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

Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and Transunion with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Product: Debt collection

XXXX, XXXX, and XXXX are reporting that LVNV FUNDING LLC is attempting to collect an alleged debt of XXXX $ .LVNV FUNDING LLC does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately. I contacted the credit bureaus and it is still on my account.
Product: Credit reporting or other personal consumer reports

I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported ite

m ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. I want to make it clear that you have no right to act in dereliction, as you hold m
e under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice. 

Listed below are the Collections that are being challenged XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020 Filed an dispute with XXXX  and Equifax disputing Collection account by XXXX XXXX XXXX one in the amount of {$1100.00} and the second account in {$790.00} I Have NEVER HAD AN CONTRACT OR ACCOUNT WITH THIS COMPANY EVER THIS INFORMATION IS FALSE AND NOT MINE! UNDER FAIR CREDIT REPORTING ACT THIS IS A VIOLATION BY BOTH XXXX AND EQUIFAX! XXXX  HAS SINCE REMOVED THE ACCOUNT IN THE AMOUNT OF {$790.00} AND NOT THE OTHER AND EQUIFAX HAS FAILED TO REMOVE ANY OF THEM
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an account on my credit report that is currently involved in pending litigation. Given the legal status of this matter, it is both premature and inaccurate for this account to be reflected on my credit report at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not true and charge off account that is not correct and an account that is not mine, a letter is enclosed that explains everything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an account on my credit report that is fraud, I am now suing XXXX for a data breach that cause my information to be exposed and I have accounts on my credit reports that are showing up please delete this account as I have hired an attorney for legal assistance for the fraud and the data breach my information has ended up on the dark web and these companies has used it as fraud now Im disputing this information XXXX XXXX, I have filed a ftc identity theft report about this company, I want this off my credit report, identity theft report is the same thing as a police report and I have turn that company over to the attorney generals office in ga
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to formally dispute an error in the reporting of my XXXX  XXXX account ( # XXXX ) on my credit report. Specifically, your records indicate a 30-day late payment for XX/XX/year>, which is inaccurate. I have reviewed my payment history, and my records confirm that all payments for this account were made on time, including the payment in question. 
Reason for Dispute : The reported late payment is inconsistent with my financial records, which show that I made my payment for XX/XX/year>XXXX  well within the due date. This error is damaging to my creditworthiness and must be corrected immediately. 
Supporting Documentation : To aid your investigation, I have included : A highlighted copy of my credit report identifying the disputed entry. 
A copy of my government-issued ID for identity verification. 
A copy of my Social Security number card to ensure accurate identification. 
Legal Framework and Request for Action : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputes and ensure all information reported is accurate.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a detailed description of the procedures used during your investigation.

15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : A consumer report must not contain information that is inaccurate or unverifiable. 
I hereby request the following : Correction of the inaccurate late payment. Update the account to reflect the correct status of " Paid As Agreed Never Late. '' A detailed explanation of your investigation process, including how the reported late payment was verified. 
Documented evidence supporting the claim of a late payment, including the date, amount, and any related communication. 
In the absence of verifiable proof of a late payment, I demand that you promptly update this account to reflect its accurate payment history. Failure to address this issue within the 30-day timeframe mandated by the FCRA will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ). 
Summary of My Expectation : Account Status : Paid As Agreed Never Late Updated Payment History : Accurate reflection of my on-time payment history Investigation Report : Explanation of procedures followed and evidence reviewed Thank you for your immediate attention to this matter. I look forward to your response and resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXXBalance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX BankruptcyXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$0.00}
Product: Debt collection

RMCB is attempting to collect on a supposed past due charge for XXXX. Neither I nor any member of my family has ever purchased XXXX, especially on credit. This is completely fraudulent.
Product: Debt collection

I have been receiving calls from a company called XXXX XXXX XXXX XXXX requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the XXXX XXXX XXXX XXXX {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus and they confirmed it was verified as accurate by you. I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/year>. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this, and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Product: Mortgage

I started the process XXXX  months before and it took them that long to get me my loan. I had to provide information XXXX or XXXX times. They ran my credit XXXX  times. I did not receive any documentation during this process. Did not receive any disclosures or anything in writing about my loan. I had to provide paystubs, income tax returns and insurance information XXXX times because they lost it. I feel like they took forever to do anything and if I didn't call to find out the status they would have never called me. I feel like they violated my rights as a consumer. I did not receive any information before I went to closing about interest rates, items that they were paying off and the fees that were to be applied to this loan. I believe that they violated laws. I started this process in XXXX and did not close on my loan until XX/XX/2022. I did not receive any agreements or disclosures before I went to closing. This was a very stressful process.
Product: Credit reporting or other personal consumer reports

Experian led me to believe that I have a higher credit score but when my credit is pulled it's saying it's at a XXXX. I wouldn't have applied to potential properties for landlord verification if it was low. Experian shows I'm at a XXXX and other agencies such as XXXX reflects XXXX. Experian is advertising two different scores on their website and when my credit is pulled by a business it's XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a line of credit account opened at XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account XXXX ( XXXX ) ; an inquire from XXXX XXXX on XX/XX/XXXX XXXX an inquire from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; an inquire from XXXX XXXX XXXX  on XXXX ; an inquire from XXXX XXXX XXXX on XX/XX/XXXX and an inquire from XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations. 

Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them. 

They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority. 
This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties. 

Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer. 

Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions. 

HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end. 

Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything. 
Now coming after my property without proper verification. 

HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ). 

At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account information is incorrect reporting that I was late on the following accounts : XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( Transunion and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( Transunion and XXXX ) ; XXXX 's : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX  ) ; XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( Transunion, and XXXX ) ;
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.