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

I would like to request a security freeze be on my XXXX XXXX XXXXt. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XX/XX/XXXX sometime. It was in XX/XX/XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint in line with my previous complaint on XX/XX/XXXX. The items I am disputing are erroneous and needed to investigate Here are the aforementioned items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX : {$4800.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The addresses listed are not my home address, and the accounts are inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete them at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to the conclusion that the Credit Bureaus are not afraid to break Federal law thus they chose to be lazy and neglected my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the Item removed now! 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. I am a victim of identity theft resulting from a data breach, and these items were fraudulently added without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these fraudulent entries.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Vehicle loan or lease

XXXX of 2023 my car was repossessed from my home by a tow service by West lake portfolio. I was not made aware of the repossession. On numerous times, I had requested a copy of my contract. I was never provided with this information. Upon finding out that my car was repossessed, I contacted Westlake portfolio, and i was advised that i needed to pay a certain amount in order to get my car back. I was told that the amount was around {$3000.00}. My car was listed with the lean holder of XXXX XXXX XXXX. I was not made aware if my car had been sold, or what actions i could take to get it back. I was forced to into another car due to needing a car. My contract and warranty were found to be void by Westlake Portfolio from XXXX XXXX sales. I was sent numerous notices that i still had a balance with Westlake Portfolio as well as a negative affect on all 3 credit bureaus. I was forced into filling bankruptcy. This had MADE A HEAVY IMPACT ON MY LIFE. With Westlake coming to my home and repossessing my car and without a notice or anything. I was current with my payment, spite the fact that Westlake did not have any of my information correct. Nor was I provided a contract from them
Product: Debt collection

XXXX XXXX is reporting this as an open account for collections. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debit that your agency claims I owe. According to my credit report the account # is : XXXX. 

XXXX. XXXX of XXXX : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 

XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 


XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 

XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt. 


XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by state and federal laws. 

Please consider this letter a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

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

Paid in full the account with aura financial, called they said they could not help do to that they made a transaction with the company ... aura  Doesnt exist anymore now its ( XXXX  ) ....
Product: Mortgage

We had solar panels installed in XX/XX/XXXX. To complete this project we took out two loans, one from Mosaic and one from XXXX XXXX To pay off the loans from Mosaic we applied for federal and state energy credits. This amount to be received through the credits was for {$28000.00}. The issue that emerged is tha the portal for Mosaic stated the end of the promotional period for XX/XX/XXXX, which is what our tax preparer saw, and filed accordingly. In actuality, the promotional period ended XX/XX/XXXX. They also made a mistake and sent the part of the return filed in XXXX to XXXX XXXX instead of Mosaic. This was not discovered by my household until XX/XX/XXXX. When this was discovered we immediately reached out to Mosaic for an extension of the promotional period. They flatly refused to extend the promotional period and instead left us with a large monthly payment due to the interest that has accrued. Despite our pleading, and showing them the incorrect date on their portal, they refused to extend a promotional period to help us, and lied to us and said that they could not make an extension, despite the error on their part. We are asking for help in extending the promotional period so we can pay back the principle, as originally agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX USPS attempted to deliver my certified mail for final delivery, in which Transunion Credit Reporting Agency failed to accept. This is my 2nd letter by certified mail requesting verification of accounts on my credit report. I have not received a written response nor is it reporting disputed on the accounts that I've disputed on my TransUnion credit report. Under the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) the credit reporting agency has thirty ( 30 ) calendar days to complete an investigation. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the attached unverified accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act, specifically 15 USC sections 1681i ( d ) and 1681j, requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. As of XX/XX/XXXX there are requested unverified accounts that are still reporting on my credit file which is well over 30 days from my very first certified letter ... Included in the dispute I stated to TransUnion CRA to update/correct my personal information on my credit file, with the correct information that was given and to please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate ... My personal information was not completely updated as requested in attached letter. The letter was enclosed with the proper identification documents to update my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - XXXX... 
XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account and Experian updated my account with the credit company listed below. The account should've been removed by Experian because the account isn't my account.. XXXX  and XXXX  has already removed this account from my report. Please help me to get this account removed from Experian, it's damaging my personal credit. 
XXXX XXXX account number XXXX opened XX/XX/2019 amount owed {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted proof to XXXX and Equifax that the Bankruptcy item was unverified. On XXXX XXXX I received an alert from XXXX stating that they will notify me when my dispute is complete. They fail to remove the accounts that I proved to be unverified. I filed a police report I also filed a identity theft report with the FTC as well as an affidavit. This item remains on my credit hurting my score after I demanded removal with 609 credit letters which ask to send the original documents of these debts or remove the items within 30 days these companies failed to act in removing these items.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THE WRONG INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

ACCORDING TO 16 U S C 1692 C YOU HAVE VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATION PLEASE REMOVE THESE FRAUDULENT COLLECTIONS OFF MY CREDIT REPORT. ALSO PLEASE CORRECT THE INCORRECT 30 DAY LATE PAYMENTS THAT HAS BEEN PLACED ON MY CREDIT REPORT INACCURATELY PLEASE CORRECT AND REMOVE ALL NEGATIVE INFORMATION FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX 's Account was opened XX/XX/2013 And closed with a balance of {$2100.00} and it is listed as a charged off account on Equifax. 
It is a fraudulent account.
Product: Debt collection

I have been sending request for debt validation with no luck. They keep sending the same information that is connected to the original loan. I found out from an attorney that they filed a lawsuit against me to collect a debt and never notified me. They have my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so frustrated with Telecheck every time I write a check to a telecheck merchant regardless of amount telecheck denies it and markes it code 3 I have called telecheck numerous times to get this corrected and they informed me that the account is too new and to continue writing checks to build up history with Telecheck I informed them that this was the last time they was going to embarrass me in public by declining my checks I also stated to them how can I build up history if you are always declining them I do n't see how this company can interfere with me and my check writing!
Product: Credit reporting or other personal consumer reports

I am filing to formally file a complaint against XXXX CARD due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX XXXX XXXX Owed : {$52000.00}
Product: Debt collection

I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, has my last name completely spelled the wrong way ( XXXX instead of XXXX ) and also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DEPT OF ED XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXXXXXX -XXXX  XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I called Transunion to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. Here they are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV filed a lawsuit in the state of Virginia in the city of XXXX for a debt on a closed credit card account with XXXX XXXX XXXX which took place as a video meeting with the judge, due to COVID-19 in XX/XX/2021. I filed a dispute with the company, XXXX XXXX XXXX and the XXXX District Court House submitting interrogatories highlighting the validity of the debt and their legal licensing authority. I submitted a copy of the Fair Debt Collections Practices Acts within section 609 and the company was ordered to stop their collection practices and answer the interrogatories via a court rebuttal filing to me as well as to the XXXX County Court Clerks office. As of XX/XX/2021, LVNV continues to report negative impacts to my credit bureaus XXXX, XXXX and XXXX. Ive submitted disputes to these credit bureaus and have placed a lock on my credit file. Nevertheless, LVNV is still reporting negative balances with increases deterring my good credit rating. 

I am seeking removal of this account from all 3 credit bureaus permanently.