23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CAINE & WEINER or any of its Affiliates nor have I ever engaged in any business with CAINE & WEINER in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, XXXX and Experian. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
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  ACCOUNT # XXXX OPENED XXXX LIMIT {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXX LIMIT {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXX LIMIT {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$6000.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$710.00} XXXXXXXX XXXX XXXX # XXXX OPENED XXXX LIMIT {$700.00} XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$500.00} 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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The credit bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i was reviewing my credit report and noticed that some inquires that I did not authorize. Also, a collection that is fraudulent
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. these items in my credit file are from unartharized use of my social security number and card. I did not authorize these accounts or inquiries to be taken out i my name nor do they relate to anything I did. Im unaware of any of this. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously violates federal law by reporting inquiries that are illegal, inaccurate, and misleading. 

Inquiry ; XXXX XXXX service : Inquiry was not approved by me ; violation No credit or loan has been awarded ; their were no probably cause for inquiry.
Product: Money transfer, virtual currency, or money service

I'm trying to change my address for the settlement
Product: Credit reporting or other personal consumer reports

Please remove inaccurate, unverifiable, unauthorized information on my credit report XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX Opened:XXXX Balance : {$180.00} XXXX. ) XXXX XXXX OpenedXXXX Balance : {$840.00} XXXX. ) XXXX XXXX XXXX OpenedXXXX Balance : {$1200.00} XXXX. ) XXXX  XXXX XXXX Opened:XXXX Balance  : {$1100.00} XXXX. ) XXXX XXXX XXXX OpenedXXXX Balance : {$450.00} XXXX ) XXXX XXXX Opened:XXXX  Balance : {$8600.00}
Product: Debt collection

COLLECTOR IS SKIP TRACING AND LEAVING ROBO CALLS TO SEVERAL CELL NO. IN ARKANSAS, A XXXX ACT.
Product: Credit reporting or other personal consumer reports

My account is not being updated properly And the debt company XXXX and XXXX XXXX XXXX is not providing and the information that proving its my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX # XXXX I do not wish to open a dispute on this account, I would just like for the information linked to this account to be updated/corrected accordingly. Ive attached documentation to support my claim that this account should so no late marks. I submitted a goodwill letter to the original credit to have them adjust and remove the 30 day late payment. XXXX has successfully updated this account, but XXXX and XXXX  have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681a ( 2 ) ( a ) ( i ) REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ACCOUNT - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXXXXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXX XXXX ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting or other personal consumer reports

On ff I filed a complaint against both Acima ( Complaint # XXXX ) and XXXX ( Complaint # XXXX ) in regards to the account being reported inaccurately. In that complaint I had attached supporting documentation that they were reporting inaccurate information and that I wanted it permanently removed from my reports. Pursuant to section 623 ( a ) ( XXXX ) ( A ) and ( B ), a furnisher SHALL NOT furnish information that they have reasonable cause to believe it was inaccurate. The supporting document I attached in those complaints showed proof that the reported information was inaccurate. Now, I have received a letter from Acima stating that they have ACKNOWLEDGED that they have reported inaccurate information but STILL REFUSE TO DELETE IT FROM MY CONSUMER REPORT. See attached. This a complete violation of section 623 of the Fair Credit Reporting Act. Additionally, I notified XXXX of this inaccurate information to which they claimed its " verified ''. Pursuant to section 611 ( a ) ( 5 ) I am demanding compliance. Lastly, the cfpb has initiated a lawsuit against Acima for reporting inaccurate information Docket number 2:24-cv-00525. This is their last chance to remove this information from my report before I proceed to hand this case over to a consumer protection attorney.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, transunion 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/, my mortgage company NationStar Mortgage transferred my loan to MrCooper. I was told nothing should be changed on our end for the transfer. I had been paying my monthly mortgage on time each month. Me and my wife XXXX XXXX even called the new mortgager MrCooper, they told us everything looks good to go. Our latest payment was deducted by NationStar, and new payments are going to MrCooper. 
However in XX/XX/, we found out that both of our credit scores were dramatically dropped from XXXXto under XXXX, a big more XXXX points drop, this affected our ability to get loans ever since. We both had perfect credit scores and were always able to get the best interest rates before this event. 

We did everything perfectly on our end, and as mentioned had been paying everything on time. Due to the errors by the two mortgage companies, they were not able to transfer the payments on time between time, or couldnt reflect it correctly on their system. As consumers we suffered credit drop, we contacted them to get the credit report removed so our credit score can be fixed. However its been 2 years and its still not fixed. 

The mortgage companies have confirmed on their end payments are received on time, and in their system adjusted as needed however never fixed our credit history. 
I would like to have both of my ( XXXX XXXX ) and my wife XXXX XXXX XXXX ) s credit monitoring be fixed with all three credit bureaus by the mortgage companies.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are violating my rights pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ; 1681s-2 ( 6 ) ( B ) ; and 1681c-2. I am a victim of identity theft, which occurred at my current address by someone associated with my address, in my fathers name XXXX XXXX, in which i am his XXXX. Namely, regarding a credit card, XXXX XXXX XXXX account # XXXX in amount of {$4300.00}. I noticed on XXXX, XXXX, and Equifax 's credit reports about me, this inaccuracy listed. I filed an identity theft report, FTC # XXXX. I provided the reporting agencies proof of my identity ; a copy of my FTC identity theft report ; identity of the inaccurate information listed on my report ; and a statement from myself that the information listed is not information relating to any transaction by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago ( mid XXXX to XXXX 2017 ), personal information including my Name, Address, SSN,  credit card numbers, and other information was accessed illegally through Equifax 's poorly secured databases. This breach was only recently made public although they have known about it for months.
Product: Mortgage

XXXX issues:1. My XXXX payment was made on XXXX XXXX, 2015 and was not credited to my account until after I emailed the CEO, XXXX XXXX, on XXXX XXXX, 2015. In my email, XXXX of the things I requested as follow-up was a written response informing me if my XXXX payment was reported as a delinquency to the credit bureaus. I never received a response and would like an update. 
2. My XXXX payment was made on XXXX XXXX, 2015 and has n't been credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We where given 2 financial deferments in a course of one year for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. After 29 calls I spoke to a representative in collecting department of XXXX XXXX  I was then granted another deferment for XXXX and XX/XX/XXXX because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. Doing the course of our loan XXXX XXXX reported 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments. My Husband took ill an I was working out of town and he was not allowed to make payment to the bank without my drivers licenses or ID so we paid in lump sums. we was told we was still behind so we ask for a deferment to catch up we made our first payment XX/XX/XXXX XXXX was our fist payment of {$560.00} missed XXXX he was not allowed to make payment in bank for me we also missed XXXX {$560.00} XXXX was missed the bank card used was not allowing payments once we found that out we paid {$1700.00} in XXXX XXXX to cover past due XXXX was missed we thought we paid enough to cover payment. XX/XX/XXXX we paid {$560.00} XXXX we paid {$1700.00} and XXXX we paid {$1700.00} this would bring the balance to {$5700.00} XXXX XXXX  granted the deferment our next payment was to be made in XX/XX/XXXX when we went to pay on the account we discovered that the account had been locked and that they had reported that our last payment was made in XX/XX/XXXX the Charged the account off is XXXX the never contacted us by mail or phone. we have still not heard from this company we have filed several complaint and would I need answers and Feed back on all complaint we have tried refinancing the truck to be told that they are unable to assist us we have had Attorneys to contact them financial company and etc. no letters no calls no response but they are reporting on my credit as 2 different banks XXXX and XXXX the only response I get is when I file a complaint with CPFCP they are committing credit fraud and this loan need to be removed ASAP off my credit and I would like a call or a letter explaining to me about what happen to my loan.
Product: Vehicle loan or lease

My lease ended with Toyota finance years ago. I currently have my vehicle financed by XXXX XXXX XXXX. On the XXXX of XX/XX/year>, I was trying to pay XXXX XXXXXXXX XXXX the sum of {$680.00}, being the monthly bill. Unfortunately, I sent the money to Toyota Finance. It took a while before I figure out the mistake : and when I reached out to Toyota Finance to refund my money, they refused. This incident happen almost 2 years after my lease with Toyota finance ended. Please help me.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. Please remove immediately. Transunion, XXXX and XXXX all have different statements
Product: Credit reporting or other personal consumer reports

upon review of my credit report I noticed a few hard inquiries that I never authorized and that I'm completely unaware of..
Product: Vehicle loan or lease

There is an unpaid loan balance on my credit report that is keeping me from purchasing a home. This vehicle was court ordered to be paid for my ex-spouse. Per the divorce decree I am not responsible for this debt. 

Santander Conumer USA XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent months trying to get TransUnion to fix their problem. They are incorrectly reporting my car payment as " closed, derogatory ''. 100 % wrong. I have talking to my bank and they say repeatedly the account is open and paid satisfactory. All other credit reporting agencies have it correct. They have reported they have corrected, and it simply not true - they have changed nothing. I am enclosing a letter received today from XXXX that states the I am such a loyal good customer I can skip a payment if I want- not something they do to closed accounts. I am currently two months ahead in my payments. TransUnion should remember all the fines paid to CFPB, more coming.