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

GoodLeap , LLC. NMLS # XXXX, has not reported my loan information to credit bureaus for 126 days. Goodleap has not reported the state of this loan since its inception. I have paid off a significant portion of the loan so far. Without GoodLeap reporting accurate information, it hinders my ability to obtain fair credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATION/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

Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? '' I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A NOTICE OF DISPUTE REGARDING AN ITEM APPEARING IN THE EXPERIAN FILE.

This is a follow up to a prior complaint against Experian with the CFPB ( Complaint Number XXXX ) filed via consumerfinance.gov onXX/XX/XXXX.

Experian FAILED to answer the specifics of my complaint, and for this reason, I am resubmitting the complaint.

First of all, Experian is REQUIRED by the rules clearly spelled out in the Fair Credit Reporting Act ( " FCRA '' ), to provide a consumer with the " Description of the reinvestigation procedure. '' 15 U.S.C. Sec 1681i ( a ) ( 7 ).

My NOTICE and complaint against Experian was quite clear, it was a follow up to a PRIOR dispute regarding a factual error on the consumer report, for which Experian claimed the item was " verified. '' It was NOT a dispute itself, but rather a FOLLOW UP TO A NOTICE OF DISPUTE, as per dispute rules of the FCRA.

The Report # was XXXX, dated XX/XX/XXXX. The item in dispute was " XXXX XXXX XXXX '' Experian may NOT simply " parrot '' information from a furnisher, and claim an item is " verified. '' Since this complaint is NOT A NOTICE OF DISPUTE, Experian DOES NOT have my permission to share any personal information regarding this CFPB complaint with the furnisher, and simply pretend that it is a dispute so that it can simply claim the item is " verified. '' This complaint is a NOTICE to Experian pursuant to the FCRA, and Experian MUST ONLY provide me with the following : 1. The EXACT PROCEDURE it used to " determine the accuracy and completeness of the information '' in reference to the Report # XXXX. This includes the PHYSICAL DOCUMENTS that Experian used to verify that the item, including all amounts and payment history were being reported accurately.

2. The NAME of the person that Experian contacted ( vague responses of " furnisher '' or " the company '' will not suffice ). Experian must list the SPECIFIC NAME of the person it contacted ( " person '' is defined in the FCRA, under Sec 603 [ 15 U.S.C. 1681ia ] ).

3. The BUSINESS ADDRESS of the person that Experian contacted regarding the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus XXXX, Transunion and XXXX trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.
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. 

Account name 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: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor request for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could Include filling complaints with the consumer ( FTC ), as well as pursuing other remedies to protect my rights.

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts. as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

I noticed  Nationwide Acceptance Corporation app ear on my credit report today  XX/XX/2017   . I have no outstanding medical bills with my insurance carrier. I have attempted to contact this company via certified mail and via phone at the numbers listed on their website contact information. ALL TELEPHONE NUMBER ARE INVALID. Also noting there are two variations of an address as well from my credit report versus the company website. It is my belief this is a fraudulent company attempting to obtain money from me and falsely reporting information on my credit report.     Telephone Numbers Listed NOT IN SERVICE :  XXXX   XXXX  WEBSITE :  http : //www.nationwideacceptance.com/contactus.aspx
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to an earlier dispute that the accounts were verified or updated. 

Accounts I also had no knowledge of where the creditors did not send me verification that these were my accounts. 

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and findings of the law. The FCRA governs how credit reporting agencies ( CRAs ) access and use consumer credit reports. 
Purpose The FCRA 's purpose is to ensure that CRAs are fair, impartial, and respectful of consumers ' privacy rights. 
The FCRA also aims to promote the accuracy of consumer credit reports, which are essential for the banking system. 
Findings The FCRA finds that inaccurate credit reports can harm the banking system. 
The FCRA finds that unfair credit reporting methods can undermine public confidence. 
Related laws 15 U.S.C. 1681a : Defines rules of construction and terms 15 U.S.C. 1681e : Requires CRAs to have procedures to limit the sharing of consumer reports 15 U.S.C. 1681m : Requires users of consumer reports to disclose the nature of the information to consumers if it's used to deny credit or increase the cost of credit 15 U.S.C. 1681n : Creates a private cause of action for damages caused by willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated this inquiry in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife passed in XX/XX/XXXX.. Her credit debts were sent to the home for pmt and I notified them of her passing and sent a copy of the death certificate. All of the debts were that of my wife ; I never signed an application for joint access. Subsequently, EVERY company has shifted the debt to my name as though I am responsible although I told them I knew nothing of these. I submitted an investigation on XX/XX/XXXX to XXXX to dispute these and have them removed. In addition, XXXX is reporting me deceased which prevents me from applying for any new credit ie a home equity line. Two months have passed, no corrections have been made. Debts reported as of XX/XX/XXXX/not mine are as follows : XXXX  {$2400.00}, Capital one XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, dpt ed/XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, in summary 12 revol debts at XXXX total, 2 installments at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts on my reports I do not recognize
Product: Bank account or service

I inquired online on XX/XX/2016 about when a {$300.00} bonus would post to my account. I received a message back that I would receive a response in XXXX business day, I waited until XX/XX/2016 and after not receiving a response, I replied to the email about a status. On XX/XX/2016 I receive a response from a XXXX with an email tag of Sovereign Bank stating that if I still needed assistance to call their customer service phone number. It took customer service 5 days to reply with no resolution and to have me then call them back. This is unacceptable service.
Product: Debt collection

XX/XX/XXXX amount owed {$3000.00} XX/XX/XXXX amount owed {$31.00} these are under 2 different account numbers neither one is mine. i have filed an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, Please remove the following name from my report as it does not belong to me and is being reported in error : Wrong Name : XXXX XXXX. Attached you will find a copy of my state issued drivers license. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX.
Product: Debt collection

On XX/XX/2019 I received a demand letter from Nowack Howard indicating I had a past due amount owed. It was the first time I learned of debt. This predatory collection was sent by the HOA board to as much as 10 % of the homeowners by the Board attorney who conveniently acts as the collection  attorney as well. I sent this in response to them on XX/XX/2019 : " I am writing in reference to your letter dated XX/XX/2019 regarding a past due bill of {$420.00} due to the XXXX XXXX XXXX   XXXX XXXX. You are demanding a total of {$750.00} to be paid on a bill that is less than 6 months old that I had no idea it had not been paid. This email will serve as official dispute of the amount your letter indicates that I owe and as a notice to the HOA for failure to provide due dilligence before escalation. I had thought this bill was paid and never received a notice indicating it was past due. The first time that I became aware of this was upon receipt of your letter. I want to pay the amount of {$420.00}. The HOA or its assign was responsible for notifying me that this amount was not paid and I received NO SUCH letter or verbal notice. They failed to provide due dilligence in notice per the HOA docs. " The Association shall cause a notice of delinquency to be given to any member who has not paid within ten ( 10 ) days following the due date. '' The Board has changed management companies and now will not provide me with proof of their mailing or a timeline of when this can be provided. There is a history of erroneous assessments and fines from the prior management company so their credibility is already questionable. This has been handled by the Board in a  completely unreasonable and unprofessional manner and I am officially disputing the amount due to your firm- ( 80 % added onto the amount actually due to the Association ). I would be happy to pay  the {$420.00} due and would have paid it if I knew it still was outstanding 10 days after the due date. Please advise on where to send the {$420.00} as I will pay immediately. In over 6 years, I have never paid a late bill and I take pride in paying my bills on time whereas the practices of the management company have been questionable. '' Ultimately, the HOA waived the late fee but the attorney 's fees have not been waived and I can not pay the HOA unless the attorney is paid first as all amounts paid are applied to the attorney fee first.. Please help as this never should have been sent to the attorney and I am literally forced to pay their fee. As much as 11 % of homeowners have been sent to this attorney incorrectly and upon the advice of the same attorney at the board meeting. This is PREDATORY COLLECTIONS upon the unsuspecting homeowners. 

Thank you,
Product: Debt collection

I owe XXXX dollars for something i have no knowledge of. It just appeared on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I HAVE A CURRENT LOAN WITH SANTANDER AND THEY HAVE WRONGFULLY REPORTED TO ALL THREE CREDIT BUREAUS THAT I HAVE BEEN LATE 5 TIMES AND THAT IS WRONG I HAVE ALL MY BANK STATEMENTS TO SHOW OTHERWISE. ALSO THE LAST ONE POSTED ON XXXX OF THIS YEAR AND HOW COULD I BE THIRTY DAYS LATE WHEN I MADE PAYMENT ON THE XXXX OF XXXX AND BEFORE XX/XX/XXXX THEY HAD ALREADY POSTED THAT I WAS LATE IN THE MONTH OF XXXX BEFORE XXXX WAS EVEN OVER. MY CREDIT SCORE OBVIOUSLY TOOK ANOTHER HIT FOR A CURRENT LATE PAYMENT AND ALSO SANTANDER WAS SUED AND THE BORROWERS PREVAILED. I WANT MY CREDIT REPORT TO REFLECT MY PAYMENT HISTORY AS PAID AS AGREED WITH NO LATE PAYMENTS BECAUSE I WAS NEVER LATE. I THANK YOU FOR GIVING THIS MATTER YOUR IMMEDIATE ATTENTION AS WELL AS FOLLOWING UP SO THAT THEY CAN MAKE THE NECESSARY CORRECTIONS.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have items listed on my credit report that are inaccurate. 
A credit check from XXXX XXXX was done without my authorization. 
I have a letter from XXXX confirming the error ( attached ). 
I am asking both credit bureaus to remove the following inquiries caused by XXXX error : 1. XXXX  XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX  Please remove and delete these inquiries that were no authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian Report # XXXX ; XXXX File # XXXX On XX/XX/XXXX, I sent XXXX a letter requesting am investigation under FCRA Section 623 regarding tradelines I previously disputed with Experian and XXXX. These inaccurate tradelines were incorrectly verified by the credit reporting agencies. 

My letter ( attached ) included report numbers from the above-mentioned bureaus ; my name and address ; the account numbers as listed on the credit reports ; and the relevant pages from my Experian credit report ( attached ). 

This letter was sent via Certified Mail, Return Receipt. XXXX received the letter on XX/XX/XXXX ( # XXXX, attached ). 

On XX/XX/XXXX, I received a response from XXXX ( attached ) dated XX/XX/XXXX indicating that my dispute was frivolous and requesting the " specific accounts '' and " an explanation of the basis of the dispute. '' I object for two reasons : ( 1 ) All requested information was provided in my letter of XX/XX/XXXX ; ( 2 )  According to the FTC, the Fair Credit Reporting Act allows XXXX to determine that a dispute is frivolous or irrelevant under certain circumstances but requires them to notify the person who made the dispute of that determination within 5 business days of receiving the dispute. This means that a letter determining my dispute to be frivolous should have been mailed by Friday, XX/XX/XXXX. XXXX 's letter to me is dated XX/XX/XXXX, was postmarked on XX/XX/XXXX ( envelope image attached as Exh. " B '' ) and received on XX/XX/XXXX. Therefore, XXXX has violated my rights under the FCRA.
Product: Debt collection

Company has been asked to provide proof of any debt on 3 different occasions but has not. Asked to stop calling
Product: Credit reporting or other personal consumer reports

I have asked for incorrect information to be deleted all of my credit report, also information that is in accurate and it still remains there. I also have accounts that are in collections whereas I had no contract with these collection agencies. I have requested a letter of validation verbally, i have not receive one at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} ), XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.