23daVinci/CFPB_Complaints huggingface dataset:
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 trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

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 )
Product: Debt collection

Multiple calls a day all from credit Corp solutions but each one has a different city and state that the number originated from. They ask for my date of birth and I just hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to process my certified mail dispute and for not complying with the Fair Credit Reporting Act ( FCRA ) regarding dispute investigations. 
I sent a certified mail package to TransUnion to dispute unauthorized inquiries on my credit report, update my current address, and remove outdated or incorrect information. This package was sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This address is listed as associated with TransUnion, and the certified mail receipt confirms it was delivered and signed for. However, when I called TransUnion for an update, I was informed by their representative that they are not associated with this address and had no record of receiving my dispute. 

Under the FCRA ( 15 U.S.C. 1681i ), TransUnion is required to investigate disputes within 30 days. If they fail to complete the investigation within this timeframe, the disputed information must be removed from my credit report. As of now, there is no indication in their system or app that my dispute is being processed.

The issues are as follows : 1. Failure to Process My Dispute : TransUnion has not acknowledged or begun processing my dispute despite confirmed delivery.

2. Confusion Regarding Their Address : The representative denied any connection to the address I used, despite it being publicly associated with TransUnion and the certified mail being signed for.

3. Non-Compliance with FCRA : If TransUnion does not complete its investigation within the required 30-day period, the disputed inquiries must be removed from my report.

I am requesting that the CFPB investigate this matter and ensure TransUnion : Complies with the 30-day investigation requirement and removes any disputed information if they fail to meet the deadline.

Provides a clear and accurate update on the status of my dispute.

Clarifies why my certified mail was not properly acknowledged or processed.

Offers transparent guidance on their dispute processes and designated mailing addresses to prevent similar issues for consumers.

Thank you for your time and assistance. I look forward to your help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

All of these hard inquiries were not authorized and I am a victim of identity theft I would like them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C. 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than
seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose. 

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.
Product: Credit card or prepaid card

I have been actively trying to communicate with Comenity Capital Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Comenity Capital Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Comenity Capital Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.
Product: Credit reporting or other personal consumer reports

Hello, XXXXXXXX XXXX has a nation wide banking error & is reporting business accounts to personal credit report in error. XXXX does not report business credit card accounts to personal credit unless it's delinquent. I talked to XXXX & they apologize for this error & said they would put in a request with the XXXX major credit bureaus, XXXX XXXX, Equifax XXXX XXXX for this account to be removed immediately. However, XXXX 's error is causing extreme XXXX on me because their banking reporting error caused my credit scores to drop 50+ points & I have an over 800 credit Fico score on all 3 bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year>2025 ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, XXXX didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with XXXX that every time I apply for credit, they pull from 2 bureaus both XXXX XXXX XXXX XXXX & I get 2 inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from XXXX 's system errors. Thank You
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 XXXXXXXX Account name : # XXXX XXXX XXXX Account XXXX : # XXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX  XXXX Account name # XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

I am a victim of identity theft. My personal information was stolen and used to get loans and credit. I filed a police report. The following accounts are still on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX There are other accounts still pending review The FCRA is not being followed. I have not been supplied with copies of the verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze with all three credit agencies. Despite my freeze being in place, on XX/XX/21 Experian provided my credit report to XXXX XXXX XXXX for a fraudulent credit card application. Experian has cleared the report on my file, but has failed to let me know why they negligently provided the report while a freeze is in place. 

I want to know why the credit report was provided with a credit place in place. This should not have happened. 

Thanks.
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Product: Credit reporting or other personal consumer reports

I retrieved my credit profile. Upon reviewing I noticed several incorrect accounts. I sent a debt validation letter to each of 3 credit reporting agencies XX/XX/year> regarding late payments accounts in collections and inquiries. I did not receive any response from Experian regarding my XXXX validation letter I sent certified with signature required. XXXX and XXXX did respond with a letter asking for more time to respond to my debt validation letters in which it has now been 60 days over due for a response. I recently sent a Cease and Desist to all 3 credit agencies on XX/XX/year> and XX/XX/year> demanding to take legal action if the accounts was not resolved by the time given in the Cease and Desist letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Submitted Ongoing dispute : XXXX  DISPUTE # XXXX and Seline Finance in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute Seline Finance as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with Seline payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

Seline Finance : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX XXXX  is now servicing my loan as of XX/XX/XXXX. 
On XX/XX/XXXX I recieved notification from XXXX  and Seline that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. XXXX XXXX Balance Owed : {$0.00} - You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately. Thank you. XXXX XXXX XXXX Balance Owed : {$40000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all inquiries and collections
Product: Vehicle loan or lease

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Product: Credit card

On XX/XX/2023 my application was denied for an XXXX XXXX American Express card. Regardless of the reasons that were given for denial, there is currently an uneven exchange of value. According to your Prospectus / trust indenture, my credit application was turned into an asset and deposited as receivables, sold to your Depositor and then sold and pledged to your Trust. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. The bank deposited the asset for cash value and has not returned anything back to me of value. This signifies fraudulent conveyance and an uneven exchange. The application / asset was NOT A GIFT. The prospectus states receivables are being used as a significant source of funding to support the Banks business, including supporting notes the Trust issues to investors. The bank took assets of value from me that are supporting its business and I did not receive a card. Again, this is an uneven exchange. The prospectus also states that all credit acceptances and denials are determined by automated systems. This means my application was never reviewed by a real person or underwriting, therefore, true valuable consideration was never provided to me. Please note that FICO scores or lack of a consumer score has no basis regarding the bank depositing an asset I gave value to, and is not a factor here. To provide equal value, The bank needs to issue the card I applied for with no predefined limits, and my account should be credited each month with the dividend payment from the Treasury coupon. The bank and its affiliates may then continue to utilize any future receivables with no adverse action from me. Please refer to your prospectus, Trust Indenture, XXXX, XXXX, and other forms on file with the securities and exchange commission regarding your fiduciary duties. If equal value is NOT received within ten ( 10 ) days, I will open investigations and claims with ALL of your regulatory agencies for violations of fiduciary duties, file a suit in XXXX XXXXXXXX XXXX, and file Form 3949a listing the Bank and all affiliates listed in the prospectus. The bank may not take value from me without issuing a card in exchange, and I pray this matter will be handled in good faith. Thank you for your attention to this matter -- - XXXX XXXX, XXXX.
Product: Debt collection

Subject : Dispute of Debt and Violation of Consumer Rights Dear CFPB, METRO COLLECTION SVC HAS SENT ME THE SAME AUTOMATED RESPONSE TWICE AS " LEGAL VALIDATION '' WHEN ITS NOT. WITH THE MOST RECENT DISPUTE BEING CLOSED IN 12 HOURS WITH THE SAME INVALID DOCUMENTATION AS A RESPONSE IS A CLEAR VIOLATION OF THE FCRA WHICH MEANS THEY MUST REPORT THE ACCOUNT IN MAXIMUM ACCURACY!

I am writing to formally dispute any and all debts AND DEMAND A FAIR INVESTIGATION TO BE CONDUCTED. IVE ATTACHED ALL PROOF OF THEIR AUTOMATED REPSONSES AS WELL AS ME DEMANDING A FULL INVESTIGATION WHICH THEY CAN NOT PROVIDE TIME AFTER TIME..

METRO COLLECTION SVC Address of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX : Acct # XXXX claim I owe. I assert that you are in violation of my consumer rights under the following laws : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n 15 U.S.C. 1681 ( i ) ( 2 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) 12 CFR 1006.34 ( d ) 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have reported this collection on my credit report. I have not been given a proper opportunity to dispute the account, violating 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Additionally, your communications have involved false, misleading, and deceptive practices, infringing on my rights. You lack the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures, which is a clear violation of the above statutes.

Furthermore, I hereby revoke any permission for you to communicate with me via email, text, or phone calls. I request the following : Debt Validation : Provide documentation verifying the debt.

Purchase Agreement : A copy of the agreement between METRO COLLECTION S
VC and the original creditor XXXX. 

Licensing Proof : Evidence that METRO COLLECTION SVC are licensed and bonded to collect debts in my state.

And according to this law METRO COLLECTION SVC are suppose to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( ii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 METRO COLLECTION SVC suppose 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. 


Please respond to this letter with confirmation that the account is deleted. Thank you
Product: Debt collection

COMENITYCAP/XXXX


Contact XXXX XXXX XXXX XXXX, OH XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.