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

I am writing to formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful.

Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX Filed Date XXXX Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months ; I've sent over 12 dispute letters and Tebo financial and XXXX  have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and TEBO continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$0.00} XXXX & XXXX XXXX Balance {$240.00}
Product: Credit card or prepaid card

I previously had an {$8500.00} credit limit with Discover. I was 30 days late on my XXXX card, Discover reduced my limit to {$500.00} because of the late payment on my XXXX card. XXXX did not penalize my account and waived the late fee. Discover dropped my available credit to right about my current balance of {$300.00}. I did not receive a letter stating this as Discover stated they informed me by mail.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 


I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 


I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 


In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 


I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
To ensure that the non-creditor report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Student loan

I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF DISPUTE AND NON-CONSENT XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/year> To : TransUnion XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Unauthorized Information on Consumer Report Dear Sir/Madam, I, XXXX XXXX XXXX XXXX hereby submit this affidavit regarding a matter of urgent concern. It has come to my attention that [ specific account or item ], identified by [ account number or reference number if available ], has been reported on my consumer credit report. I contend that this information was furnished without my consent and is therefore in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( b ). 
1. Statement of Facts : * I did not provide any authorization or consent for the reporting of the aforementioned information on my credit report. 
* The inclusion of this information on my consumer report is a violation of my rights under 15 U.S.C. 1681a ( b ), which stipulates that consumer reports must only include information relevant to the consumer 's creditworthiness, and that such information must be reported with the consent of the consumer. 
2. Request for Action : In accordance with 15 U.S.C. 1681i, I am requesting that the disputed information be investigated and removed from my credit report immediately. Please provide written confirmation that this information has been deleted and that my credit report has been updated accordingly. 
3. Supporting Documentation : Enclosed are copies of my recent credit reports from your respective agencies highlighting the disputed entry, as well as any other documentation that may support my claim. 
4. Contact Information : Please contact me at XXXX or XXXX should you require any additional information or documentation to expedite this matter. 

Thank you for your prompt attention to this serious matter. I trust that you will address this issue in accordance with the provisions of the Fair Credit Reporting Act and ensure that my credit report is accurately and fairly maintained. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had car accident on XX/XX/2019 and my car was hit and I forget to provide my medical insurance card to hospital at register and had time to bring back to hospital and providing it and after that I had many bills send with same information to provide way to pay medical bill related to incident and I answered the caller from Kansas counselors agency and its collection agency and the amount was even different its was {$31.00} and then {$150.00} and after that I had also another collection bills for {$1100.00} and its had my son name and he never been to hospital he was only with during accident but he had no injury and so XXXX XXXX XXXX charged my son for nothing too.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems are is illegally reporting derogatory information regarding a collection in the amount of {$850.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with Jefferson Capital System nor have I provided any form of identification that would permit them to legally report such information. Despite many requests, Jefferson Capital System has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In lieu of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against Jefferson Capital System. I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. Jefferson Capital System failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Product: Mortgage

I am attempting to refinance my home with a new mortgage lender under the HARP program, and have requested a payoff quote from my current mortgage lender, Seterus. I requested this information on XX/XX/XXXX through their online request form, and again XXXX on XX/XX/XXXX and XXXX. To date (Sunday, XX/XX/XXXX) I have not yet received my payoff quote from Seterus, despite Federal regulations that I was to receive it within 7 business days. This is jeopardizing my ability to close my mortgage refi with the new lender by XXXX.
Product: Debt collection

Calling repeatedly every day. EVERY DAY and 2-6 times in a row!! Will not leave a voicemail with call back number or any info. I called and asked them to stop calling, and they knew my name without me telling them. I have blocked numbers, but they keep using new ones to get through. They always start with XXXX. If it is a legitimate business for debt collection, they could at least leave a message. The company is Radius Global Services.
Product: Debt collection

Signed up for care credit through sycrony bank at my dental office and never was told or mailed anything about how or when they start charging intrest fees and they have many open lawsuits about this exact issue with millions of people who now cant ever pay this debt off due to occurring interest rates that were never explained
Product: Debt collection

I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to Forster and Garbus LLP for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX claiming that I have a {$7500.00} charge-off. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 was just watching XXXX XXXX XXXX and was concerned that Experian was advertising a product that people could access to monitor the " dark web '', with a fee. and that people affected by their data hack would assume that they could use this service to help mediate their risk. I do n't think they should be advertising credit protection services when they themselves could not keep their data secire.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

The last statement I received from the company was XX/XX/XXXX and it indicated that the loan balance was {$610.00} with a payment due of {$310.00}. I made my XXXX payment on the XXXX. Which would have made my remaining balance due for XXXX {$300.00}. I paid my next payment on XX/XX/XXXX. I never received a statement for the month of XXXX. I called on XX/XX/XXXX to ask when title paperwork would be mailed and was told I owed more money. I asked at the time for a statement to be mailed because I never received one. I was informed one would be sent. I called back on XX/XX/XXXX because I still hadn't received a statement and was told again that I owed more money and that a statement would be mailed. At that time I spoke with a supervisor named XXXX who told me he would look into it and call me back. I called back on XX/XX/XXXX, still no statements, no call back and was told they were still looking into it. I call back on the XXXX, was placed on hold while the customer service person said she talked to XXXX and their was no new information but that I should get a statement for XXXX. I call back on XX/XX/XXXX after still not getting a call back or statement or title and speak to manager named XXXX. She tells me that they are still reviewing my account. That brings me to today XX/XX/XXXX. I received a call from someone named XXXX who said she was a assistant manager and that my statements were turned off on my account and she was going to email me an account history and she didn't know why I didn't receive any statements the last few months or why my account was reported to the credit bureaus as paid in full. I made my last payment XX/XX/XXXX. I want my title paperwork. I reaffirmed on my loan and continued making payments. Now my car should be paid off and they won't give me my title paperwork or prove that I owe more money.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these accoun in 4 business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These informations is incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. SSN : XXXX. DOB : XX/XX/XXXX This FCBA complaint is being filed to request pursuant to FCRA that you, the XXXX reporting agency block information appearing on my consumer report that is the result of identity fraud and identity theft within 4 to 5 business days of receiving this complaint. The following accounts and collections are the result of that identity theft and I have no recollection of said accounts. XXXX XXXX opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$2600.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$170.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$900.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$430.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$440.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$400.00}. The following accounts have resulted in several fraudulent, hard inquiries and fraudulent collections on my credit profile. None of these accounts were made or initiated by me. I will be attaching several FTC complaints that I have also filed as proof that these accounts were opened fraudulently and were the result of identity theft. The reference numbers for said complaints are as follows. XXXX and XXXX. I will also be attaching identification verification
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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 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

Hello, my name is XXXX XXXX. I had a debt claim that I have arranged a payment plan for and have been paying on for months. I got a letter in the mail from a totally different debt collecter asking for the same amount. Account number XXXX. 

I want this other one taken off of my account and whatever else it is on as I have been paying on it. I also do not want my information given to anyone else. Keep your records straight and quit trying to scam people out of even more money that your Company does not even deserve. 

The one I have made the arrangement with initially is National Recovery Agency. Since XXXX continues to sell my information, illegally, I want the other one dropped off. I have already given you more than deserved at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Notice of Civil Liability and Revocation of Authorization and Inquires Dear, XXXX, XXXX and Equifax I have tried to resolve this issue multiple times in reference to Inquiries being furnished on my consumer report but see my Federal Consumer Rights are being continued to be infringed upon. 

I am writing to formally address a matter regarding civil liability under 813 of the Fair Debt Collection Practices Act ( FDCPA ) and to notify you of my decision to revoke any authorizations previously given, under the Fair Credit Reporting Act ( FCRA ) and applicable federal protections.

Under 813 ( a ) of the FDCPA, any debt collector who fails to comply with any provision of the FDCPA is liable to the affected person for : Any actual damages sustained as a result of non-compliance ; and Additional damages as the court may allow, up to a maximum of {$1000.00} for individual actions.

In addition, per 15 USC 6802 of the FCRA, as a federally protected consumer, I am hereby opting out of any and all authorization I may have granted, whether in written, verbal, unwritten, or non-verbal form. 

Please consider this letter as formal notification of my decision to revoke all authorizations regarding my personal information. 

Sincerely, XXXX XXXX
Product: Debt collection

A company called LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted LVNV again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.