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

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX 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 recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act APPLE CARD XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account underman open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to lodge a formal complaint against XXXX and Experian for their continued negligence and failure to remove fraudulent addresses associated with my credit profile despite my repeated requests. This oversight has caused significant discrepancies in my credit report and has raised concerns over potential identity theft and financial fraud. 

Details of the Complaint : The addresses listed below have been falsely associated with my credit profile, and I have no connection to these locations. Despite multiple communications and formal requests to both XXXX and Experian to correct these errors, the addresses remain on my credit reports, which misrepresents my financial history and personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 addresses have been erroneously linked to my personal credit report, and their inclusion suggests a breach of my personal information and a significant lapse in data accuracy standards required by federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

Fair Credit Reporting Act Violations : Under the FCRA, I am entitled to have accurate and verified information on my credit report ( 15 U.S.C. 1681e ). Both XXXX and Experian have failed to comply with these provisions by not adequately investigating my disputes and by continuing to report inaccurate consumer information. 

Request for Action : I hereby urge the Consumer Financial Protection Bureau to intervene on my behalf to : Ensure the immediate removal of these fraudulent addresses from my credit profiles maintained by XXXX and Experian. 
Conduct a thorough investigation into the practices of these credit reporting agencies to prevent recurrence of such issues. 
Consider appropriate penalties or corrective actions against XXXX and Experian for their failure to adhere to the FCRA requirements. 
The persistence of these inaccuracies in my credit report is not only a direct infringement of the FCRA but also poses significant risks to my financial stability and personal security. It is imperative that this issue be resolved promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. XXXX  is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how XXXX got the information to report it.
Product: Credit reporting or other personal consumer reports

I contacted XXXX regarding the freeze lift and it has yet to be done and also the credit bureaus are reporting incorrect credit information. All three bureaus are consistent with there reporting. 

Since file a case of XXXX these XXXXXXXX XXXX have gone above and beyond to make my life a XXXX XXXX 

Please, call you assist me with this please.
Product: Vehicle loan or lease

I have too many inquiries on my credit history that I dont recognize. During XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 45 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache.
Product: Credit reporting or other personal consumer reports

I settled a debt with the creditor XXXX from XXXX and told me they will change the status to settled in full but shows a balance on my credit report please fix this issue its inaccurate and please report this problem to all of the 3 bureaus XXXX XXXX and XXXX have them change the account status on my credit report or Ill take legal action!!
Product: Credit reporting or other personal consumer reports

15 usc 1681 violation.

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

My name is XXXX XXXX not : XXXX XXXX XXXX XXXX These are not my addresses and I have no knowledge of these addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 My identity was stolen and I did not inquire with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This hard inquiries do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received negative reporting from Upgrade ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ ) Between XXXX and XXXX of XXXX, Upgrade is reporting my status as 30 and 60 days delinquent on XXXX XXXX and XXXX. XXXX shows XXXX as 30 days and XXXX as 60 days, XXXX shows XXXX as 30 days and XXXX as 60 days. 

This matter was brought to the attention of XXXX who then provided email confirmation recognizing that the delinquency was incorrect. XXXX was updated however the other bureau 's were not. 

On XX/XX/XXXX I entered into an agreement to pay {$180.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for account number XXXX. All three of these payments were made and proof is attached. 

The XXXX payment was made on XX/XX/XXXX when I spoke to the representative. The XXXX payment was made on XX/XX/XXXX and the XXXX payment was made on XX/XX/XXXX. None of these payments were 30 or 60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for verification and XXXX, Equifax, and XXXX  not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and XXXX, Equifax, and XXXX  just keep updating even though I have shown them the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted information showning that there has been false reporting on all three credit unions. They ignored faire credit report act, faire credit billing act and Texas credit law section. I've asked for of debit under 15 USC 1681 e ( b ) and 15 USC 1681 i of false reporting not 100 % accurate information. Section 16.004 of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is XXXX years. They have ignored my fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ) by federal law to, verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report. Anyone paying for reporting services could fax, mail, or email fraudulent account. They failed to send back any physical proof of debit or validation of debit. All three bureas have failed to comply to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX  account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Debt collection

RE : XXXX Employee No. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Claim No. XXXX XXXX   Dispute Report No. XXXX XXXX Dispute Confirmation No. XXXX XXXX   Dispute File No. XXXX On XX/XX/XXXX I had a telephone discussion with Ms. XXXX XXXX XXXX, Disability Specialist with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. operating on behalf of my employer, XXXX XXXX ( I.e. XXXX XXXX XXXX XXXX ). Our primary topic was the {$2000.00} alleged overpayment from XXXX to me, based on XXXX XXXX   data indicating I somehow transitioned from XXXX XXXX XXXX to XXXX XXXX XXXX during XX/XX/XXXX and an overlap occurred of the two XXXX payment types ( XXXX vs. XXXX ).

I neither applied nor transitioned to XXXX XXXX XXXX and XXXX XXXX cancelled XXXX Claim No. XXXX on XX/XX/XXXX.

I never received XXXX and XXXX payments simultaneously, as I never received any XXXX payments at all.

My explanation during the call with Ms. XXXX was as follows : XXXX Looking at Spreadsheet 2 ( XXXX   ), Column H, notice that the pay period of any XXXX  Payment Voucher listed does not go past XX/XX/XXXX, which was the end date of my XXXX period. However, my XXXX claim was denied by XXXX / XXXX XXXX on XX/XX/XXXX and all payments cancelled at that point. The denial was overturned on appeal XX/XX/XXXX and all XXXX payments up to XX/XX/XXXX were supposed to be completed as soon as possible thereafter.

XXXX did not commence a XXXX period or XXXX payments on my behalf during XX/XX/XXXX as no application forms and medical records were submitted to XXXX  and I immediately requested XXXX  to stop the XXXX -> XXXX  transition anyway. There is {$18000.00} worth of XXXX payments in Spreadsheet 2 that XXXX   Payroll has never disbursed to me, and XXXX XXXX / XXXX  appears unaware or unconcerned about this non-payment. Thence, the XXXX  Salary Plan did not overpay me by {$2000.00}.

( Please review attachments XXXX -and- XXXX. ) XXXX Ms. XXXX concurred with my explanation ; XXXX XXXX cancelled & removed the {$2000.00} from debt collection. On XX/XX/XXXX, however, XXXX XXXX reactivated the {$2000.00} amount and assigned it to Adler Wallach & Associates , Inc. ( AWA Collections ). This action significantly compromised my ratings with all three credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX as well as with XXXX XXXX XXXX ( XXXX ). I disputed the AWA Collections account with all three credit bureaus during XX/XX/XXXX. XXXX XXXX deleted this account from my XXXX credit file on XX/XX/XXXX as a result of their investigation of my Dispute. However, XXXX  and XXXX  decided not delete this account, with no specific explanations.
Product: Mortgage

I have applied for a refinance of a loan with Vectra Bank since XX/XX/2019 and I have not been given consistent loan status after 6 weeks. I am entitled to a consistent loan status.
Product: Vehicle loan or lease

Car loan opened without my consent, contacted Capital One Auto Finance with certified mail requesting the contract and or agreement as I also disputed with them. No response.
Product: Credit reporting or other personal consumer reports

I have tried again to dispute items on my credit report TransUnion and yet again they come back with. They don't have to dispute it again when my information is clearly incorrect. What is my recourse here? How can they deny you the ability to request your own dispute? This should not happen. I don't have any information to submit because number XXXX. The company is no longer in business and number XXXX. There's nothing to submit. It's it's wrong. The information is wrong and they should not be telling me they don't have to dispute it. And so if nothing is resolved I will continue to file complaints
Product: Credit reporting or other personal consumer reports

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, Equifax and XXXX after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX through US Auto Sales around XXXX of XXXX. Within the first 30 days of me having the vehicle I ran into many problems with the vehicle. I was responsible for paying more than {$3000.00} in repairs for the vehicle and I am still making repairs. I was told that the warranty on the vehicle no longer stands because the company has gone out of business. I am left with a dysfunctional car and still responsible for paying on it. I am an XXXX XXXXXXXX XXXX XXXXr so my transportation is needed for my day to day activities and duties and this has caused so many problems with my work and personal life.
Product: Debt collection

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Union 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Trans Union complies with the necessary proof of investigation. 

XXXX XXXX Missed Payment ( was never late ) - XXXX XXXX Missed Payment ( was never late )
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.