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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Never late on any payments. 
XXXX XXXX Never late on any payments. 
XXXX XXXX XXXX XXXX Delete of account for inaccurate and outdated information. 

Please provide a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable.

Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay. 
XXXX. XXXX XXXX XXXX Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA.

Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness.

Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report.

Written confirmation that the debt has been removed from all records and credit reporting.

Cessation of all communication regarding this alleged debt.

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA.

Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above.

Thank you for your attention to this matter. 

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

I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( published XX/XX/year> ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( FERPA ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 
As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. FERPA explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information.

Specifically, I request the following : 1. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent.

2. Disclosure : Full disclosure of any parties involved in accessing or altering my student loan records, including any third-party entities such as Doge or affiliated organizations.

3. Rectification : Immediate correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data.

4. Compliance Assurance : Assurance that all future handling of my student loan data will comply with FERPA regulations and other applicable privacy laws. 
I expect a prompt response to this dispute within 30 days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and pursuing legal remedies as necessary.
Product: Debt collection

Your dispute results are currently not available online Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX XXXX us : ( XXXX ) XXXX
Product: Credit card or prepaid card

This is in regards to BOTH a  Total Visa  account and a   XXXX   XXXX   XXXX   account.  XXXX   XXXX  ACCOUNTS!     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I have XXXX collection or bad debts on my credit, XXXX funding and XXXX from portfolio associates. They are from XXXX and too old to be reporting per XXXX statutes for credit reporting. Besides that, XXXX XXXX sold or got rid of XXXX of the accounts per their own website yet they are still reporting it on my credit. If this CFPB complaint is not successful I will seek other avenues to get these items off my report. 
Besides that I filed bankruptcy in XXXX. It is XXXX XXXX XXXX. It was removed from all of my husbands credit reports almost 2 years ago but remains on mine. We filed together. Why am I the only XXXX it is still reflecting on? I understand it can remain for XXXX years but it has been completely removed from his report, yet still reflects on mine 8 years later. That does not seem like equal or fair credit reporting to me. I want my credit report to accurately reflect information and it does not. I have disputed more than once with the credit bureaus and nothing happens.
Product: Credit reporting or other personal consumer reports

These items need to delete on my credit report. I am a victim of Identity theft and I did not make the charge. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I asked that these items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission. Please delete these items immediately since it's affecting my credit scores.
Product: Credit card or prepaid card

I've contacted Chase multiple times with zero resolution. They have tried to allege that they charged me interest for " not paying my balance in full '' when 99 % + of my balance was a 0 % interest balance transfer. I hardly ever made any purchases using this card and when I did, I paid them in full. Chase still charged me interest. Furthermore, on XXXX XXXX XXXX  I updated my auto-pay to my new bank details, but Chase still incorrectly tried to take payment from my old ( closed ) bank account. I contacted them on XX/XX/XXXX and spoke to XXXX. He said they had a system glitch and updated the system with the notes. The payment issue was resolved but it appears they then used THAT issue to continue charging me more fraudulent interest.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$630.00}
Product: Mortgage

We took out a mortgage of {$440000.00} on XX/XX/21 on a new home with US Bank. We sold our prior home on XX/XX/21. We applied the proceeds from the sale of our prior home to the US Bank mortgage the following week. When the US Bank mortgage reflected the new remaining mortgage amount of {$4300.00} I requested they drop the PMI. In response they sent me a letter informing me that to drop the PMI would require a {$140.00} non-refundable assessment to determine " that the property value has not declined ''. They also stated that the assessment would have to be scheduled and then the report would take up 10 days from the assessment before they could review it. They also demanded that I present them a certification my expense that there are no liens on the property.
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX from XXXX on the site - XXXX XXXX for sale. On XX/XX/XXXX, I sent XXXX XXXX the sum of {$350.00}. for the product through Paypal. Payment ID # XXXX. She claims she did not know how to access the money, and it would not be touched and to send it again. Sent another payment of {$350.00} onXX/XX/XXXX payment ID XXXX. I did receive the Tour Pack from the XX/XX/XXXX payment. I had contacted XXXX several times to dispute the duplicate payment and they informed me she MUST return my money. I contacted her several times with no avail. Now she has blocked me - removed herself from XXXX and I learned she now is going under the name o XXXX XXXX XXXX, trying to join the XXXX XXXX XXXX again and was rejected due to her photo. Now her photo is also changed. This is a scammer. I am getting nowhere with XXXX. I want my {$350.00} back and this girl charged! She will try to rip off others too!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no knowledge of debt. Contacted collections and original creditor and XXXX parties have yet to provide accurate validation or liability of debt that 's in collection. Having called numerous times to resolve this matter they have been extremely rude and lack customer service to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Ive sent in disputes for these items before. Ive went to XXXX XXXX XXXX XXXX XXXX XXXX to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed everything still the same.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has voliated my right.

and according to 15 USC 168I 5 they are suppose to do this ( 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 promptly delete that item of information from the file of the consumer. 
The person has been notified by the consumer at the address specified the person for such notices, that specific information is inaccurate and the information is in fact inaccurate.
Product: Debt collection

I am filing this complaint about an ongoing issue with Portfolio Recovery and an alleged debt referenced by account # XXXX. I previously filed a complaint about this same collection account, and despite their assurance they would investigate, they have neither removed this erroneous item nor provided any substantive proof of its validity. 

Key Points : Alleged XXXX Business Credit Line Portfolio Recovery has stated this debt is from a XXXX business credit line. However, I have never had a XXXX business credit account ; in fact, I do not own or operate any business. 
Lack of Investigation Results Although Portfolio Recovery indicated they would investigate, they have failed to provide any documentation or verification to support their claim. This strongly suggests that the debt may be misattributed or entirely fraudulent.

Failure to Remove Inaccurate Information Despite their lack of proof, Portfolio Recovery has not removed the collection account from my credit report, causing ongoing damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove incorrect personal information from my credit report. I called them on XX/XX/2023 to remove the name XXXX XXXX which does not belong to me from my credit report, however the name is still in my credit report. 

In addition, I asked to remove the past address from my credit report because I'm afraid of identity theft but they refused.
Product: Mortgage

Ive been trying to collect an overpayment that I made in XXXX it was almost {$900.00} they sent me a check that I didnt cash since I was in the XXXX with my XXXX going through XXXX, they said theyd look into it, but ultimately that they sent the funds to the state due to unclaimed funds ; contacted state they said nothing wasnt sent to them from the mortgage constant. I just want my money to pay other bills.
Product: Debt collection

Subject : Formal Complaint Regarding Unauthorized Access and Coercive Collection Practices Dear LVNV FUNDING LLC, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that LVNV FUNDING LLC has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing LVNV FUNDING LLC from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with LVNV FUNDING LLC and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to Consumer Information - LVNV FUNDING LLC accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities. 

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code. 

Furthermore, the actions taken by LVNV FUNDING LLC may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA. 

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA. 

Additionally, I want to bring to your attention the following federal and state consumer laws : 3. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 : - Unauthorized access to my non-personal information may also be in violation of the EFTA. 

4. Texas Business and Commerce Code 17.50 : Deceptive Trade Practices- Your coercive collection practices may be considered deceptive trade practices under this code.

I demand that LVNV FUNDING LLC cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law.

I expect your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Activity Due to Identity Theft Dear CFPB, I am writing to formally dispute certain transactions or accounts that have been opened in my name without my consent, as I believe I have been a victim of identity theft. Especially when my Information was exposed in the data breach. You have to remove this information, dont turn my dispute into a XXXX  day dispute under section XXXX this should be removed within XXXX  days. Please consider this letter as a formal notice of dispute regarding the following unauthorized activity : Any hard Inquiries done in 2024 I didnt open any or give permission to anyone to do so. 

XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and expect a response within XXXX days, as required under the Fair Credit Reporting Act. 
Thank you for your assistance. 

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

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports.. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.