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

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with the account opened on XX/XX/2017, for {$11000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law.

Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I went to XXXX XXXX XXXX car dealership to purchase a car. They said I was approved by United auto credit. I signed contract drove off with car. A week later On XX/XX/XXXX car was stolen by dealership saying bank never approved loan. As a federally protected consumer my rights were violated. I came in good faith to extend credit/15 USC 1679 ( a ) to make a consumer credit transactions. According to 15 usc 1611 criminal liability for willful and knowing giving false information. And other U.S. federal codes, These corporations are in violation of my consumer rights. They are also in violation of the Truth in Lending act, Equal Opportunity Act, The Emergency banking Act and The Fair debt and Credit Protection Act. I am the original creditor because every single extension of credit or debt obligation originates from my social Security number. They also lied about Mileage, price of car, and down deposit. My Credit score has been affected by this matter as well which is another violation. I have no car because it was illegally stolen but I have a contract that states car belongs to me. This is a civil and criminal matter. I would like to seek proper remedy for all damages this may have caused me.
Product: Credit card

There was a credit card opened in my name for Capital One on XX/XX/2022 with a debt of {$1100.00} and it is not mine. I never had a credit card before.
Product: Credit reporting or other personal consumer reports

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, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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. 

And according to 15 USC 1681s-2 they are supposed to 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

To whom it may concern, I'm sending the letter to get inaccurate information deleted that's reporting to Equifax and XXXX. I've tried to have XXXX XXXX and the credit bureaus to remove the 90 day past due after the account was closed on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the XXXX major credit reporting agencies, namely XXXX, Equifax, and XXXX. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as XXXX, Equifax, and XXXX failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other XXXX XXXX I need your help as I have been ignored and subsequently been deleted from Equifax. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my credit report three times in XXXXXXXX XXXX XXXX, and I only applied once.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts have been compromised or fraudulently opened as a result of the breach. 
The affected accounts are as follows : Account Information : XXXX XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1200.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1900.00} Inquiry Information : 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 Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
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  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I Have been working for over 7 months full time. I recently thought about buying a car so i started looking around, so they tried running my credit and i was denied. didnt think much of it. so i tried other places and i was still getting denied. So i printed my credit from all 3 credit agencies. i was in shock to see all this stuff on my credit. what do i need to do to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
2FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
3 FDCPA Section 807 Violation Misleading False Reporting XXXX  SC Account Number : XXXX Please remove it from my credit report. 
4FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
6 FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
7 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not investigated the following account. " XXXX XXXX XXXX '' I sent a dispute letter to transunion back in XX/XX/2020 As of today XX/XX/2020 I have yet to receive notification of dispute. A violation of FCRA rules section 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out by letter and phone to Experian to update personal information, and so far they have not complied, the address they have listed are old and out dated, and I fair my identity has been compromised because of it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MI XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe ( Reference Number : XXXX I do not recognize this debt and am requesting that you provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. Proof that I owe this debt, including a copy of any agreement or contract signed by me.

2. The original creditor 's name, address, and contact information.

3. A complete accounting of the debt, including how the amount was calculated.

4. Proof that your agency has the authority to collect this debt. 
Until you provide this information, I request that you cease all collection activities. Please note that this letter serves as formal notification that I dispute the validity of this debt. 
Additionally, please do not contact me by phone regarding this matter. Any future communication should be in writing and sent to the address listed above. 
Thank you for your attention to this matter. I look forward to your prompt response. 

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

I was 90 days past due on my student loans back in XXXX because I went to XXXX. I have contacted a credit repair who sent letters. I also asked for my student loans Nelnet to remove this and they wont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 






Please remove these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft. 
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were submitted to all three credit reporting agencies on multiple occasions this year. Santander continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally Santander violated many other Federal laws which entitles me to financial compensation.
Product: Credit reporting or other personal consumer reports

Despite four previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempts to resolve these issues, and I am in desperate need of your intervention.The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the deletion have been made. Kindly help me remove the following items immediately : 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