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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XX/XX/XXXX XXXX XXXX, Tranunion, XXXX Date XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} Dear XXXX, Transunion, XXXX You are reporting Unverifiable inaccurate , incorrect information on my XXXX, Transunion, XXXX credit report. The reporting of such information has created severe damage to my character, my reputation, and general mode of living and my ability to obtain credit for personal and housing purposes. 

You and your in accurate reporting have damaged my livelihood. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt you are reporting on my credit profile. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ).

15 U.S. Code 1692g - Validation of debts.

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt under the FRCA and FDCPA regulations. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Contract With My Two Wet Signatures Promissory Note Validating The Debt Belongs To Me If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting or other personal consumer reports

Subjet : Removal of Disputed Account To whom it may concern, I am writing to formally dispute a collection account on my credit report, which is being reported by XXXXXXXX XXXX XXXXXXXXI am exercising my rights under the FCRA law, specifically the provisions outlined in Section 611 regarding the accuracy of information. Upon reviewing my credit report, I noticed the presence of XXXX XXXX XXXXXXXX dated open XXXX XXXX. I have never entered into any contractual agreement with XXXXXXXX XXXX XXXXXXXX. I did not authorized or gave my consent to them to act on my behalf in any financial matter. This claim is erroneous and I have sent XXXX and XXXX a cease and desist letter. I am requesting the credit bureaus to provide me with the complete documentation they received from XXXXXXXX XXXX  XXXX regarding this alleged debt and a signed contract with my signature that bears my name on it. If the credit bureaus can not produce the information to me, they shall promptly remove the disputed accounts from my credit report within XXXX days. I am also disputing XXXX XXXX XXXX legal authority to collect a debt in my state. I am not liable for for the debt in question. I never received any goods or services from XXXX XXXX XXXX. XXXX XXXX  XXXX is inaccurate and violates the provisions of the FCRA. I am prepared to all necessary legal rights if this dispute is not handled in accordance with the provisions of the law. I have sent in all the proper documentation to get this account removed. 
Tracking Number:XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiries below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. Delete the inquiries below : Creditor Name : XXXX, Date of inquiry : XX/XX/2023. TransUnion. 
Creditor Name XXXX XXXX XXXX, Date of inquiry : XX/XX/2023. TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or  XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Selene finance is duel tracking.I applied for loan assistance over 30 days ago and my sale date was postponed.. They stated that they have my file and its been reviewed. They stated nothing else was needed. Then they came back and stated that because of the NEW sale date that they will no longer review my file. How can they state One thing and then state another that contracdicts themselves. Per the consumer financial protection bureau that is considered dual tracking. My husband XXXX XXXX and I am in need of assistance for me and my children at this point this is completely unacceptable. They had more than enough time to review my file because they had already started the process. They need to be held accountable for the fact that they want to take the property, after he was already in review for assistance. 

Strong Protections for Struggling Borrowers The CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure. Borrowers shouldnt have to worry about mortgage servicers cutting corners or losing applications for relief. They should be told about their options and given time to apply and be considered for loan modifications and other alternatives. Most of all, they shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. If they act diligently to seek alternatives, they should not face a foreclosure sale before their applications have been evaluated. The new protections for struggling borrowers include : Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  credit acceptance closed my account with me still making payments after they had closed the account then on XX/XX/2019 XXXX the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from XXXX Yesterday after fight with them all this time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against TransUnion for violating my FCRA rights and my privacy. They have placed XXXX public records on my consumer report that should not be there : Public Record - XXXX XXXX XXXX XXXX Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX I reached out to the courts who verified that they do not report XXXX to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately.

The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items is a clear violation : Public Record - XXXX XXXX XXXX - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX  - Reference # XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my TransUnion credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian failed to their proper investigation once again and says that I have to reach out to the creditors. The creditors will not give me any information on these accounts because THEY DO NOT BELONG TO ME. Experian needs to do their due diligence and look into these accounts I've disputed and not just give me a computerized response. 

I need method of verification I need to know why they keep updating the accounts and marking them as verified without giving me the consumer how they came up with that conclusion. 

These accounts are ruining my good name and need to be deleted asap!
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX$510.00}. 
XXXX. XXXX XXXX XXXX {$500.00} ( collection account ) XXXX. XXXX {$7800.00} XXXX. XXXX XXXXXXXX XXXX {$45000.00} XXXX. XXXX XXXX XXXX {$5300.00} XXXXXXXX XXXX XXXX XXXX  {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I recently had a name change and I tried to call Exeter to inform them of my name change. As usual Exeter will not take any of my information down correctly. I informed them back over the year XXXX that I was struggling to make payment because I became ill in XXXX from XXXX. I only receive {$4100.00} a month. I have tried sending them my XXXX, Veteran Affairs Award letter and they did not want to assist me. I am an unemployed totally XXXX percent disable Veteran with XXXX, XXXX XXXX XXXX, fluctuations of XXXX levels, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. The back an forward with Exeter is aggravating my XXXX XXXX. Exeter Finance still has me listed in the systems as working and did not take the car back I tried to surrender over half a year because they were listening to XXXX XXXX XXXX, a person who didnt make one payment on the vehicle and they did mot tell me any of this. I feel as if I have been discriminated against and treated unfair and without dignity.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX This is my third attempt to have this issue resolved. 
I am writing to formally dispute the inaccurate and harmful information regarding my account with XXXX/COMENITY/SEPHORA that appears on my credit report. After thoroughly reviewing the account details, I believe there are several errors that not only violate my rights under federal law but have also caused significant XXXX XXXX. I request the immediate removal of this account from my credit report. 

Issues with Account Reporting : Inconsistent and Inaccurate Charge-Off Reporting : The account is reported as charged off with a balance of {$460.00} written off in XX/XX/XXXX. However, the account is continuously marked as charged off through multiple months in 2023 and 2024, which is inconsistent with standard reporting practices. Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, this inaccurate and inconsistent reporting is a violation of my right to have only accurate and complete information appear on my credit report. 

Failure to Verify Information : The discrepancies in the reported charge-off status and payment history indicate that proper verification may not have been conducted. Under FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to verify the accuracy of any disputed information. The extended and repeated charge-off reporting should be investigated, and if the information can not be verified, it must be removed from my report immediately. 

Misrepresentation of Past Due Amounts and Balance : The report lists varying past-due balances and a continuing charge-off status over multiple months. Under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e, it is unlawful for creditors or collectors to misrepresent the nature or status of the debt. The ongoing charge-off reporting may violate this section of the FDCPA by misleadingly suggesting that I am repeatedly defaulting on the debt, which is inaccurate and harmful to my credit standing. 

Failure to Update Account Information : There has been no indication of recent payments or updates to the account balance, further suggesting a violation of FCRA ( 15 U.S.C. 1681s-2 ), which mandates that creditors report accurate, complete, and up-to-date information. If no recent activity has occurred, the account must reflect this accurately and not list repeated negative actions over the past XXXX years. 

Request for Removal and Relief : Due to these violations of the FCRA and FDCPA, as well as the resulting stress and hardship this situation has caused me, I respectfully request the immediate removal of this account from my credit report. The inaccuracies, inconsistencies, and failure to follow proper reporting standards have not only hurt my credit score but have also caused significant XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXXXXXX XXXX is a Debt Collector in accordance with the FDCPA XXXX USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
Product: Credit reporting

transunion has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX. These are closed accounts but has otherwise been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX XXXX XXXX and Equifax immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX