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

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$250.00} These accounts were removed and I have proof ... and I was not notified that they would be put back in my files ... notification is required by FCRA law ... 

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Debt collection

I was admitted to XXXX XXXX in XX/XX/2017. Documentation as to whether or not I received intravenous contrast dye was poor. Middle record records indicate I received the contrast dye after the procedure was completed. The radiology company administering the test identified an error in their medical record system that they have not corrected. Thus they can not prove objectively that contrast was administered except to look at the radiology films which they have not provided me in a readable format. Despite the radiology company having my correct address and telephone number, I never received any bills at my residence for this service. They then sent the bill to the respondent for debt collection. Despite having the correct address and telephone number for my residence from the radiology company and having access to my credit report, the debt collector made no verifiable attempt to give me a call by telephone or send me a letter. They claim that they sent me a letter via regular mail but they can not prove its being sent or being received. Despite having my correct address and telephone number and access to my credit file, The debt collector continue to call an unrelated individual with the same last name. After not receiving a satisfactory response or payment, they placed the adverse account to my credit report. This caused me to lose a high security job offer worth {$180000.00} in salary annually. 

If the bill is in the road, I would like to pay it. However I expect to be compensated for my damages as a result of the deck collector not providing me with the opportunity to dispute the debt in a timely fashion or providing me with any notice that a debt actually was owed.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block 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 Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax in Violation of reporting negligently and inaccurately information on my credit report Misleading False Reporting all account is negligently and inaccurately reporting failing to comply to 15 USC 1681I demand you delete these accounts from my credit report, I have listed below : 1. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 2. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY
Product: Debt collection

I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. Exeter Finance has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with Exeter Finance with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX
Product: Mortgage

My homeowner 's insurance is due XX/XX/year>. On XX/XX/year> I was advised by my homeowner 's insurance company that no payment has been made. I contacted mortgage company and was advised that they mailed the payment on XX/XX/year> and it can take up to 10 business days for insurance company to receive. Now I am late. And when I call mortgage company I am continually disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my XXXX, Experian, and XXXX report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Debt collection

Received notification of debt collection added back to my report after being removed XX/XX/year>. Requested information validating the debt the ownership and accuracy of debt. Company did not send over requested information. Sent a bill. Sent a second letter requesting same validations and have not received a response since XX/XX/XXXX, the date I sent additional letter requesting information.
Product: Credit reporting or other personal consumer reports

I am writing to you once again to follow up regarding the unresolved issue of late closed and charge-off accounts on my credit report. Despite my repeated attempts to rectify this matter, these negative entries persist, impacting my creditworthiness and financial standing. Despite my persistent efforts, these negative entries continue to tarnish my credit report, hindering my ability to access credit and financial opportunities. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these derogatory accounts undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the late closed and charge-off accounts on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove the acconts : XXXX. XXXX XXXX XXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX. XXXX XXXX Balance : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX. XXXX XXXX XXXX Balance : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their persistent refusal to investigate inaccurate items on my credit report, despite my repeated requests and extensive efforts to rectify the situation. 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report during these correspondences. Despite providing my Government ID, proof of address, and a copy of my social security card to verify my identity, TransUnion has repeatedly refused to conduct the investigation, disregarding my legitimate concerns and rights as a consumer. 
These inaccuracies and incorrect personal details have significantly impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion 's refusal to investigate the disputed items has caused me considerable distress and financial implications. 
Despite the several attempts I have made to contact Transunion, I received a response back from TransUnion dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
I am seeking intervention from the Consumer Financial Protection Bureau to compel TransUnion to fulfill its obligation to delete the inaccuracies on my credit report by the FCRA guidelines. 


It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both XXXX and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely XXXX Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.
Product: Vehicle loan or lease

After the new year, Santander Consumer USA outsourced its billing department to XXXX. I went to pay by my checking account to not incur fees and they claimed my account, which I have been paying on this car for over a year, is not valid. The only options offered by Santander AND XXXX  are in XXXX. After lengthy phone conservation with both, neither had an option without paying service fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 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

Over the past ( 10 ) plus years each time I filed a complaint with CFPB against the three major credit bureaus each had taken some retaliatory actions that immediately impacted and lowered the consumer credit score. More specifically I filed multiple complaints indicating the credit bureaus were purposely removing the credit limits on minorities credit card accounts intentionally lowering the consumer credit score. 

I recently filed a complaint against TransUnion for this discrimintory practice which they removed my credit limit from my XXXX trade line account impacting my debt to credit ratio and lowered my score. According to Trans Union XXXX was not reporting the credit limit which simply not true because it was showing on the other credit reports. 

To date TransUnion has refused to report my XXXX credit limit and continued to blame this on XXXX. Please find attached a letter from XXXX dated XXXX/XXXX/201, confirming their are indeed reporting my credit limit to Trans Union. Therefore, please investigate and find out why the credit limit was removed and provide consumers protection from this abusive discrimintory practice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for falling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the inaccurate accounts : XXXX XXXX, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, 2017. I had received several phone calls from the CashStore in XXXX XXXX, Texas. I 've been dealing with the company for several months. I informed the company that I am on XXXX, and I receive my check on the 3rd of every month. My bank account has constantly been overdrawn. As a result, I gave up my car in repossession. I 'm under doctors care! Only now did I notice that the first 2 payments were scheduled on the 3rd, as per our agreement. The next 2 were scheduled on the 2nd and the final payment is set for the 1st and 31st ( This means not only will I be overdrawn, but I 'll have 2 payments in 1  month. ) Overdraft fees are {$35.00}. This takes away money for food and my co-payment for my medication. The VA does not accept XXXX or XXXX or XXXX XXXX XXXX insurance. My only sister is in XXXX XXXX XXXX and just recently admitted to the hospital due to her XXXX XXXX XXXX. I have no way to go see her. At this time, the VA van will only carry the XXXX XXXX, this is the reason I got the car. Being is financial trouble, I went to the cash store. Once she allowed me to make a minimal payment. The president has vowed to cut social security XXXX payments. I only receive {$15.00} a month. {$35.00} overdraft fees hurt tremendously. Most of the repayment is interest, over {$400.00} for {$350.00} loan. I simply ca n't afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # 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: Credit reporting or other personal consumer reports

I had traded my car XXXX  XXXX which was financed with XXXX XXXX XXXX  for a new XXXX, the XXXX dealer failed to payoff the car in a a timley mannor and by the time they did reflected a late payment.
Product: Credit reporting or other personal consumer reports

My account withthose creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

We paid off the remaining balance on our auto loan in XXXX of XXXX. The balance due after we made the final payment showed as {$0.00} on the account, therefore we believed we were done paying it off entirely. However, after paying off the loan entirely there was an Account Payoff charge of {$35.00} that was added to our account that we were not aware of. As a result, we incurred a XXXX XXXX XXXX of {$5.00}. When we became aware of the late fee in XXXX of XXXX, we contacted our bank lender about this issue on our account and they explained that the amount due had been because of a Transfer of XXXX fee. They were understanding about us being unaware of a final charge and had therefore waived the XXXX XXXX XXXX fee. We thought the situation was resolved. However, we noticed this still shows up as a 'late payment ' on our credit report which has resulted in a significant drop in our XXXX XXXX. We are requesting a courtesy deletion to have this late payment removed from our credit report due to the circumstances and our reason for paying late.
Product: Debt collection

I had old water bill accounts from city XXXX ca water department.bac in 2010 I work out I payment plan with bill from the billing department.i paid all old accounts off .and I got a letter from grant mercantile collection agency.telling me I still owed those bills I paid to city XXXX.i told them I have paid these accounts off.and im infect in good standings with them .I also ask they confirm this info with bill give them his info.since then all I keep getting is old bill information I also dispute.it with credt companys.the information they recvied from grant mercantile is wrong and aginst the fair cedit act
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XX/XX/year>