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

In accordance with the Fair Reporting act 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, credit repair services, or other personal consumer reports

These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Closed XXXXXXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX XXXXXXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

there is a collection account with the following details : Account Type : Open Account Date Opened : XX/XX/year> Account Status : Closed Balance : {$6500.00} Payment Status : Collection account Last Reported : XXXX am disputing this collection account based on the following grounds : The account status is listed as " Closed, '' indicating that the account is no longer active. However, it is reported as a collection account, which is contradictory and misleading.The collection account status is impacting my credit negatively. However, there is no clear explanation or validation provided for the debt, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). [ Include any additional reasons or details supporting the dispute of this collection account. ] I request a thorough investigation into this matter to verify the accuracy and validity of the collection account. If it is found to be inaccurate, unverifiable, or misleading, I demand that it be promptly removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as required by law.Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an email from Experian stating that I have placed an " Extended Fraud Victim Alert ''. I have never authorized this to be placed on my report. I spoke with a representative named XXXX from Experian on XX/XX/2021 at XXXX PST to inquire about this fraud alert. I stated I never authorized this action and he said " it didn't matter because there is nothing I can do ''. He told me that I would have to mail them documents and prove myself in order to lift this Fraud Alert. He did not provide information as to when I requested this alert or the process taken to make this happen. This constitutes aggressive Identity Theft on the part of Experian. They are unwilling to fix an issue that they created. I have been attempting to fix many violations and this is an additional one. It is becoming a clear pattern of harassment on the part of Experian for violating my rights. Pursuant to 15 USC 1681b ( a ) ( 2 ), I have never given Experian written permission to place a " Extended Fraud Victim Alert '' or furnish " XXXX XXXX XXXX XXXX '' onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXX 






I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Credit Bureau is refusing to investigate or replay with same answer.
Product: Credit card or prepaid card

Beyond the last few months I had a perfect payment history and take paying my bills seriously. I recently lost my job and was going through severe financial hardship even losing a place to live so I have not had the money to pay my card with Capital One. I spoke with multiple representitives pleading for any other options or things they could do to not put negative remarks on my credit or work with me and was told they could not do anything whatsoever about late payments. This has resulted in my credit dropping over 50 points and has destroyed my ability to get any type of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX, One Main Financial and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Debt collection

I am writing to file a complaint against Ability Recovery Services Collection Agency who has failed to investigate fraudulent accounts opened under my name at a school that I've never attended. This school is an online program which I have never attended nor signed up for education. They have added ( 2 ) account to all ( 3 ) credit bureaus and even after sending proof of police reports and identity theft, as well as disputing these accounts, they have failed to remove them from my credit reports. The accounts are {$370.00} and {$460.00} and are hurting my ability to obtain credit. 

I have been since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX. I did not sign up for any educational services with XXXX XXXX as I am a current XXXX XXXX  at XXXX XXXX University and have been since summer XXXX, enrolled in a XXXX  program which requires a XXXX XXXX, which I obtained in XXXX from XXXX University where I initially enrolled in XXXX of XXXX. This can be verified thru the XXXX XXXX XXXX or by contacting either university directly. 

With that being said, I have absolutely no reason to sign up for any services with XXXX XXXX as Id already had ( 2 ) XXXX degrees ( during the time youre stating I was enrolled at this school ) and will be graduating soon with a XXXX XXXX. There is absolutely no way I could have combined universities with the workload I carried during my XXXX classes at XXXX University as I was already a XXXX XXXX taking XXXX credits per term. Whoever signed up for classes with this school did so in a fraudulent manner. 

I am requesting that this agency investigate this matter and correct this as soon as possible as this is hurting my ability to obtain employment in my field of degree.
Product: Credit reporting or other personal consumer reports

It is of utmost importance that prompt measures be taken to prevent the usage of fraudulent accounts that have been bought to light as a direct consequence of the Equifax data breech/identity theft. In light of ongoing investigation by the federal trade commission it is incumbent upon us to comply with regulations laid down in the fair credit reporting act section 605B, which mandates the blocking of such information until the investigation is concluded. As such, it is imperative, that we take Swift and decisive action to protect our customers and uphold our commitment to compliance and security. Continue unauthorized inquiries XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX via dealer XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Credit Human FCU-DIR XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's XXXX grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have reached out to have these unauthorized inquiries removed ; however, this company will not respond or make adjustments.To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry on these dates. This violates the Fair Credit Reporting Act, Secti on 1681b ( c ) :  Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied.     I have attached the documentation I sent to the company. I have no open accounts with them. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order
Product: Mortgage

I received an email today, XX/XX/2022, from Suntrust now Truist regarding my annual escrow analysis. There was a PDF attached which provided a breakdown of the options ( pay shortage in full, increase payment to cover the shortage ). Fine. 
Nowhere on the PDF did it say WHEN this had to occur by ( keeping in mind that my next monthly payment is due XXXX 1-did i have to do this in a week? ), nor was there a coupon attached as the notice said there was. Very frustrating due to the lack of details. 
I called the company and they indicated there was not going to be any coupon mailed. I could : 1 ) use the PDF to accompany a check and mail the payment in or 2 ) use my monthly mortgage statement ( which was my idea, not theirs ). I can see this is going to a servicing nightmare for them! 
For something so important to most people-the mortgage on their home-this email from Suntrust now Truist was stunning in its lack of detail-no due date for when to pay the shortage nor how to pay it as the referenced coupon is non existent. 
The company rep I spoke with provided all the relevant information. Imagine how much time Suntrust now Truist would save if they actually sent out a complete notice replete with due dates and coupons. I am not happy with their statement and how it was delivered, but I was able to obtain the information I needed.
Product: Debt collection

Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. 

The most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXX BANK XXXX # XXXX XXXX Closed ) XXXX XXXX XXXX BANK # XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXX XXXX  XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX XXXX XXXX  XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX  XXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan and was under the impression there would only be 1 inquiry produced from it. However, it produced many inquiries on different dates and times. These are the companies listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED Credit Bureau Inquiries XX/XX/XXXX Experian US SM BUS ADMIN ODA FederaXXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to MRS BPO, L.L.C. and XXXX XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX  XXXX Account Number : XXXX Bal : {$620.00} XXXX. XXXX Account Number : XXXX Bal : {$14000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.