23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the accuracy and completeness of the information reported by your company on my credit report. Specifically, I recently received a redacted sale agreement that fails to provide sufficient details to validate the debt, as required by the Fair Credit Reporting Act ( FCRA ). 

Pursuant to the FCRA, I am requesting that you provide full and detailed verification of the debt in question. This includes : A complete and unredacted copy of the sale agreement and any accompanying assignment contracts that show the chain of ownership and the authority to collect this debt. 
Documentation demonstrating that the debt is valid and that I am the correct debtor. 
Proof that your company has the legal authority to report this debt to the credit reporting agencies. 
Under the FCRA, you are required to investigate my dispute and provide me with the requested information within 30 days. If you are unable to provide proper verification, you must cease reporting this debt and inform the credit reporting agencies to remove or correct the inaccurate information. 

Please be advised that failure to comply with these requirements may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA. 

I look forward to your prompt response and the necessary documentation to resolve this matter. If you have any questions or require additional information from me, feel free to contact me at the phone number or email address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third party agency. Please see the following documentation and meet my requests in a timely fashion. Thank you for your timely compliance.
Product: Credit reporting or other personal consumer reports

I UPLOADED PROOF O F IDENTITY AND ADDRESS ALONG WITH FTC AFFIDAVIT : identifies as information that resulted from an alleged identity theft, not later than 4 business days after ( BY LAW EQUIFAX, XXXX and XXXX IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : 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  These adresses do not belong to me. Please delete it from my credit report.

2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this compromised information removed from my credit file to prevent further misuse.

The following account should be blocked and deleted XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Opened : XXXX Balance : {$1500.00} Additionally, I request the following inquiries be blocked and removed : XXXX. RXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX XXXXXXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX, XXXX ACCOUNT # XXXX has violated my rights. 

Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A 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

I

n 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. has violated my rights. Or a 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a copy of my XXXX consumer report from Verisk. OnXX/XX/XXXX, I contacted the consumer reporting agency to dispute the information listed on the report, specifically, claim dated XX/XX/XXXX. I was told the reporting agency contacted the furnisher ( XXXX XXXX ) and it was determined that the information reported is accurate. In the meantime, I contacted the furnisher ( XXXX XXXX ) and was provided a letter that states the information listed on the report is NOT accurate and has been changed from a claim to an inquiry and that the information has been removed from their records and have initiated the process to have it removed from my public record. On XX/XX/XXXX, I spoke with a representative from Verisk that stated the inaccurate information will remain on my public record for 5-7 years, and the insurance companies only look at the last 5 years. This is not acceptable! Under the Fair Credit Reporting Act, inaccurate information must be removed. Consumer are being penalized for inaccurate information reported by this reporting agency.
Product: Debt collection

I recently paid a debt and thought that by paying them they would be removed from my credit report. How can I get them removed?
Product: Credit card or prepaid card

The problem started when I bought carpet for my house and placed it on my card. First, they over measured and over charged me for the carpet. They stated they would come pick up the extra carpet and credit my account but didn't. I purchased the carpet under a promotion where I had to pay it off within 18 months without interest. I paid the account off in XX/XX/2021. I went into my account to purchase some paint and found out they closed my account. I called credit services and was told that I closed the account, which I did not do. I then checked my credit report and found out my credit score dropped 6 points from them closing my account. I sent them a letter stating my dissatisfaction with the way they handled my account. The response i got again was that I closed my account and no other charges could be made. I did not authorize or request for my account to be closed.
Product: Credit reporting

I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

First, they make it known the calls are recorded. The week of XX/XX/2024, I called Ally bank to ask for payment assistance. I could not work full time when I was in XXXX XXXX  so it set me back with some bills as I am the only one financially supporting my family. Ally stated they could help if I made a full car payment by the end of the week as well as an additional {$65.00} and some change by this past Tuesday. I did exactly that and tried to call them soon after for the extension. My calls were picked up and then I was hung up on. I was finally able to get someone today and they told me sorry they told you that but I didnt qualify for the extension. Why lie to me and then as I mentioned to them the calls are recorded. The agent even said he was notating the account for the payment arrangement and they are no honoring what was told to me.
Product: Money transfer, virtual currency, or money service

This is concerning complaint ID XXXX XXXX. 
Citibank was suppose investigate this matter further & it would take 30 days & I would received a response by mail. I received a telephone call yesterday XX/XX/year>2024 from Citibank fraud department telling me that my claim is still being denied. They feel because I was on Citibank app that the scammers got my account information. I told them they were sent police report & I was manipulated & scammed in to making a domestic wire transfer to perpetrater account without my consent, knowledge & authority. I told them money in a bank should be insured. I also said this should have raised red flags with Citibank staff & this transaction should have been questioned by them. Citibank fraud department cant seem to give me an answer as to why no questions were raised about this transaction. 
It looks like this case may have to be settled in civil court. I would appreciate if you could refer me to a lawyer that handles these types of cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello, im just asking for my rights here, they dont want to report this account to at least one of the major credit bureaus, which is illegal not to do it, i have called like 3 times and they dont call me and once they told me they not doing that, the main purpose of this loan was because i wanted to hace this payment history on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

violations reported on File Number # XXXX 1 - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

2 - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. 
Dear Transunion : XXXXI am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Transunion also has neglected to correct my profile which clearly shows to be a mixed profile which TransUnion refuses to fix. 
-This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
Note : As of XXXX  CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this account.. 
1. DEPT OF ED / XXXX ( {$39000.00} ) Transunion previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
1. ) Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account. 
2. ) Date Open/Date Close : This two key informations are not being reported why? 
If the true open date was verified by Transunion via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported? 
3. ) Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet XXXX is reporting XX/XX/XXXX to be 120 days past due. 
4. ) Delinquency First Reported : this data is missing 5. ) Scheduled Payment : This data is not being reported, Transunion neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. 
6. ) Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile. 
7. ) Missing payments : No payments are being reported, but if I was late I am sure Transunion would report that.
Product: Debt collection

DEAR UNITED CREDIT AND COLLECTIONS ; UCC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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
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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 on my experian report, Meridian Financial Services reported two items placed for collections for {$3300.00} and {$1100.00} both of which are inaccurate. I have had no contact or communications with XXXX XXXX XXXX ( the original creditor ) dating back well over seven years from XX/XX/2019. To report delinquent information beyound the 7 year mark is beyond the statue of credit reporting. The information has negatively impacted my credit and is inaccurate and should not have been reported in XXXX. Additionally, statue of limitations is six years in MA. I would like to get this resolved and removed from my credit as being current.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with documentation that was used to verify the accounts I previously disputed. Because TransUnion has exceeded the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' of the information I disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX  XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.