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

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XX/XX/XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I started doing my own research online and I seen a couple people saying to reach out to you guys for help. I was a victim many of times of fraud in my life time and I documented it this time on paper. I sent the 3 major credit bureaus some papers stating that these thing on my credit report was fraudulent, but I don't know if they received it or anything. These accounts I have listed are fraudulant and I am just trying to get to the bottom of this situation so I can move on with my old life I have left. I hope these companies don't expect me to pay for someone else 's gain, because I only have money to pay for my bills and medication. I hope this letter finds you well and I also hope that you can help me because this is all fraud and I will attach my fraud report to this also. Thank you for your time and have a good day.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX I started getting charged on my cashapp {$2.00} EVERYDAY by XXXX XXXX. On XX/XX/XXXX I started getting charge XXXX cents & a separate charge for {$1.00} everyday by XXXX. On XX/XX/XXXX I started getting charged {$2.00} AGAIN, but from XXXXXXXX XXXX  These XXXX separate charges continued to be charged until XX/XX/XXXX when I finally decided to delete the cashapp account and make a new one with a whole new debit card because even after blocking the accounts trying to charge me and trying to dispute every charge and get whatever money they had taken from me back it didnt let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider.

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from my credit report
Product: Credit reporting or other personal consumer reports

Inaccurate credit reports are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases. My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue regarding a collection account that is being reported on my credit file. It has come to my attention that the collection agency associated with this account, XXXX XXXX XXXX, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX MA XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Credit Collection Services I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt.

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA.

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly.

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiry listed on my recent credit report. After reviewing the report, I have identified the unauthorized inquiry The unauthorized inquiry hasadversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiry immediately. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is currently trying to collect XXXX in which i am not responsible for. The charges are for unreturned equipment. At this time i was living in XXXX XXXX and was relocating out of state. I informed them of this moved and tried several attempts for them to retrieve their equipment. I then would inform XXXX XXXX that I would drop their equipment off at a nearby location. This location was located in XXXX XXXX  on the corner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the corner. I have contacted the creditor, I have contacted XXXX XXXX  directly. I have asked for a breakdown of charges in which I was denied. I also asked in the case that I decided to pay the death, I was not responsible, for if I can have a promise to delete let her in return, in which I was also denied. At this time I am asking for this debt to be removed off of my credit, because I do not feel as if I am responsible. I have reached out to the creditor, and the company itself with no resolution. I have tried to dispute this with the credit bureaus in which the company has stated this amount is accurate. The equipment comes with a barcode that can identify the customer. It's hard to believe that they were not able to locate this equipment to show it was returned. Again, I do not feel I am responsible for this account as I've done everything in my power, and also returned their equipment. As I stated I would before I left the state of Connecticut.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down for credit, when I contacted Experion and disputed they told me to wait 40 days. I have no credit until then. If I need a home repair or my car breaks I would be stuck. My dispute # XXXX. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I applied for a loan with Tower Loans. I specifically read their qualifications in regard to credit check. 
They specifically said on their website that NO HARD INQUIRY WOULD BE PERFORMED. 
I get ab alert saying that a HARD INQUIRY WAS PULLED BY THEM. I demand that this is removed IMMEDIATELY!!!!!! I wouldn't have agreeded to this. The date XX/XX/year> is when it was done. I have been working on my credit to long time. This is an injustice to the consumer to BLANTLY LIED TOO in such a fashion of dishonesty. Look I am looking forward for this matter to be resolved in a timely fashion. Thanks in advance. 


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

I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,
Product: Checking or savings account

I requested an accounting of my mother 's total assets. I was told that three of her accounts were closed due to lack of verification of my power of attorney. I provided the original power of attorney documents at the Truist branch located on XXXX XXXX XXXX. XXXX, Va XXXX, which were faxed to the head office on XX/XX/23. Accounts were subsequently closed due to lack of the documents I provided. Checks for the balances of the accounts were mailed to my mother 's home address. One check for {$860.00} was sent via XXXX and was delivered to the home in a secure mailshot. The check for {$160000.00} was sent via XXXX and left on the front porch ; no signature required. Fortunately, I was able to pick up the check. The larger check was sent by XXXX XXXX from the office on XXXX XXXX XXXX XXXX XXXX, TN.
Product: Debt collection

I was XXXX from XX/XX/XXXX until XX/XX/XXXX there was an account opened up with XXXX in my name that I did not authorize nor agree to. I have tried to explain several times to the collection agency that this is not my debt but they refuse to remove it from my credit report
Product: Credit card or prepaid card

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to my records, I have paid in full along with on time payments. I would like for you all to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted accounts to all 3 credit bureaus to investigate accounts on my credit report. Each account came back as verified by all 3 bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.
Product: Debt collection

I don't know what this debt is for. I disputed it through XXXX XXXX but didn't receive any details back as to what the debt is for ; just that they say it's valid. Aren't they legally supposed to send me a validation letter explaining the debt since I have disputed it? 

I called on XX/XX/XXXX to find out more and the rep said it was given to them XXXX of XXXX and was passed onto them from another collection agency. That is was for an account opened back in XXXX. She could not tell me exactly what the amount was for, and I don't recall. I don't have a record of receiving any letter from ERC or another company regarding this debt. 

Also, isn't this past the statute of limitations per the Fair Debt Collection Practices Act?
Product: Money transfer, virtual currency, or money service

I have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXXXXXX was designated under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment.We tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Product: Debt collection

THIS IS A COMPANY OUT OF NEW YORK THAT I DO NOT KNOW AND HAVE NOT OWE THEM XXXX XXXX XXXX AND CONTINUES TO CALL MY CELL AS IF I OWE A DEBT TO THEM NEVER HAD ANY DEBT WITH THEM AND NO ONE THEY ARE AFFILIATED WITH JUST A PHISHING COMPANY TRYING TO PEND AN DEBT! THIS IS THE WORST NAMERICA CAN GET WHEN THIS COMPAINT VIOLATES THE FAIR CREDIT REPORTING ACT CONSTITUENTLY NO LETTER, CALL AFTER XXXX ON WEEKENDS AND RING MY CELL PHONE TRYING TO SCAM MONEY FROM AMERICANS THAT DO NOT OWE THEM AND NO ONE ELSE A DEBT. I DO NOT OWE XXXX XXXX XXXX TO ANYONE IN AMERICA! THIS CAVALRY PORTFOLIO IS NOTHING BUT A ROBO CALLING ID THIEF!
Product: Student loan

I recently recertified for my income based repayment plan. In the last two years the company has solely been going by my income, because my husband doesn't have student loans, and using my son as an dependent. In the last two years my payment was $ XXXX/month. My new payment after recertification is XXXX, the letter determination was for XX/XX/19. I called today, XX/XX/19, to ask why my payment amount had gone up, I was directed to the IBR department where I was accused of lying on my other applications and that only this application was accurate. When I asked what caused the change I was given no answers and was told my application couldn't be discussed. I'm not sure how I'm supposed to correct an error when I don't know what was wrong. I'm not a loan officer and I wouldn't know what I answered wrong this time. I was told to go back and look at the application. I did it through their website but a copy isn't there. My income hasn't changed since the first application I haven't worked except holiday positions because I stay home with my son. I hate trying to find answers and they choose to be ambiguous and not be helpful. My family can't afford student loans. My first year on the plan their were XXXX people in my household because we were taking care of my husband 's niece and nephew and received survivor benefits for them the second year my son was born and our household size shrank to XXXX because our niece and nephew no longer live with us and it has been that many in our household since. I have never lied on my application and I don't appreciate the associate accusing me of not being truthful on previous applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax + XXXX + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint