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

I am disputing inaccurate late payment records on my credit report for ( XXXX XXXX XXXX ), as I have always made timely payments. I request a thorough investigation and ask for evidence supporting these claims. If no proof can be provided, I demand the records be corrected to reflect on-time payments. Attached are documents to support my claim, and I expect a resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion just doesn't respect my rights as a consumer I sent the letter to them and they Received it on XX/XX/XXXX, Not only did they not fix the late payment which isn't suppose to be reporting on my account XXXX XXXX  + XXXX, they sent me a letter in response that said not specified, which didn't even make sense which tells me that they didn't even pay attention, because they have no proof that I gave them written instructions under the Fair Credit reporting act to report the late payment in the first place. The account should be updated as Paid AS AGREED, Show me documentation. Actually read the letter
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XXXX we hen Ive applied for credit Im always referred to trans union and on XXXX XXXX trans union again has the depts with medical bills that denied my application. Ive had state insurance most of my life and so I shouldnt have any medical bills, they shouldve been sent to insurance. The dates on the digital report has dates that I know arent accurate although the actual medical record seems like an event that I had on a previous year. Ive called, mailed in for my annual reports from all agencies but never receive any response or report mailed to me. Ive also requested for my report to be mailed after a denial and only get digital reports that seem inconsistent with each other. How do I make the credit reporting agency respond to my request. I believe its the law to comply with an annual request of a report with in a such amount of period of time. Im being victimized and its not the first time Ive been discriminated or victimized by state federal or govt companies. How can you help me correct this problem and hold the laws that are mine to not continue to be violated.?
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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

XX/XX/2018 XXXX XXXX I am sending this letter in regards to the time frame of 1 year that I have sent several certified written requests by mail and realized their were no responses, so I decided to contact you through this portal to make sure this message is recorded and by witnessed by The CFPB, FTC, Georgia Clerk Of Courts. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights 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 two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed immediately and permanently within 24 hours. I am disputing the erroneous information as an internal dispute/affidavit your company is falsely acccusing me of. I dont know what affect it could be because I was once an identity victim also I have been affected by several breaches with XXXX, online over the internet as well. 
You have placed erroneous information on my credit file that includes a debt that Im unaware of A : 1.  XXXX XXXX XXXX XXXX 2. XXXX XXXX. B : ERRONEOUS INQUIRIES - 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. To my knowledge your are violating me and my rights trying to collect a debt you claiming I owe and that I am unaware of. It is impossible to collect a debt that you didnt verify 100 by taking the correct steps for verification along with providing me an original contract with my signature on it. By law you are required to remove the debt permanently and immediately. I am demanding that this debt is removed within 48 hours of this receipt. This is the final attempt to contact you.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1861 Lexis Nexis is hiding a bankruptcy in my LexisNexis consumer credit file under a report named National Credit File Report. Lexis Nexis must verify and certify that this information is XXXX XXXX accurate under the FRCA. I did not give Lexis Nexis consent written or oral permission to report this information to any CRA or on any consumer report. This information was removed from my consumer file back in XXXX of 2020. I was never informed that this information was going to be reinserted which is a VIOLATION of the FRCA. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Attached is the letter stating in was unverified and they had removed it. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX Without Prejudice, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus XXXX, XXXX and transunion regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.
Product: Credit card or prepaid card

I am a new Comenity Bank user due to an application for a Lane Bryant store card. After receiving my card, I have been attempting to create a new account and make a payment online for several days. My payment is due tonight. Charge of {$41.00} late fee plus interest is possible. I have not been able to reach online and telephone service ( XXXX ) gives a generic " system update '' message and hangs up. I tried calling the store, but they are not able to support this Comenity bank service or receive payment. There are no communication options.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

Im unaware of this debt. I did not have the opportunity to dispute this dept. I also did not receive proper notification on this debt. If in fact you believe that i did receive proper notification of this debt please provide me with the certified mail with receipt with my signature.
Product: Debt collection

I have disputed this item with XXXX on several occasions with complaints this debt is not mines the company had originally posted the same debt twice with two different balances then the debt was sold and the collection company taxed on a completely new balance I finally was able to get someone on the phone to contest the debt was not mines and demanded the original contract without hesitation because I knew this debt was falsified they promised to do so but later contacted me by mail refusing they insisted that I provide documentation proving Im not the original borrower in disbelief I contacted XXXX to dispute once more XXXX updated the debt I was furious XXXX states they are limited to requesting certain items during dispute process that I needed to contact the CFPB to request this item to be investigated further and be removed
Product: Debt collection

Moved into an apartment XXXX week of XXXX 2015. There were numerous repair requests and unknown pests. After no results, I filed rent escrow XXXX 2015 but the management attorney promptly cancelled the hearing and filed a form to release the rent my door was tagged daily with Notice to Move and notes that the contractors would be in the apartment to clean and rerent. 
I could not afford to move so soon and was in a lease so i emailed to stay and pay XXXX rent. I received an email that " they are not accepting any more rent from me. '' So to keep the contractors at bay and to prevent my belongings from being discarded while i was at work i began leaving notes on my door that i still lived there and do not enter. 
I obtained moving and storage quotes from XXXX and emailed these quotes to the office in hopes that they would n't discard my belongings as they threatend. 
I was able to find an apartment and a moving company XXXX XXXX, cleaned the apartment and took pictures and I promptly emailed the company my forwarding address and after a few months I assumed the apartment management kept my deposit and i had a zero balance. 
7 months later i get a {$950.00} bill from a collection company stating that i owed XXXX for past rent and utilites, administration charges and other nonsense. They have listed that i owe for XXXX rent and late rent fee ( which was paid on time and they retrieved from XXXX XXXX XXXX XXXX. 
Also they have listed i owe XXXX rent which they refused to accept from me on XXXX XXXX. ) They are billing me for billing me for electric and water, and I have been requesting copies of these bills for over 2 months. 
I have emailed and made several calls to FABCO, the collection company. I am requesting copies of these utilities because i was responsible for my own utilites and they did not supply or bill for electricity. 
I had my own electric service XXXX which i transferred to my new apartment. The water was paid monthly and was approx. {$20.00} a month. 

I assumed my deposit was used for the 6 days i was there as i dropped the keys off on XXXX XXXX. 

It is a shame that an apartment complex can treat someone so horribly because they expected apartment repairs. The daily posting of Notices that contractors would be doing a cleanout of my apartment and tagging my door with eviction notices and threats that 's contractors would be in the apartment cleaning it out were especially cruel since i still lived there and was not behind in rent.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THIS ACCOUNT IS REPORTING A 30 DAY LATE PAYMENT. This is correct. Experian failed to validate the late payment. 

XX/XX/2019 XX/XX/2019
Product: Debt collection

Recieved calls from McCarthy Burgess & Wolff. 
Attempted to collect debt - XXXX. 
Sent mail asking for verification / validation - No reply. 
Recieved follow up texts- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Called the office - respondents refused to identify themselves- had to ask several times. 
Calls placed on hold - no responses- or just hung up... 
This is not a valid debt- per acknowledgement of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX  Opened XX/XX/XXXX Open balance {$270.00} High credit is lower than balance, delete for inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX  XX/XX/year> TransUnion
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX