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

VALIDATION AND CEASE AND DESIST Collection agency name : 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 Dear XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited disputes on four companies, XXXX XXXX XXXX, XXXX Card, XXXX, and XXXX XXXX XXXX XXXX. The dates that they were summited is as follow, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. I asked for the original copies of the contract on file with my signed signature. They are required by law to have these documents on file to verify this information. They had stated they verified these accounts. I want to know who verified these accounts? They also failed to provide the method of verification I had requested. If they can not provide these 3 items, I'm asking for both items to be deleted, as well as, {$1000.00} per item. I believe the law has been broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies are not complying with their own policies in a timely manner. 
I submit letter XX/XX/XXXX and havent gotten a response yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. I have XXXX unauthorized inquiries on my report. XXXX from ( WF CRD SVC ) on XX/XX/2021 and XXXX from ( XXXX XXXX  XXXX XXXX on XX/XX/2021. I did not make these inquiries. I am a victim of fraud, and will like to get these inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am receiving emails from Experian that are for another customer. I do not have a current account with Experian, which may be why my email address is some how associated with another customer 's account. This has resulted in the reception of security alerts, and other notifications meant for someone else ( I can provide the name and ID number upon request ) without a method to opt out or correct the issue ( since I do not have an account for the products in question, and no way to log into the platform ). 

The company also does not provide a clear way to speak to a human representative or resolve this type of issue. Emails are not monitored, and I'm instructed to seek help on the website. When I use the website, and call the posted contact number XXXX, the menu options prevent me from speaking to a human to clear up the issues I am facing.
Product: Debt collection

Sued me XXXX XXXX XXXX I responded requesting documents and proof etc heard nothing judge XXXX XXXX date then attorneys set it off then when rescheduled I was never emailed and or notified of updated date and after seeing this judgment paperwork they continued XXXX different times and then set date for XXXX which is obviously XXXX XXXX  timeframe which I travel at the holidays and wouldnt have been here plus it says court had XXXX  call with attorneys which I dont use much but I know Id need some type of code or login for zoom call plus the date and time therefore judge ignorantly grants judgement to them in XXXX and now they have XXXX years later went back to XXXX XXXX and filed to sieze my bank acct and some property and again not one notice, email or call just woke up to every XXXX in my bank stolen leaving me no gas money to get to work, food and auto insurance pymt due tomorrow and now will be illegal without ins also wife XXXX myself and XXXX kids and not a XXXX to my name and once I submit paperwork to court today will take 10 days to get court date whenever it may be XXXX XXXX weeks away my mortgage is due and wifes check would cover that today but acct seized so that money also stolen so no funds coming for XXXX weeks we are going to lose everything now and worst part is back in XXXX when this acct went negative I told XXXX my wallet was stolen and XXXX XXXX XXXX charged fraudulently but all they did was cancel acct when pymt missed while I disputed and now we are here. I had the acct for 5 years in good standings until this happened then covid Im self employed basically unemployed now Im a XXXX  from when I was XXXX over XXXX yrs ago but cant get just any job and good pay but these scenarios only put me further behind and lose more money and property
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I spoke with a representative to request confirmation of credit. The representative stated this document does not exist. The Equal Credit Opportunity Act states, a completed application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including, but not limited to, credit reports, any additional information requested from the applicant, and any approvals or reports by governmental agencies or other persons that are necessary to guarantee, insure, or provide security for the credit or collateral ). The creditor shall exercise reasonable diligence in obtaining such information. 

I believe this document does exist and I would like a record of it.
Product: Credit reporting or other personal consumer reports

In XXXX my personal information was compromised by my tax preparer during her relocation period. I was informed that files including copies of my driver 's license and social security card were misplaced or stolen and that authorities had been alerted. I was also advised to monitor my credit, and I called the Credit Reporting Agencies and advised them of the incident. I recently pulled a copy of my credit report and noticed accounts, addresses, and credit inquiries that I have not authorized or have any affiliation with. Furnishing information to my account without my written consent or permission is in violation of 15 USC 1681B, and further violates my consumer rights by furnishing accounts due to identity theft, specifically 15 USC 1681 C-2. 
I contacted Transunion in XX/XX/XXXX, and XX/XX/XXXX in attempt to resolve this matter and requesting for any verification. I have not received an update. The accounts : XXXX  XXXX and XXXX  that I have no knowledge of are being furnished to my account and severely impacting my ability obtain a home. I am also concerned because Transunion is the only agency still reporting the fraudulent accounts to my profile after constant requests for this company to update and report accurately. 
I also noticed addresses and credit inquiries from XXXX XXXX and XXXX that I have not authorized.
Product: Vehicle loan or lease

I spoke to a representative last month and was offered a payment arrangement which I signed through XXXX and signed in on time. The representatives said they didnt receive it. The following week I spoke to a representative last week and advised her to have a supervisor call me due to being unethical and unprofessional. Then another department called me XX/XX/XXXX named XXXX called me and was being unprofessional, not listening and trying to force me to have the amount multiple times. Im XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for a credit card through XXXX XXXX was opened with stolen information ( social security # )
Product: Debt collection

Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX.
Product: Debt collection

To whom this may concern I'm writing this letter because I'm frustrated. I had a debt with XXXX XXXX which went into collections. XXXX XXXXUnited Holding Group XXXX purchase my record. I contacted credit control on XX/XX/22 made a payment of {$410.00} which was cleared on said day. I was given United holding group XXXX XXXX which I've been trying to reach from that day. The above number no one answers or returned calls because I've left several messages. This company does not want to release my car title after I make the payment. This vehicle was in a wreck and was total. The company wants to send me what the car is worth but without a title they will not release the funds. I feel like I've been ignored. I need assistance with getting my title it's going on 4 weeks now. I need this issue resolved. They took my funds and giving me the run around. I need help in getting this matter resolved. Prompt response is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of 2022 without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter. 

Document password : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ TRANSUNION ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

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

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : RESURGENT LVNV FUNDING Account number : XXXX
Product: Debt collection

I received notification via online that I had a debt collection filled back in XX/XX/XXXX from a previous apartment complex I lived in. The debt was XXXX $ from XXXX XXXX XXXX   filled with the company Innovative Recovery. I called the collection agency on XX/XX/XXXX about the debt and they stated my old complex put that I still owed rent even though I left early for the prior month. I sent over emails between me and the property manager as proof that all I was advised to do was turn in keys and he would take care everything. Innovative Recovery never got back to me and when I recently did an application for rent I was denied because of this debt. I reached out to Innovative Recovery and spoke with XXXX around XXXX XXXX in which she stated XXXX XXXX responded that I returned keys on XX/XX/XXXX and owed rent for those days. I have documentation proving I returned keys XX/XX/XXXX and XXXX XXXX with held my security deposit of XXXX $ and also put on my credit report that I still owed them XXXX $ for 12 days of rent. I paid the XXXX $ only because I have to move and unfortunately I cant rent anywhere with a debt of this sort. XXXX XXXX was not truthful about the debt owed, had a false collection reporting on credit and with held my deposit.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I am not formular with these companies that are listed as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Federal Trade Commission Safeguards Rule, requiring certain financial institutions to establish measures to keep customer information secure. HIPAA Breach Notification Rule, requiring HIPAA-covered entities and associates to provide notification following a breach of unsecured, protected health information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still showing my loan payments as not being paid monthly when I have been making monthly payments since XX/XX/XXXX and before that in XXXX. They have been saying that my payment is late on my credit report, and not being made every month when I have proof that I have been making payments on their website monthly since XX/XX/XXXX. Every attempt I try to contact them is unsuccessful as they put me on hold and never reconnect or never answer the online chat box.
Product: Credit reporting or other personal consumer reports

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the XXXX Credit Report XXXX, I am owed {$1000.00} for each error. FCRA XXXX stipulates that any inaccurate accounts on a consumer 's report must be reported.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : 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: Payday loan, title loan, or personal loan

Wells Fargo has been impossible to deal with. They do not return calls ans failed to resolve the time sensitive issue. Weeks have passed. We are unclear why they associated with poa with a XXXX account that was not requested. The poa was supposed to be associated with the line of credit. Also, I inquired about an overdraft question. I have received no response. XXXX has not reached out to me with a resolution.
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. XXXX, XXXX XXXX, XXXX XXXX XXXX, OFFICE OF THE ATTY GEN 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 an 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. 15 USC 1681a ( d ) ( 2 ) ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, and this also clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! Further more 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. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX have an account listed on my credit report for {$4300.00}. The company is stating they are collecting a debt owed to XXXX XXXX for a lease agreement that I was declined for. Ive disputed this debt with XXXX XXXX and XXXX XXXX XXXX on numerous occasions and they refuse to remove this fraudulent account from my credit report. As a XXXX XXXX this debt has caused me significant financial harm and irreparable damage to my XXXX XXXX Ive attached to this complaint a copy of the e-mail denying my application for a lease but the company still placed this account on my credit report fraudulently as if they offered me a lease. Due to this, Im requesting that this account be immediately removed from my credit report according to the FCRA as well as this company provide me with financial compensation for the harm caused to my career and my credit. Should this account not be immediately removed from my credit reports I will also file a complaint against XXXX XXXX with the Georgia Attorney Generals office and a complaint against XXXX XXXX XXXXXXXX XXXX with the Utah Attorney Generals Office as well as submit a complaint with their associated states bar. In doing my due diligence Ive given both agencies ample time to correct this issue. However they refuse and I have no choice other than to take action against them.