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

Subject : Failure to Notify Consumer Reporting Agencies of Disputed Debt - Violation of 15 U.S.C. 1692e ( 8 ) XXXX XXXX, I am writing to address your failure to comply with federal law regarding an account under my name. Specifically, you failed to notify the consumer reporting agencies that this debt was disputed, in violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

As you are aware, under 15 U.S.C. 1692e ( 8 ), debt collectors are prohibited from failing to communicate to any person that a debt is disputed, particularly when such omission would mislead or harm the consumer. The relevant case law, Brady v. Credit Recovery Co., 160 F.3d 64 ( 1st Cir. 1998 ), supports the position that a failure to report a disputed debt to the consumer reporting agencies constitutes a violation of the FDCPA. 

Here are the key facts of this matter : I and the co-signer disputed the validity of this debt XX/XX/XXXX. I possess time-stamped electronic proof of this submission, to which an employee acknowledges receipt. You failed to notify the consumer reporting agencies that this debt is disputed, resulting in inaccurate and misleading information being reported on my consumer report. 

Due to such negligence, I reserve the right to pursue remedies under the Fair Credit Reporting Act ( FCRA ) and FDCPA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Wells Fargo continues to refuse to remove accounts that we opened under my name during a divorce. I did not open the accounts. My Xwife was violent, she used bats, frying pans, lamps or any other large object that might have killed one of my children. I stopped her because police and child protective services would not help. I was alone. I got punished for stopping her, she would attack me screaming that I was undermining her parental authority. I suffered uncountable XXXX XXXX, XXXX XXXX and XXXX XXXX. Eventually I checked myself into a XXXX hospital. It has been 4 years now and my Xwife still sends me emails from new accounts laughing at the dept she piled on, but I can't prove it is her. Why must I continue to suffer even though I have gotten away?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

Upon this I reached out to the company many of times with no response and I also contacted them to get information on this account and I was not giving any information or feedback
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to the section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) there are specific permissible purpose for obtaining a credit report. I did not authorize these account a can not find any permissible purpose under this section that justifies their presence on my report. Please delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding a collection account reported by Portfolio Recovery Associates on my credit report. This account, listed under the reference number and amount of {$1000.00}, was reported on XX/XX/2024. I dispute this account on the grounds that I have no contractual agreement with Portfolio Recovery Associates, nor has there been any verification of the debt or assignment transfer contract provided that would legally authorize them to collect on this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this right, no validation has been provided, and Portfolio Recovery Associates has failed to produce any documentation establishing their legal authority to collect on this alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification of this debt confirms that this collection account is both inaccurate and unverifiable. I am also filing this complaint against XXXX for reporting this inaccurate and unverified collection account on my credit report. XXXX has a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to report this erroneous account without proper verification, XXXX is in violation of the FCRA. I am requesting the immediate deletion of this account from my credit report by both Portfolio Recovery Associates and XXXX. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action to ensure compliance with federal laws. I expect this issue to be resolved promptly and request confirmation that this account has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, For chase credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Debt collection

I received a ding or hit of XXXX points for a {$88.00}. I called the company XXXX company name Transworld Systems and they would not give me any info other than the debt is from XXXX XXXXXXXX and is from XXXX years ago. I asked them for the account or any information they did not give it to me. They refused to give me any info said fine give us fraud records there is no record I want the invoice or docs they then said they had to contact XXXX XXXX and they did not have it. I also pointed out it is older than XXXX years they insisted its when they buy the debt. I called in again and asked about 3 times they did not know or have any info. They said they can't do anything even one time they even said I have to send them documents when I have no idea what it is. I called XXXX and they still did not have anything. I don't owe the money and could not get a document as to what it is etc. I filled a dispute with the Bureu they Insist I owe it and reported it as from this year. I never have had XXXX I have had XXXX XXXX XXXX XXXXr 10 years and then version. Once I told them that they also claimed I had a version account as well. This company is a scam! 
I even called XXXX they said it was a mistake and I did not owe them money!
Product: Mortgage

I was denied assistance for mortgage relief when I attempted to apply. Citifinancial does not participate in the mortgage relief program that was sponsored by the federal government. My state received funds for mortgage relief through the S.C. help program. I was denied help because citifinancial does not participate. I was also denied adequate deferment. Citifancial was also very rude to me, unprofessional, and uncaring. Other individuals have experienced the same difficulties that I have. Citifinacial wanted to foreclose on me and others for a profit.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX, and I have notice that the credit reporting agencies are taken advantage of me by inaccurately reporting late payments thats totally inaccurate. Do to this inaccurate reporting I have been denied lines of credit, and was denied a loan. Please look at the documents I have attached. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have had it with Experian 's handling of my issues with the way they are reporting my personal information. There are wrong addresses on there that I have never even lived at. In response, I have gotten letters from them requesting information that I already sent out ( a utility bill with my current address, my ID with my current address, etc ). 

I mailed them the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, At this point mailing them so many times out is messing with the security of my information. I mailed them a follow suit letter as well on XX/XX/XXXX showing that XXXX fixed the errors on my personal information in my report and that experian is obligated by FCRA laws to follow suit by also updating my information so it matches. 

I have included files that show that Experian has received the information they are YET AGAIN requesting. 

The only information on my credit report should be my current address : XXXX XXXX XXXX XXXX XXXX, OR XXXX my current phone number : XXXX and my current employment status : XXXX  Student at University XXXX XXXX XXXX This week, XX/XX/XXXX I received XXXX letters from experian after I submitted my previous complaints with the CFPB. XXXX of those letters are asking for the information I have already sent over XXXX TIMES!!!!!!!! I sent my current utility bill from XXXX, and I even included my XXXX that contains my SSN! 

I have sent an OVERWHELMING amount of evidence to get the wrong information removed and have the right information stated on my credit report. Experian is especially messing with my ability to move at the moment since whenever my credit is pulled, they see the erroneous previous addresses. 

I HAVE ATTACHED EVIDENCE THAT SHOWS I MAILED MY EVIDENCE MULTIPLE TIMES ALONG WITH THE LETTERS.
Product: Mortgage

During COVID-19, I was granted forbearance period for 6 months which was agreed upon from both sides stating I would not be affected negatively. I ended the forbearance period early and immediately was current on my payments. I worked extra hard during the pandemic to make extra payments to have PRIVATE MORTGAGE INSURANCE removed. In mid XXXX, to loan to value ratio was 78 %, under the 80 % mark to be qualified to have PMI removed and was current on my payments. I reached out to the PMI department via email and they got back to me on XX/XX/2020 stating although my loan to value ratio was 78 % and was current on my payments, PMI will not be removed since I was late on XXXX payments. After contacting customer service and speaking to XXXX and XXXX and from forbearance department XXXX for an hour, they could not see the late payments on my record. XXXX spoke to the supervisors and concluded that it was indeed the forbearance period which was AGREED upon, which was negatively impacting me and I would have to continue paying PMI for 24 months in order for it to be removed. I find this unacceptable as there were no late payments but agreement was made which I abided by. 
To hold a forbearance agreement, because my mother was infected while global pandemic was going on, against me negatively is not just insensitive but plain wrong.
Product: Debt collection

XXXX XXXX XXXX claims a right to collect a debt from me of {$3900.00} and a right to report bad credit to my credit reports.. 
On XX/XX/XXXX they broke the Fair Debt Collections Practices Act by discussing my credit reporting while trying to collect, something the Consumer Financial Protection Bureau warned them in XX/XX/XXXX. My XXXX registered & bonded XXXX XXXX XXXX under my Power of Attorney was told, " If you are looking for a deletion I would start by paying in full '' instead of the 75 % off they were willing to settle for if I did not want credit report deletion.. 

The company is also violating the CA Consumer Credit Reporting Agencies Act with inaccurate reporting on my credit reports regarding the account " date opened '' and the " date of last activity '' with Citibank, the original creditor they say they bought collection rights from.. 

Finally, Citibank previously sold my defaulted debt before it defaulted. Citibank makes offers of debt sales on their website and reports the sales to the US XXXX XXXX XXXX XXXX, it is all public information. This means XXXX is lying and trying to defraud me with a claim of rights to collect. I am sure that XXXX  commits this fraud on many Calif consumer, they even file lawsuits with no standing to convey to a CA court of law = Abuse of Process, Abuse of Court Process, Undue influence, Unfair & Unlawful business practices, fraud and more. PLEASE CONTACT ME BY EMAIL FOR EVIDENCE OF WHAT I JUST SAID.. 

To the best of my knowledge the above is true. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am signed up for online access with transunion ( https : //service.transunion.com ) to freeze/unfreeze report for last few years. Earlier this year, the freeze/unfreeze stopped working and all I get is an error asking me to call a number. 

I have called several times without any resolution. I keep getting transferred to different teams. In my last interaction on XX/XX/2023 the team I got connected to seemed to be the right team. The representative said she knew the exact problem but a supervisor had to fix it. I asked more details and was told she can't disclose anything, which doesn't sound right to me. 

Anyways, few weeks later there is no resolution ( I was told it would be fixed in few days ). Ticket number : XXXX XXXX XXXX XXXX So no resolution, no communication and when I call, I keep getting transferred to teams that have no idea and say everything shows good to them. 

more details on the error : Your TransUnion Credit Report Freeze status is currently : UNKNOWN The TransUnion XXXX XXXX XXXX is temporarily unavailable. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax to dispute the collection ( {$490.00} ) XX/XX/XXXX- Submitted online dispute to Equifax ( {$490.00} ) XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax that neither collection agency had verified the collection ( {$490.00} ) XX/XX/XXXX- Submitted another online dispute with Equifax ( {$490.00} )
Product: Debt collection

Dear PETER ROBERTS & ASSOCIATES / Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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. 


XXXX XXXX XXXX XXXX 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 8