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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XX/XX/XXXX Ssn : XXXX My address : XXXX XXXX XXXX XXXX, NC XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : Closed accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection accounts below Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER XXXX unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTINGACT section 623 ( a ) ( 3 ), and Iam keeping CAREFULrecord of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. Iwill be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, Imay be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

*Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX, XXXX and TransUnion and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX   Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and incorrect. Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft.
Product: Credit reporting

Trans Union is not responding to any of my requests to investigate and remove accounts from my credit file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto received payments from my insurer XXXX and GAP for balance on Total Vehicle Loss. I made monthly payments until the claim was resolved. Sometime after final payment. Chase demanded an additional {$59.00} to cover payoff. This amount was reported to the credit bureaus resulting in a dramatic scoring drop. This has effected my ability to get my home refinanced.
Product: Debt collection

I have never received anything in the mail or any phone calls about this debt collection. I have tried to dispute it at least four times. I dont even know what this if for or how I would get a hold of the company to find out.
Product: Credit reporting or other personal consumer reports

Dear Transunion, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The number of months is different from different from XXXX- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and XXXX- It's a violation because all three XXXX not consistent -The last reported is different from Transunion and XXXX -It 's a violation because all three are not consistent -The comments sections are commenting different comments, and they are no in consistent- It's a violation because all XXXX  are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all three are not consistent The 'date of XXXX " XXXX is different from XXXX 's a violation because all three are not consistent As far as the payment history is concerned XXXX your company reported is not showing any payments history when XXXX and XXXX is showing a payment, which means the payment history is not consistent with the other XXXX XXXX. 
Please see attachment for proof
Product: Mortgage

This is the issue in which I am requesting a relief letter from Bank Of America. 

For consideration : BOA mortgage acct # XXXX XXXX. On XX/XX/XXXX, I filed a voluntary petition under Chapter XXXX of the United States Bankruptcy Code in the United States Bankruptcy Court. On XX/XX/XXXX, it was discharged. The debt was not reaffirmed. ( I attached a copy of the Bankruptcy doc and Letter of confirmation from BOA ) 2. A Deed In Lieu of Foreclosure was completed on the same property on XX/XX/XXXX. ( I have attached a copy of the Deed In Lieu doc ).

Note : I should not have been advised to enter into a second hardship situation on the same property that had previously been discharged in Bankruptcy.i A deed in lieu of foreclosure is a deed instrument in which a mortgagors ( i.e. the borrower ) conveys all interest in a real property to the mortgagee ( i.e. the lender ) to satisfy a loan that is in default and avoid foreclosure proceedings. Further, the deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principal advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. 

My question/issue : I contacted Bank Of America in XXXX XXXX for advice on how best to vacate the property at XXXX XXXX XXXX XXXX XXXX, Al XXXX that had been previously discharged in Bankruptcy in XX/XX/XXXX. I was advised to initiate a Deed in Lieu of Foreclosure. 

According to the description or definition of a Deed In Lieu stated above the Deed In Lieu process should not have been required because I was no longer responsible for the debt after the bankruptcy discharge on XX/XX/XXXX XXXX see attachments ) The guidance I received from BOA has caused a great deal of confusion thereby increasing the waiting time for me to become eligible for a new mortgage. My waiting time should be four years from the date of the Bankruptcy that occurred in XXXX XXXX which would have made me eligible as early XXXX ; however, having been advised to enter into the Deed In Lieu, the waiting period started with the transfer of title in XX/XX/XXXX. Therefore I will not be eligible until XX/XX/XXXX. 

Why did BOA allow this action to take place?
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

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

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. 

I Have never given permission for these companies to pull my credit for the last year! 

This is illegal and a violation of consumer rights! I obtained FTC Identity Affidavit back in XXXX to dispute and request deletion. 

EQUIFAX has refused to delete these inquiries which has blatantly violated my consumer rights and protection. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2022 Balance : {$210.00}. Please delete.
Product: Debt collection

On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX, which was subsequently turned over to the Federal Trade Commission-FTC, complaint # XXXX. The complaint was based on the fact that American Collections, called my residence several times and requested my social security number and my address over the phone. I refused to provide the information and in turn requested that they provide me with written debt validation as required by the Fair Debt Collections Practices Act XXXX FDCPA XXXX. After repeated requests to the collection agency to provide written debt validation, I filed the complaint with CFPB. When I did n't hear anything else from the company after filing a complaint with CFPB and did n't receive the validation required by FDCPA, I believed they were a SCAM, because no legitimate company would ask you for your social security number over the phone. It was not until I ran my credit in XX/XX/XXXX, that I realized that this company had placed a collection account on my credit report for some type of medical bill. 

Upon learning of the collections on my credit files, I contacted the credit bureaus in XX/XX/XXXX to dispute the account. After a thorough investigation, the credit bureau deleted the account from my credit report in XX/XX/XXXX, because the debt collector failed to validate the debt when contacted by the credit bureau. 
At this time, I am submitting another complaint against American Collection based on the Prohibition of Unfair, Deceptive, or Abusive Act or Practices in the Collection of Consumer Debts. On XX/XX/XXXX American Collections appear to be threatening to start this harassing cycle all over again. They began calling my house again, but to this day have never sent any written verification of this debt. I have gone through the proper process of disputing this file and getting it removed from my credit report and they continue with the abusive collection processes of asking consumers for the social security number and other pertinent information over the phone. These illegal tactics have jeopardized my ability to attain an acceptable credit rating after XXXX years of flawless credit. 
In addition to filing this complaint, I have mailed ( return receipt XXXX a letter to the creditor asking them to mark any submission to the credit bureaus or other parties as disputed. 
In my previous complaint, I was told by CFPB that you could n't send my complaint to the company because they had not been registered by CFPB and that my complaint had been forwarded to the FTC and entered into the XXXX. At this time, I am asking CFPB to register American Collection to ensure proper handling and adherence to consumer protection policies and procedures. I am also asking that CFPB and/or FTC contact the company and required that they stop harassing me and to remove any derogatory markings from my credit files. In addition, I am asking that CFPB take the necessary actions with FTC to investigate American Collection for violations of FDCPA and UDAAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer.

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Cons
umers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

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

In accordance with Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Product: Credit reporting or other personal consumer reports

I am formally challenging any wrong or undocumented data found in my credit report, counting unconfirmed claims. Beneath the FCRA and the acknowledged STANDARD of metro 2 information field announcing, I challenge the reportability of these unconfirmed charges. Government and state laws require precise and total announcing, denying the consideration of known or should-be-known illegal claims. If it's not too much trouble guarantee the exactness and rightness of all your claims, as ordered by the Metro 2 announcing standard. I compassionate ask you to supply irrefutable physical prove to bolster the presence and reasonable utilization of the account. On the off chance that such prove is missing, I anticipate the expulsion of the account from the report. I authorize you to send me physical documentation of your activities and an overhauled credit report for my records. 


Listed below are the Accounts that are being challenged XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00}