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

XXXX XXXX XXXX XXXX  XXXX, Pa XXXX Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

ADDRESSES I NEVER XXXX XXXX XXXX # XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file XXXX Please DELETE THEM Account Name__XXXX XXXX XXXX  Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name__XXXX XXXX  XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT_________________________ Account XXXX
Product: Credit card or prepaid card

***CFPB - DO NOT CLOSE AS " DUPLICATE '', THIS IS THE SAME BANK BUT A DIFFERENT ACCOUNT***!!! 

On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I received an email from XXXX XXXX stating that they were closing my account because of past due accounts on Experian. That information is incorrect. I have fraud alerts up and down my credit report stating that I have been a victim of fraud for over 5 years. Also XXXX  has an account from XXXX XXXX reporting as a collection account on my report that is fraudulent. I have been back and forth for years over various accounts that are fraudulent and I am tired. I need XXXX XXXX, removed off of my report. I need any other collection accounts removed off of my report. I need any addresses that are not XXXX XXXX XXXX XXXX, GA XXXX removed off of my credit report. I need phone numbers that are not XXXX removed off of my report. I need other names that are not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX removed off of my report. I am not happy with this and I am looking at filing suit. I need experian and XXXX  to remove any and all delinquent accounts from my report asap. I need them to send me an updated report in the mail reflecting that change. Also, for some reason, Experian will not let me see my report online and I don't understand why. I have tried calling that useless XXXX number and all I get is a recording that will not allow me to speak with a representative. Please fix that.
Product: Debt collection

Credence sent a letter to my billing address with a detailed bill explaining what I owed XXXX. I promptly paid, and proof of payment as well as posting of that payment are attached. Credence continues to harass me with phone calls at all hours of the day and night coming from different unlisted phone numbers. 

Its worth noting that XXXX sold this account to Credence after being reported to CFPB repeatedly for violating the Fair Credit Reporting Act in their previous collection attempt, in which they never provided a detailed bill or sent any notice whatsoever to my billing address. 

Since this account has been paid in full, I am asking that XXXX  CEASE and DESIST all collection attempts.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) XXXX XXXX XXXX To whom this concern is received a car loan and I surrender the car so with that being said they auctioned the car off and left me with a balance but the people they referred me to didn't have the correct information for me. 

2 ) XXXX XXXX XXXX They was another loan place that turned me down for a car loan and it's 2 hard hits on XXXX it was 4yrs ago 3 ) Student loans are in forgiveness and still showing up on the transunion XXXX ) Child support needs adjustment the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, Transunion, and XXXX to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - XXXX, Transunion, and XXXX have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail
Product: Credit reporting or other personal consumer reports

I am writing to file my second formal complaint against Equifax, a credit reporting agency, regarding the unverified accounts listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have made multiple attempts to resolve this matter directly with Equifax, but their response has been unsatisfactory, prompting me to escalate this issue to your respective agencies. 

On XXXX I submitted a written request to Equifax, requesting the removal of the unverified accounts from my credit report, as required by 15 U.S.C. 1681. Despite this legal obligation, Equifax responded by stating that the accounts were " reported correctly '' and had been verified. However, they failed to provide any substantial evidence or documentation to support their claims. 

I have also requested specific information from Equifax regarding the individuals or businesses involved in the verification process, including their names, business addresses, and telephone numbers. Furthermore, I inquired about their failure to provide me with copies of the verification, as per my request. Unfortunately, Equifax has not adequately addressed these concerns or provided the necessary documentation required by Section 609 & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA.

Based on current case law, it is evident that credit reporting agencies bear the responsibility of ensuring the accuracy of the accounts they report on. Merely parroting information received from other sources does not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA.

I firmly believe that Equifax 's noncompliance with the FCRA constitutes a violation of federal law and exposes them to potential civil liability. As a result, I am considering pursuing legal action to enforce my rights under the FCRA. I am aware of the remedies available for negligent noncompliance, as outlined in Section 617 of the FCRA.

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax to ensure compliance with the FCRA. Additionally, I urge your agencies to address the issue of unverified accounts on credit reports to protect the rights of consumers.
Product: Credit reporting or other personal consumer reports

The following accounts where removed from my credit reports but where put back onto my accounts the accounts are closed and where forgave under the Biden law I would like these accounts off my credit report Credit acceptance XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Student loan

I cosigned a loan for a nephew which he defaulted on. I agreed to pay XXXX XXXX $ XXXX and have paid between $ 48- {$100.00} per month since XXXX 2010. When they switched their name to Navient they were no longer honoring our agreement and kept calling me daily to try to get me to bring the loan up to date for {$390.00} that I did n't have. They kept threatening to send my loan to a collector. I continued to pay monthly and send extra whenever I could. Last month my father was very ill and died on XXXX XXXX - I forgot to send them the XXXX} but on XXXX XXXX when I remembered I sent them {$100.00}. On XXXX XXXX I received a letter from a debt collector which was dated XXXX XXXX. The original agreement I had with XXXX XXXX was that I would send payment on the XXXX of the month, therefore my payment was n't even a month late. They did not send me a notice. Can they do this to me? I have been paying since 2010 consistently and did not give them any reason to think that I was not going to finish paying for my nephew 's loan. Also, my nephew had another loan that I did not cosign and he told me that he sent various payments and asked XXXX XXXX to apply it to the loan where I had cosigned. They also on several occasions applied some of my payments to the wrong loan. I asked them to send me a full accounting but they refused to send me any information on any payments my nephew made. Do I have the right to audit the XXXX accounts and should n't there be some protection for cosigners so that if the original borrower does make payments that it should go towards the loan that has a cosigner on it before going to the loan that is only under the original borrower 's loan? Please help me, this is n't even my own child and these people have been incredible rude to me. Calling me every single day when I was paying what they agreed I would pay every single month for the last 5 years.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act this creditor violated my rights under 15 US C 1681 a I have the right to privacy. After careful review of my credit report I noticed several inaccurate information and also saw accounts I have no knowledge of I did submit disputes on all accounts that I viewed as being fraudulent and requested they be removed Because of the mistakes on my credit report I have been wrongfully denied credit and also denied for apartment rental screenings which was extremely embarrassing and negatively impacted my lifestyle. I asked these credits to provide me with written consent from me with my signature and address which I never got back from them all I saw on the report was my dispute was denied and deemed accurate which is not the case there are addresses and places Ive never lived on these reports. 

Report # XXXX Acct XXXX Creditor XXXX XXXX XXXX This account is listed as being late more than 90 days I account does not belong to me. 
Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX This account is listed as being more than 90 days late this account does not belong to me. 

XXXX XXXX XXXX  Acct # XXXX This account is listed as being more than 90 days late this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.Transunion and XXXX  is reporting a fraud account from XXXX XXXX  that was opened on XX/XX/XXXXTransunion is incorrectly reporting that my name is XXXX, XXXX, XXXXTransunion is incorrectly reporting addresses of XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX  and XXXX  is reporting a XXXX/XXXX  account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX  Account, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXXon my XXXX XXXX  Account, please remove these inaccurate lates.XXXX  is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX  is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2017, I sent a letter to Receivables Performance Management ( RPM ) collection agency, requesting they ( RPM ) VALIDATE, not VERIFY a debt that they ( RPM ) is trying to collect from me. I specifically stated " Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I requested RPM to send me, in addition to a signed a signed agreement, the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM sent me a billing statement which does not, BY LAW, meet the requirements to validate a debt. RPM has reported delinquent information to the credit bureaus. I am requesting the delinquent information to be deleted from my credit reports immediately.
Product: Mortgage

I requested information from my mortgage company to provide to NYS Housing Map. 
The application was approved by the state to assist in providing financial assistance for default taxes. 

The state has requested information from the mortgage company and to date has not received it. Once the mortgage company provides the state with the information needed, the state will payoff the default amount of taxes to the mortgage company. 

I have contacted executive services several times and no one will return a call. 
This situation now puts my residence in jeopardy of foreclosure because of the banks lack of information to provide to the state.
Product: Checking or savings account

I contacted Card.com on XX/XX/year>. Shortly after the last purchase was made and I noticed the ongoing transactions. I reached out to the merchant to try to resolve it first and made sure they were aware I had not had an account with them in 2+ years but they were unwilling to find a resolution even though when I contacted them I provided my name and information and it didnt match the information on the account. They only based it off if the card was used around the location of the address associated with the account. 
I had been using tap to pay because its not uncommon for my kids to move my cards from where I usually put them and sometimes it takes me a minute to find them so that was what I assumed had happened and figured it would turn up. I realized that was apparently not what happened and I must have dropped it somewhere and not realized it when I looked and saw the charges. When I notified my bank of the fraud, I included all of this information. And they denied my claim. After the denial I called and requested the documentation used to to determine the outcome and was not provided with it. I have attached a copy of the denial I received. I shouldnt have to worry about whether or not my money is protected in the event that things like this happen.
Product: Credit card or prepaid card

Sometime between  XXXX  and  XXXX   2017 ,  Citi Credit Services closed my Home Depot account and sent it to collections. I was never behind on any payments, nor was I in default. The collections agency has told me that Citi closed my account because someone has reported that I had filed bankruptcy, which I had not done. Citi will not let me log in to service my account online any longer, no will they speak to me on the telephone, stating that my account is now in collections and I have to only deal with the collections agen cy. Th ey will not even give me any assistance as to when or how they received the incorrect information so that I can file a law enforc ement identity theft re port.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE ALSO WRONG EMPLOYERS THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 XXXX, my XXXX, my XXXX XXXX XXXX  and to my XXXX! 

I demand the late payment reported to be removed/updated. 

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. 

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!
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXXXXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

Upon checking my transunion credit report, they are currently still reporting inaccurate information regarding XXXX XXXX. This account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.