FCRA, and ECOA. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that are fraud, I need these accounts to be removed and deleted XXXX XXXX XXXX XXXX credit card, XXXX credit card, someone has used my information to open these accounts, I do not recognize thee accounts, Im filing this complaint to have these fraudulent accounts deleted from my credit report, my information social security number and drivers license number was compromised, please no fraud alerts to be added, no fraud alert please delete these accounts Im asking for these accounts removed thank you .the only two accounts to be removed for now is XXXX XXXX XXXX XXXX credit card and XXXX  credit card,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to get Equifax to take this off my credit file for XXXX XXXX XXXX XXXX XXXX XXXX that bill was paid in XXXX of XXXX by my insurance company XXXX XXXX and XXXX XXXX XXXX Tennessee and I paid a {$22.00} copay this has gone way past Fair Credit Reporting I need this removed
Product: Payday loan, title loan, or personal loan

Tried contacting company to set up a payment arrangement and receive a settlement offer but the company said they couldnt ' find me in the system but yet they are still reporting on my credit reports.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( The Seller ), Sunlight Financial ( Holder of The Installment Loan ), and XXXX XXXXXXXX XXXX XXXX The Lender ). Loan Number : XXXX Amount $ XXXX With Interest Over 25 Years. I AM A VICTIM OF FRAUD. FRAUD IS OUTSIDE THE SCOPE OF ARBITRATION. I HAVE BEEN SUFFERING THIS HARM SINCE XX/XX/XXXX WHILE MY CONSUMER RIGHTS CONTINUE TO BE VIOLATED. I am filing this second complaint in direct response to Sunlight Financial dispatching XXXX XXXX XXXX doing business as XXXX XXXX XXXX ) XXXX to visit my home and perform a site survey. After speaking with the technician on XX/XX/XXXX I informed him that Sunlight had not notified me of any such order and I don't need a site survey I want the system removed. He shared with me that Sunlight requested the site visit to look over the system and get it up and running. THIS IS NOT AN OPTION. The status update of my original complaint number is XXXX filed XX/XX/XXXX Sunlight is still investigating with no mention that they were dispatching XXXX to do a site survey when XXXX did not do a proper site survey or pull a required permit from the XXXX XXXX XXXXXXXX, TX before attaching the defective solar panel system to my roof. If Sunlight wants to do a site survey to verify the documents that were presented proving the defective incomplete installation and the less-than-acceptable workmanship they are welcome to coordinate that task with me. But, again, I WANT TO MAKE IT CLEAR BEYOND ANY DOUBT THAT I STAND BY THE FACT THAT I AM A VICTIM OF FRAUD! THIS FRAUD COMMITTED BY XXXX XXXX, SUNLIGHT FINANCIAL AND XXXX XXXX XXXX Consequently, I DO NOT WANT TO CONTINUE THIS ONE-SIDED AGREEMENT. This is just another example of the abuse that I have suffered at the hands of XXXX XXXX, Sunlight Financial, and XXXX XXXXXXXX XXXX for a year now. Sunlight Financial is continuing to exercise control over this situation attempting to take away my voice. XXXX XXXX caused this problem and they should be held accountable for the loan, not me. My consumer rights are being violated in public view. I have the right to protection from fraud, deceptive business practices, and a defective product. I have the right to safety and the right to choose whether I want to continue doing business with companies that have committed fraud against me. I DO NOT WISH TO CONTINUE DOING BUSINESS WITH THESE COMPANIES IN ANY CAPACITY. Therefore, I have secured a company to detach and dispose of the panels and replace my roof. I will provide XXXX and Sunlight with an estimate by XX/XX/XXXX. I was given no warning that the system was attached to my roof without securing the junction boxes, exposed wires, and insecure panel connections. I had to discover all of the problems on my own. I made several attempts to XXXX and Sunlight to no avail. THEREFORE, THE REMEDY THAT I EXPECT IS FOR XXXX, SUNLIGHT FINANCIAL, AND XXXX XXXXXXXX XXXX TO CANCEL THE LOAN IN MY NAME, REMOVE THE SOLAR PANELS FROM MY ROOF, RESTORE MY ROOF TO ITS ORIGINAL CONDITION, REMOVE ALL NEGATIVE REPORTS FROM MY CREDIT, RETURN MONEY THAT I HAVE PAID ON THE LOAN AND CONSIDERATION FOR PAIN AND SUFFERING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my most recent credit report ( XX/XX/2022) shows a charge of for a company POSSIBLE FINANCE, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Product: Debt collection

non stop calls about paying a collection agency for who or what I don't know. My credit is above 800 so its obvious they have the wrong person. Have told them to stop, they asked what my name was and I told them. They said that was not the name the debt was in regards to but continue to harass me. I will file a small claims suit against them if they don't stop.
Product: Debt collection

XXXX of XXXX  I asked that I get a breakdown of the amount that was owed from this company for the amount of {$9400.00} no action was taken by the company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding misleading and false reporting on my credit report. To this Day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it had been over 60days so they should be updated promptly. I CLEARLY ASKED IN MY LETTERS THAT THESE ACCOUNTS BE VALIDATED/VERIFIED BY THE ORIGINAL CONTRACT WITH MY SIGNED SIGNATURE ON IT. I HAVE NOT RECEIVED ANY VALIDATION OF A SIGNED CONTRACT. I demand these accounts be DELETED as stated in complaint letter immediately or I will file for litigation due to the stress you caused me. 

I, XXXX XXXX gives CFPB permission/ 3RD PARTY AUTHORIZATION to investigate on my behalf I have attached a copy of my ID and social security card for proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter of XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 5. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report.

6. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX XXXX  Account Number : XXXX Please UPDATE this late payment in my Credit Report.

7. 15 U.S. Code 1681a ( 2 ) ( i ) this account is in violation. Under 15 USC 1666B this is a billing error always paid as agreed on time. 
XXXXXXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

8. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX Account Number : XXXX As a consumer by the law This account must deleted immediately.

9. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXXXXXX XXXX  Account Number : XXXX  Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, XXXX XXXX
Product: Student loan

On XX/XX/19 I received calls at XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX. No messages left at all. 
On XX/XX/19 I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. No messages left
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST SST XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear SST, 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 The name and address of the original creditor and the current creditor. 



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

Full complete and correct social security number to help identify me as the correct person you are trying to collect from Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

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 card

I found an unauthorized charge and opened an online dispute, I was immediatly given credit for the {$72.00} charge, however I was not given credit for the associated {$22.00} cash advance fee. I chatted with an agent online and they said they could not fix it and gave me an email address to send a request to. I sent the request and have not heard anything.
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 XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : DEPT OF ED / XXXX : Account XXXX Account Name : DEPT OF ED / XXXX : Account XXXX Account Name : US DEPARTMENT OF EDU : Account NumberXXXX Account Name : US DEPARTMENT OF EDU : Account NumberXXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account NumberXXXX Account Name : DPT EDXXXX : Account Number : XXXX Account Name : DPT EDXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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, credit repair services, or other personal consumer reports

Trans Union consumer reporting agency has not produced my written consent in order to furnish any of my accounts referencing to COMPLAINT ID XXXX
Product: Debt collection

XXXX : Fraud Case XXXX ; XXXX Case # XXXX ; XXXX Case : XXXX ; XXXX XXXX # XXXX This is an open Fraud Case against XXXX, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and XXXX is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud XXXX, that did not even care to see the documents nor the case number filed with the XXXX XXXX 's Department. 

XXXX were several " XXXX Agents '' that finally submit my complaints to XXXX of XXXX, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised XXXX XXXX XXXX XXXX # XXXX regarding the debt that XXXX is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.
Product: Debt collection

I have no contract with this company and this company is not licensed to collect in Florida and this account have been removed from my report previously and was reinserted without any notification. Which violate FCRA laws
Product: Credit reporting or other personal consumer reports

I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX  referred my Account to XXXX XXXX XXXX and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX, XXXX and XXXX. I tried to resolve this with all XXXX companies to no avail. I was taken to civil court twice by XXXX, XXXX and XXXX representing XXXX  XXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. XXXX was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said XXXX. I spent XXXX  days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it.
Product: Credit reporting

Transunion is reporting my credit inaccurately. They have deleted XXXX of my credit cards from my credit report. The total amount of credit of these XXXX cards is {$3500.00}. This is bringing down my credit score to a XXXX which is considered to be average. XXXX and XXXX have my score above XXXX. They are also falsely reporting my credit utilization ( Transunion is showing 46 %, XXXX is reporting 16 % ) and available credit. I need to have this fixed ASAP. I 've already used their dispute process and have even sent them certified letter asking them to fix this information, but they still have n't. I need the following XXXX credit cards added back to my Transunion credit report : XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$500.00} - XXXX I 've also attached my XXXX credit report as this is correct and should be used as a guide for Transunion. I 've already sent it to Tranunion in my certified letter package. 

Please see attached documents for my case.
Product: Mortgage

My loan is currently serviced by SLS. They recently issued a notice of default claiming that {$1600.00} was needed to cure the default. This amount was paid to bring the account current. SLS claims that the account is still in default and proceeding with foreclosure action. SLS has not provided any records to prove up up the overall validity of the debt. 
As defined under Real Estate Settlement Procedures Act ( RESPA ) Fair Debt Collection Practices Act as well as the Fair Debt Collection Practices Act ( FDCPA ), it is required that current creditors hold the necessary documentation granting the authority of servicing rights and all applicable mortgage assignments from one lien holder to the next. These documents have been request in writing by way of a Qualified Written Request ( QWR ). SLS is in violation RESPA and CFPB law for proceeding with foreclosure action on a current loan. Since SLS is ignoring my requests for clarification on this matter, I am seeking your assistance.