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

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name is : XXXX XXXX XXXX Please delete all other incorrect names. Pursuant to 15 usc 1681 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated and non mailable addresses and update the address with the one above. Pursuant to 15 usc 1681 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only Phone number is ( XXXX XXXX XXXX XXXX Delete any and all other phone numbers . 
( XXXX ) XXXX ( XXXX ) XXXX I demand my date of birth be updated to the correct date My correct Date of Birth is : XX/XX/year> Please remove the following dates Pursuant to 15 USC 1681 ( a ) 1992 My Current employer is : XXXX XXXX Delete all information in the employer section below, as I do not have any knowledge or contact with the employers listed below. Pursuant to 15 USC 1681 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. XXXX unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a second FCRA dispute to all three credit bureaus via certified mail and including a clear colored photocopy of my drivers license and social security card. I received a letter from Equifax asking for these documents on XX/XX/XXXX before they claim they will begin to dispute my items. They are reporting a bankruptcy as verified when I sent communication from the court stating that they do not verify any consumer information to any credit reporting agency. I have sent 3 FCRA dispute letters along with this information since XXXX of XXXX to no avail! Equifax is violating my FCRA by listing inaccurate credit information damaging my ability to obtain credit by continuing to report inaccuracies. They are using tactics to stall when they have all the necessary information to remove these items. There has been NO activity changes or otherwise on my file since XX/XX/XXXX despite receiving several attempts to clear this. My next action will be to file a lawsuit against Equifax and CFPB for allowing these fraudulent and unfair credit reporting practices. I want the accounts that I have submitted as not mine/inaccurate to be removed as soon as possible!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these errors off my report but unfortunately, this company is not so responded so this time I guess need to ask assistance from consumer protection bureaus like CFPB and Atty General.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 I receive a Email from XXXX XXXX XXXX Consumer Resources Tennessee XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX XXXX XXXX. XXXX with XXXX XXXX Tennessee Department XXXX XXXX XXXX, they agree Due to the ongoing pandemic they will be happy to review removing the charge-off completely as a courtesy off my credit report I dispute this item a with Equifax & they will not remove off my credit file this was related to the job loss, pandemic and subsequent charge off reporting incorrectly. I receive emails from First south Vice President, Risk Management XXXX XXXX Ph. XXXX Fax XXXX with a letter to send to Equifax & they still will not remove this charge off my credit file. I'm not understanding why Equifax will not remove this item off my credit file i dispute this item before it went over 30 days & Equifax still wont remove after receiving the letter from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in order to inform you officially about identity theft. I had a good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. I do not recognize these accounts in my credit report now. The fact that numerous accounts are suddenly on my credit should make it obvious that these accounts are not mine and never were. Please remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I recently was offered a XXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

1. One Main Financial- {$2300.00}, showing as a current charge off. 
2. XXXX XXXX- {$6700.00}, showing as a current charge off. 
3. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX and on XX/XX/XXXX and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX Bankruptcy XXXX XXXX Reference XXXX, 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 this item 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

I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite numerous attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in 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 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 or other personal consumer reports

My account was never late! I have had exceptional payment history 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 reputation, my character, my mode of living and to my family!

I demand the late payment to be 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports
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 Account number : XXXX. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account numbers 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, credit repair services, or other personal consumer reports

My information is supposed to be private and this company violated my consumer laws. This debt was shared without my consent or knowledge.

15. U.S.C 1692C- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Sections 2- A consumer reporting agency can not furnish an account without my written instruction.

Violation of my privacy Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. 

for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title 15 U.S.C. 1681 Section 602 A
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to address this error with Navy Federal Credit Union ( NFCU ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). NFCU needs to delete this innacurate information from all 3 of my credit reports  immediately. 

I have a settlement agreement with NFCU entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. 

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any  information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... 

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. 

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXXXXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}.

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with NFCU, this is devastating news.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with credit collection systems. I do not have a contract with XXXX XXXX XXXX. They also did not provide me with the original contract as requested. This item was also included with a fraudulent attempt when my identoty was stolen via online in XXXXXXXX XXXX XXXX where my social secruity number, drivers license informaiton, and email were compromised by a data breach. I also have had several fraudulent inquiries made that I did not give permission for with several companies. I would like for their to be a correction to my credit report. I demand that these items be deleted immediately. 



ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

A debt collector named WILLIAM RUSH & ASSOCIATES has been in contact about an alleged debt. There is no contract between XXXX XXXX and WILLIAM RUSH & ASSOCIATES. There has been no proof as to why I am being contacted. WILLIAM RUSH & ASSOCIATES has only shown me an alleged contract from another company and no where on this paper is WILLIAM RUSH & ASSOCIATES listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from WILLIAM RUSH & ASSOCIATES. I have also given notice to XXXX about this identity theft. I submitted my identity theft report to XXXX with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done.

I demand a debt validation as it pertains to the FCRA from WILLIAM RUSH & ASSOCIATES, with a wet ink signature. If this can not be I demand the removal of WILLIAM RUSH & ASSOCIATES from my credit report. 

I demand XXXX to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct. 

I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.