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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : Dear 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/17   . I went to check into cash and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then two weeks later   X/XX/17  I   went back to the branch and rewrite my contract and i got another alert stating that CHECK INTO CASH did another credit inquiry. I do n't like this idea at all .It affected my  credit score.  I was n't informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance
Product: Payday loan, title loan, or personal loan

I took out an emergeny loan for {$600.00}. I have paid back more than the original {$600.00}, however I still owe {$750.00}. I attempted to try to settle the amount of remaining interest and was told because I am in good standing it is not an option. I have had XXXX unexpected surgeries this year and was on XXXX  XXXX  XXXX for XXXX  months. Im not sure how it is legal to charge this amount of interest and the company is not willing to assist. I was also told if I cancel my ACH payment my balance is due in full. An account can not be charged off prior to 180 days. I also requested a cease and desist on phone calls and was told they will still attempt to call me.
Product: Checking or savings account

An unknown entity withdrew funds from my account using ACH. 

On XX/XX/2022, {$49000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, {$20000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, Fifth Third Bank, restored the {$20000.00}. 

On XX/XX/2022, Fifth Third Bank refused to restore {$49000.00} with no discernable reason.
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 # XXXX XXXX and XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 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 or other personal consumer reports

NEGATIVE ACCOUNTS : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX These accounts were reported this year XXXX. I am not sure why it happened. These accounts have not been reported under my name since XXXX they were opened.
Product: Debt collection

I received a call from an unknown number on XXXX XXXX, 2016. I did not anwer the call because I was at work. Later in the day I received a call from a friend that they received a call for me stating I had XXXX cases with XXXX County pending if i do n't call them back. I got the number from her and a reference number, I called the company and they told me that there are XXXX pending charges against me for submitting a false check and that they could garnish my wages and take me to court in XXXX County if I did n't pay. While on the phone the lady i spoke to said she has to talk to their legal counsel about my account, and find out if the charges have been filed. Then she said she would transfer me to legal counsel to ask me some questions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX XXXX XXXXXXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXX XXXX XXXX account. This complaint specifically pertains to the credit file maintained by TransUnion, XXXX, and XXXX. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : XXXX : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and TransUnion : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by TransUnion and XXXX, but {$0.00} by XXXX. 
Payment Amount : {$64.00} ( TransUnion and XXXX ), {$100.00} ( XXXX ). 
Last Verified Date : TransUnion : XX/XX/XXXX ; XXXX : Not reported ; XXXX : XX/XX/XXXX. 
Date of Last Activity : TransUnion : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
Date Reported : TransUnion : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt. 
Requested Resolution : I request the following actions be taken : XXXX a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( TransUnion and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies XXXX compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit reports today and found that there was some inaccurate information on the following account. I don't understand why this collection is showing on my Transunion Credit Report because I don't have a contract with XXXX XXXX XXXX  Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : also states that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instructions. I have never given XXXX XXXX XXXX  written instructions either. Please delete this inaccurate collection account and mail me a corrected copy of my credit report.
Product: Mortgage

I was hit by hurricane Irma in XX/XX/XXXX and never recovered and applied for a loan modification and sent in a complete package of 31 pages on XX/XX/XXXX before there was a sale date scheduled. As the review went on a sale date of XX/XX/XXXX was set. I was not worried because I had already submitted my documents and knew in the past Ocwen was very helpful in loss mitigation options. I was asked to send in more documents and sent in 13 pages on XX/XX/XXXX then they asked for more documents and I sent in 3 pages on XX/XX/XXXX.

All was still well because on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was being assured that once that package is complete the sale will be placed on hold so they could review my package for workout options.

On XX/XX/XXXX at XXXX XXXX I went to the escalations department and they confirmed my packaged was deemed " complete '' I breathed a sign of relief.

On XX/XX/XXXX I call in and it's a whole different story, they claim I still need another document which was not asked for before and ignore the " complete package '' determination I had the day before.

On top of that they claim since I was less than 7 business days from a sale date they were not going to review me anymore?

I escalated it to the Ombudsman department who is trying to resolve it now especially since I was deemed to have a complete package on XX/XX/XXXX at XXXX XXXX and assured my multiple agents the days prior that the sale would be stopped once I reached that designation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX **TransUnion LLC** XXXX XXXX XXXX XXXX, PA XXXX **Subject : ** Formal Complaint Regarding Inaccurate Credit Reporting Dear TransUnion, I am writing to formally lodge a complaint regarding the removal of a positive account from my credit report. This account was paid off in XXXX, and its removal has negatively impacted my credit score and financial reputation. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, concerning the accuracy of reporting. I did not provide written consent for your company to furnish my credit report, and the removal of this account is both inaccurate and unjustified. 

To support my claim, I am uploading the following documents : 1. Payment history for the account in question.

2. A paid-off letter confirming the account 's status. 

I request that you correct my credit report to reflect the accurate information regarding this account. If my credit report is not corrected promptly, I will escalate this matter by contacting XXXX as indicated below. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the correction of my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by XXXX, Equifax, and XXXX Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) XXXX, Equifax, and XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ).

Nature of Complaint On [ XX/XX/XXXX ], I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. 
The FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe. 
Legal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days. 
15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute.

Case Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : Murr v. Countrywide Home Loans , Inc., 45 F.3d 1329, 1333 ( 9th Cir. 1995 ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by XXXX, Equifax, and XXXX and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. 
Provide a written response to my dispute within 30 days of receiving this complaint from the CFPB. 
Update my credit report with any necessary corrections based on the investigation 's findings. 
Supporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of XXXX, Equifax, and XXXX to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Please note : ID and Proof of address.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. 
In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 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. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( 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. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXX XXXX XXXX ) you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX