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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/XXXX Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Collection Account To Whom It May Concern, I am formally disputing the collection account reported by XXXX XXXX XXXX on my credit report. This account is being illegally reported in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., Metro 2 compliance standards, and Consumer Data Industry Association ( CDIA ) guidelines. If this account is not deleted immediately, I will take legal action against your credit bureau for multiple violations.

FCRA and Metro 2 Violations Committed by the Credit Bureau 1. No Agreement Exists Between Me and XXXX XXXX XXXX Violation of 15 U.S.C. 1681b I never entered into a contract or payment agreement with XXXX XXXX XXXX. 
The only document they provided was a lease agreement with the original apartment complex, which does not grant them collection authority.

Since they purchased or were assigned this debt without my consent, their reporting of this account is unauthorized and unlawful.

2. Failure to Maintain Maximum Possible Accuracy Violation of 15 U.S.C. 1681e ( b ) You are legally required to verify the accuracy and legitimacy of any account reported on my credit file. 
XXXX XXXX XXXX has failed to provide a valid debt assignment agreement proving they own this debt. 
Because there is no direct obligation between me and this collection company, the account must be deleted immediately. 
3. Unauthorized Reporting of Debt Violation of 15 U.S.C. 1681b Credit bureaus can not report accounts from entities that do not have a legal right to collect. 
Since XXXX XXXX XXXX has no signed contract from me agreeing to pay them, this is an unauthorized entry on my credit report. 
4. Failure to Mark the Account as Disputed Violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) The FCRA requires you to mark this account as disputed during an investigation. If this was not done, you are in direct violation of federal law.

5. Obsolete and Unverifiable Information Violation of 15 U.S.C. 1681c ( Section 605 ( b ) ) If XXXX XXXX XXXX can not provide a legally binding contract with my signature agreeing to pay them, this account is unverifiable and must be deleted immediately. 
6. Violation of Metro 2 Compliance and CDIA Guidelines Under Metro 2 and CDIA reporting standards, you are required to verify that a debt collector legally owns the debt before reporting it. 
Because XXXX XXXX XXXX has failed to provide a valid assignment agreement proving their right to collect, this collection account is non-compliant and must be removed immediately. 
XXXX. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court ruled that a credit reporting agency ( CRA ) can not merely rely on the information provided by the original creditor when responding to a dispute. failure to obtain independent verification of this collection is in direct violation of this legal precedent. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

Company request repayment extra interest also shared my information with others unknown to me
Product: Payday loan, title loan, or personal loan

I received a payoff quote from Avant good through XX/XX/XXXX ( attached ) for {$7300.00}. I mailed a check for that amount, which was posted on XX/XX/XXXX. Avant states that I have still have a balance due. I have made multiple attempts to resolve via email and telephone ; including their resolutions team.
Product: Credit reporting or other personal consumer reports

Remove all information reporting from XXXX and the settlement XXXXXXXX XXXX XXXXXXXX states. Also remove inquiries on Equifax and XXXX. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX  ( Finance ) XX/XX/XXXX Based on your Equifax report on XX/XX/XXXX Inquiry details EQUIFAX MXXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I entered into an agreement with meadow brook legal group to handle my debts and represent me if I should be sued. Unbeknownst to me and due to deceptive marketing and advertisement tactics from XXXX XXXX who assured me the grand benefits of the program ensured me that my debts would be settled in 6-9 months and that skipping payment was ok if I experience any hardship. Little did I know they took upfront fees and that if I skipped payments it would pull from the previous months funds never aiming to pay off my debts. However, I was assured again that regardless if sued I would be getting the least legal advice and an attorney to give me legal advice on where to go next. The attorney in the program said he had no idea how to even file a court filing to contact meadowbrook as that is what I am paying for and even agreed that meadowbrook is deceptive in telling me they would help me as that was services I was paying for. However, every time I kept getting a different answer. After trying to get a refund I was told I only XXXX cents in reserves so that basically my only refund was the skipped payment of XXXX dollars and change which I still have not received. After 8 months of payments and no help they would not return my XXXX dollars in escrow because those are fees " rendered for services, '' My question is what services. Have they communicated more efficiently and told me they would not represent me I could have negotiated my own debt sooner. They also rushed me into signing my contract with manipulation and a notary to notarize a paper in a rushed manner as if I was taking too much time. I never felt so shammed in my life. Also, XXXX just called me one day out of the blue explaining how much this program could help me. I should have did more research but I trusted them as a " law group, ''
Product: Credit reporting or other personal consumer reports

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
Product: Student loan

A complaint has also been filed by federal student aid on my behalf.

I have a XXXX  ( XXXX XXXX XXXX XXXXXXXX ) Discharge that was approved in XXXX. 

I still get payment requests from Mohela and have tried to contact them several times with no luck at all. I finally filed a complaint with the XXXX  in order to get a response. 

Their response was that all student loan forgiveness has been halted and they also stated that they do not handle XXXX  or status. 
Both of these statements are incorrect as XXXX  is not part of the pausing of discharges and Mohela does process the discharge. I verified this with Student Aid.

As stated above I contacted FSA this morning and they filed a complaint on my behalf.

Mohela needs to discharge these loans and have someone who knows what they are doing handle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with XXXX  and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.
Product: Credit reporting 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 : XXXX XXXX  XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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

I have reported a fraudulent charge on my credit reports from TransUnion, XXXX, and XXXX. These companies have refused to look at the documentation that shows this was a fraudulent charge by a XXXX XXXX employee. That charge continues to show on my credit report reducing my credit score. What is going on here that people will not acknowledge the evidence?
Product: Payday loan, title loan, or personal loan

To whom it may concern : I took out a car title loan around XX/XX/XXXX from XX/XX/XXXX and unfortunately fell behind on my payments. My vehicle was repossessed, however, I quickly paid to have my car reinstated back to me in the amount of {$1000.00}, which was wired to XXXX XXXX XXXX on XX/XX/XXXX using code # XXXX ( reference # XXXX ). 

I called XXXX several days later to pay off my balance and close the account. I was told by the agent that the repossession fee had cleared, and that my pay-off balance was {$3500.00}, which I paid on XX/XX/XXXX ( reference # XXXX ). I asked several times to make sure that this was all I owed and each time the answer was Yes. I was also told that my title would be released back to me, which led me to believe there was no longer a lien on my vehicle, or any balance owed to XXXX. 

Come to the present, I was going through my paperwork and realized I never received my title. I went online to the XXXX website only to discover a {$210.00} balance on the account. I immediately called on XX/XX/XXXX and explained to the agent the issue, and was told a supervisor would review my case, and that I needed to call back the next day. 

I called back on XX/XX/XXXX and calmly explained to the agent the issue again, and was rudely interrupted telling me that she needed to explain what the supervisor noted. I asked to speak with the supervisor, XXXX, who reviewed my account and was told she was not there, even though I was told to call back that day to speak with her. I then asked to speak with another supervisor or manager and was placed on hold for over 12 minutes, which is excessive. 

Frustrated, I called back and talked to XXXX, who was actually polite and quickly got me to a supervisor. Low and behold the supervisor was XXXX XXXX, whom I was told was not there in a previous call. XXXX said that there were 2 charges of {$80.00} and {$75.00} assessed to my account that were part of the repossession charge, and any amount from XX/XX/XXXX to now is all interest fees. I told her I was never disclosed this information and that I dispute any balance on my account. I said I was promised my title and I felt I was deceived. I was then told that she would waive the interest fees, but unless I pay them {$150.00} they will not release my title. 

I am now frightened that they will try and repossess my vehicle over a balance that was never disclosed, or charged to my account incorrectly. I believe that XXXX in violation of several consumer protection acts, withheld information and behaved in an unfair and deceptive manner. 

The resolution I am seeking is for XXXX to waive the entire balance owed and release the title immediately through certified mail. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon noticing an incorrect balance on my TransUnion credit report, on XX/XX/XXXX I submitted an inquiry to TransUnion requesting that the correct balance be shown ( TransUnion was showing a {$640.00} balance, while the correct balance was actually {$0.00}! ). Even though I received an acknowledgement that TransUnion had completed their review, the balance being shown today is still not correct ( it shows a {$200.00} balance, when the actual balance is still {$0.00}! ). 

I then called the TransUnion XXXX number around XX/XX/XXXX, to ask for a second inquiry into the misreported data, was assured that they would look into it, but today, they are still showing an incorrect balance! 

If these credit reporting companies want to be sued, keep reporting incorrect balances!
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

First off I removed my money from the Wells Fargo due to extreme overdraft fees literally that would approve things for next to nothing then overdraft my account making me owe more than what was charged they also short my money I didn't notice it until I had to pay XXXXXXXX XXXX XXXX  and was short over XXXX dollars at my kid party also it took days to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I attempted to obtain a VA home loan. When I checked XXXX, it showed that I had XXXX XXXX XXXX accounts with USAA. I was denied the loan. I contacted XXXX and they verified the reported information of the same date. I contacted USAA. This false reporting is violation of 807. False or misleading representations. USAA may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

The attached XXXX report confirms that USAA currently is incorrectly reporting that I have XXXX XXXX XXXX accounts.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also asked for the original contract to be provided and it was not. I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information being reported on my credit file by TransUnion. I am a victim of identity theft, which occurred as a result of the XXXX and XXXX data breaches. Despite my efforts to resolve this issue directly with TransUnion, they have failed to remove the fraudulent accounts from my credit report. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to request the blocking of information resulting from identity theft. I have provided the necessary documentation, including a police report and an identity theft affidavit, yet TransUnion has continued to report these unauthorized accounts, causing ongoing financial harm. I urge the CFPB to take immediate action to ensure TransUnion complies with federal law and removes all fraudulent information from my credit report. 

XXXX XXXX Balance - {$19000.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$3100.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$2400.00} Opened - XX/XX/XXXX XXXX XXXXXXXX Balance - {$590.00} Opened - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX bank reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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 concimelam demanding the deletion of the Accounts
Product: Debt or credit management

Lexington Law Firm signed me up for their Lex on Track service at {$29.00} per month, to " repair '' one bureau at a time on a rotating schedule. 

No results were seen in the first 90 days of their service. 

However, on my own, through my own personal time and expense, contacting the credit bureaus directly on my own, I was able to achieve some items being removed from my credit report. 

Lexington Law tried to claim this as part of their success with their program, even though they did not deal with all three bureaus and could not have achieved this without all of the documentation I had available. 

I then " upgraded '' to the XXXX XXXX product from Lexington, since it dealt with all three credit bureaus. Once again, Lexington Law took credit for my previous works and kept sending emails and correspondence regarding their billing, but not about my actual case. 

I reached out multiple times to ask what Lexington actually did, and they just directed me to their " dashboard '' which just said that they sent letters and were awaiting responses. None of those responses were reported to me or received by me.

Lexington is trying to " Collect '' now for the fees for " past work '' done ... which they have yet to prove they've done. 

They have now " Closed '' my account, stating that they completed their work and are requesting more money for " past work '' they have yet to prove they've done. 

They did not deliver anything on their end. Any changes to my credit reports came from my own activities, calls, letters and correspondence sent to the credit bureaus and my former creditors, directly.
Product: Debt collection

On XX/XX/year> I received a phone call around XXXX from a local number. I waking up as answering the call. When I answered a woman used my first name and stated she left a package at my front door. I said, " okay thank you ''. After hanging up I open my door and don't see any package there. I called the number back and let the woman know I don't see a package and that I live in a separate dwelling from the main house. She yelled and cursed at me stating she saw me pick it up. I said I didn't see any package at MY door. Within five minutes there is banging at my door. I open the door ajar and a short, chubby XXXX woman with brunette hair uses her elbow to shove my door open and then throws paperwork in my face. Shocked by this I grab my phone and go out to my driveway to film her, her vehicle and her vehicle license plate. Her vehicle is parked at the end my driveway. She attempts to grab my phone and states. " the judge will hear about this and that she's allowed to be in my driveway because its public property ''. I let her know that my driveway is not public property and I'm allowed to film the person that just assaulted me. I attempted to get her license plate and that is when she tried to grab my phone out of my hand, punches me in my right eye, pulls my hair, stomps on my feet and chokes me. We proceed in a struggle where she tries to break my fingers. I'm trying to film while this is all happening. She eventually gets on her phone where the person on the phone tells her to drive off. I proceed to call 911 and report the incident. I also look at the paperwork and contact the office and let them know what happened and that I want the name of the individual because I'm filing a complaint. The police arrive around XXXX. I submit a statement and have a copy of the event #.