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

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Sincerely
Product: Prepaid card

My employer gave me a {$110.00} Virtual Visa prepaid gift card, issued by https : //www.prepaiddigitalsolutions.com and on XX/XX/XXXX, I registered my card with them online. I used {$100.00} in transactions. The card expired XX/XX/XXXX. On XX/XX/XXXX prepaid solutions XXXX out the virtual card balance with a {$10.00} reversal. When I chatted with online customer service, they informed me that, per the cardholder agreement, the balance was lost. After learning from the CFPB website that I could request the card be re-issued, the second rep I chatted with informed me this wasn't possible because the {$12.00} reissue fee would be greater than the {$10.00} balance.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 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 computergenerated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kay jewelers account threw comenity bank reported that my payment was 30 days late for XXXX and XXXX of XXXX  and my payments where made on time I have contacted the company and they have confirmed that payment was made on time. But have not done anything to correct this mistake on there behalf
Product: Mortgage

On approx XX/XX/2023, my husband and I were notified by our mortgage provider, XXXX XXXX, that our loan had been sold to Mr Cooper. The letter informed us that XXXX XXXX would no longer accept payments from us and we should no longer send them any funds. On XX/XX/2023, we received an email from Mr Cooper informing us that our first payment is due XX/XX/2023 and while it did include a loan # and the amount due, it did not include an address to send payments. On XX/XX/2023, I attempted to contact Mr Cooper via phone. Their phone prompts did not recognize either social security # associated with the account, either phone # associated with the account, or the loan #. I then called Mr Cooper and was told by an associate that they have no record of our loan. After learning that, I contacted XXXX XXXX who told me that they no longer own our loan, they sold it to Mr Cooper, and they can not help me. We are now in a position where we know a payment is due in 7 days, but one bank is saying they don't own the loan and the company they claimed they sold it to claims they have no record of it. I am filing this complaint to protect myself from what I can only assume is an attempt to steal my home, assess late fees/penalties, and other damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX  XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated failure to correct the record from my credit report. I have provided extensive documentation and evidence supporting the correction of the late open accounts and the removal of the public record, yet they continue to XXXX my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms. It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. 

Transunion is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reporting was fraud. Said company had 4 days according to the LAW to remove such items. I am not asking for a E-oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. 

see attachments. 

It is memorial day weekend but i do expect this matter to be handled promptly after the holiday. 

thank you!
Product: Credit reporting or other personal consumer reports

In according to the fcra Section 605B it is is illegal to report information on my credit report without my permission thank you please remove these inquiries from my credit report now.

Credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a text from Tate & Kaitlin Associates that stated they are a XXXX XXXX XXXX XXXX for XXXX, they furnished a link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the number and the guy I spoke to told me that it was collection for XXXX of which is an internet provider that I have never used. The person said it was for XX/XX/XXXX. I could not understand him so I really do not know what ALL he said. I then found information on the company that this could be a SCAM. 


The Account number that was attached to this is XXXX XXXX XXXX 

Just Note, I get Free Internet at my Home as the Communication Tower is located on my Property.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to obtain my free annual credit report from Equifax. The company responded that it was not able to deliver my report online. The exact same thing happened the last several times I attempted to retrieve my Equifax credit report. In XX/XX/XXXX I provided the company with the requested identity documents by mail and did subsequently receive the report. The online questionnaire was completed correctly in all instances, and the company has never provided me with any explanation as to why it refused my online request. I have attempted to contact the company by phone but could only reach automated responses. I have not had any problems with online access from the other two reporting companies, only Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( AVANT LLC/WEB BANK & XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions.

15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is wrongly reporting my XXXX XXXX XXXX  card balance. I do not carry a balance on this card.
Product: Consumer Loan

I made a payment to my Care Credit account before the payment was due and before I received a statement. To date I still have not received a statement. The service was rendered XXXX/XXXX/XXXX. I set up an online payment account and made a payment of {$200.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I logged into the Care Credit website to make an additional {$200.00} payment. I discovered the system showed a payment of {$25.00} due on XXXX. Care Credit had assessed a late fee of {$25.00}. I called customer service to ask how I could be assessed a late fee when I had made a payment of {$200.00} XXXX. I was told the {$200.00} was not within their payment cycle so it was not recognized. When I asked the customer service representative to explain why my XXXX/XXXX/XXXX payment was not recognized she became frustrated and hung up on me. I called back and spoke with a different representative and explained I just made an additional payment of {$200.00} ( {$400.00} since XXXX/XXXX/XXXX ) even though the minimum payment due was {$25.00}. I was told regardless of that payment, I would still be required to make an additional payment before XXXX XXXX or I would be assessed an additional late fee. This practice is onerous and predatory. I do not understand how making a payment before it is due and for an amount greater than the required minimum could possibly be considered late and subject to a late fee. It would seem to me that any payment made within a cycle would be recognized. I can afford to pay this account in advance but many can only make the minimum payments when due. I ca n't help but wonder how many consumers are being charged these fees despite their responsible attempt to make payments as required. This is awful.
Product: Debt collection

XXXX XXXX XXXX XXXX / XX/XX/XXXX I received a notification regarding that my credit score was used for this company. I didnt apply or sign up for anything. Im taking that my  personal information was used without my authorization. It has a high impact on my credit & I need help disputing it please. 

XXXX XXXX XXXX/ XX/XX/XXXX I see several reports with this collector on my credit. Ive tried disputing this several times & they denied & refused to remove. I didnt give any authorization of my signature neither did I sign any contracts.
Product: Credit reporting, credit repair services, 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  Account XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account XXXX Account name : XXXX  XXXX  Account XXXX has violated my rights. Or 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 card or prepaid card

Transunion freeze my credit report for security purposes. I call them and they can't unfreeze my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to case XXXX equifax states that they have to look into this but by fcra law when they are in receipt of the request of identity theft they are supposed to block and delete within 4 days. This is not an error on my end, there is no material misrepresentation and so on. Do equifax want to be held liable by not following law. Equifax policy does not override whats federal law. They must do what is fair and equitable for the consumer and the banking system is depending on them to be accurate and efficient. Block and delete immediately.
Product: Debt collection

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

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

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

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors.I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/year> I sent a certified dispute letter to LVNV Funding requesting validation of two alleged collection accounts. The letter was delivered on XX/XX/year> with a tracking # XXXX ; As of today I have not received any response from LVNV Funding. LVNV Funding continues to report negative, inaccurate information that they have not proven to be legally mine nor have they responded to the dispute letter.
Product: Debt collection

I have a letter from my insurance company from XX/XX/2018 which states that I am medically XXXX  which prohibits me to use the gym facilities. I called on XX/XX/18 to cancel my membership and the rude managers, XXXX and XXXX said that other people use our facilities that have XXXX , so we could freeze your account if youd like. They wanted a note from a doctor that states my personal medical condition and I am not comfortable giving them that sensitive information. My insurance company works in conjunction with all of my physicians so why isnt the letter from my insurance who got the information from my physicians enough to cancel my membership?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had an account with this company, I have never heard of this company until they appeared on my credit statement and then began to send mail to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a XXXX at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP
Product: Debt collection

The letter is stating we owed {$290.00} + XXXX total {$330.00} We don't know anything about this bill. 
customer account XXXX our file number XXXX XXXX XXXX XXXX Synter Resource Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX