23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion 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 XXXX 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 my file at XXXX, XXXX, and TransUnion 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$5600.00} XXXX {$590.00}
Product: Credit card

I just purchased a new home and with this transition we had our internet disconnected so we never received our emails on a daily basis. Due to my move I never received a statement or notification regarding past payments. On XXXX XXXX we were reported as late on my credit. We have never been late since I opened this account in XXXX. This late payment is affecting my credit and I would like it deleted from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had sent a letter to Equifax regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my Conns account in XX/XX/2020 and now Conns is reporting late payments to XXXX for XX/XX/2020 as 30 days late and XXXX late 90 days on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have called multiple times and sent Conns support thru XXXX the documentation since this started in XXXX. I have also disputed the late payments with XXXX and XXXX with no resolution. Conn 's is validating the debt and this is incorrect since I paid and closed the account in XXXX of 2020. I have never been late on this account. Also, filed a complaint with the XXXX and they commented I would be contacted but never was and when I checked Conns support thru XXXX the complaint was closed as resolved. XX/XX/2020 I called conns again and finally got to speak to a manger only to be told I have several tickets open on this compliant and I need to re-submit the reports from the XXXX and XXXX. So I would start the processes again it is now going on 4 months and my credit score has dropped, and a home loan has fell through because of this. It causing a lot of suffering because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX? XXXX. XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Dear Sir/Madam, I am writing to bring to your attention a matter regarding the violation of my consumer rights by Caine Weiner. Despite my repeated requests, they have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. 

On XX/XX/2024, I sent a formal request to Caine Weiner, requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. However, to date, I have not received any response or documentation validating the debt. 

This lack of response is not only a violation of my rights as a consumer but also a breach of the regulations set forth by the CFPB. Despite their failure to provide validation information, [ Name of Collection Agency ] has proceeded to report the collection on my consumer report, which has had a negative impact on my credit score and financial well-being.

I kindly request that the CFPB investigate this matter and take appropriate action against Caine Weiner for their failure to comply with federal regulations and for their unjust reporting practices. Additionally, I urge the CFPB to ensure that Caine Weiner provides the necessary validation information and removes the collection from my consumer report immediately. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and appropriate action to resolve this issue and protect consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Send certified letter requesting debt validation XXXX XXXX and XX/XX/2024. I have not heard of received any documentation from Rent Recovery. This collection needs to be removed from my credit report. This collection by law is unable to collect in state of New York which I reside.
Product: Checking or savings account

An account was opened with Chase bank under my name. It was brought to my attention only when I tried to open an account recently. Once I found out I immediately contacted Chase and they're not helping nor responding to help me figure out what's going on.
Product: Payday loan, title loan, or personal loan

Someone to out a loan under my name on XX/XX/XXXX and was given it without my consent or approval
Product: Credit reporting, credit repair services, or other personal consumer reports

My fico credit score is fluctuating alot. I just purchased a vehicle and they submitted several credit inquiries and made my credit score lower by XXXX points. I don't understand the extreme fluctuation of my credit score. I did have a bankruptcy in XXXX, but I have paid off my loans and closed accounts but my credit rating is still very low. Can you please explain this or help me fix this issue. I have a full time employment and home mortgage and utilities bills and some credit cards, but everything is up to date. Let me know if you need additional information from me like SSI #, etc.
Product: Debt collection

At ot around XXXX Lobel financial send a tow truck company to repossess my car. I was not home but my mother XXXX several of my family members were home a sleep the man banging on the front door waking everyone in the house and disturbing the peace. I feel this violate the XXXX fair debit collection in business and professional code.. I did not receive any documentation from the tow truck company. my car windows do n't roll up on XXXX side of the car and XXXX does n't go down I feel that my truck is not safe. They did n't give a invoice of the property in the truck. I called the company they had no idea what tow company has my car or were its at. And told me to call back very rudely. This is my frist repo. 
I just got a transmission rebuild that cost XXXX in the begging of the year. lobel fincal knows my car was a lemon. And told me there 's nothing they can do about it. The car value on paper is not the proper price for the vehicle.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXUSC XXXX a ( d ) ( XXXX ) ( A ) ( a ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report are NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to XXXXUSC XXXX A ( d ) ( XXXX ) ( A ) ( I ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, XXXX status and any other derogatory information deleted from my consumer reports effective immediately.
Product: Debt collection

I am writing to dispute an item on my credit report related to the account with ASPEN NATIONAL COLLECTIO The information provided by this collection agency is inaccurate and is negatively affecting my creditworthiness. I request that you investigate and correct this issue promptly.

Details of the disputed item : - Creditor Name : ASPEN NATIONAL COLLECTIO - Creditor Address : XXXX XXXX POB XXXX, FL XXXX -Account Name : ASPEN NATIONAL COLLECTIO - Account Number : XXXX - Description of Inaccuracy : Collection agency has not provided validation information under 12 CFR 1006.34B5, yet they placed collections on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34C4. The collection agency is violating my consumer rights by using false, misleading, misrepresenting, and deceptive means. They have is valid. no authority to furnish this account to a consumer reporting agency without providing all disclosures required by law, which is a clear violation of 12 CFR 1006.34D and 15 USC 1681S-27A.

I hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you do not contact me nor anyone else except the original creditor about this collection.

In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account Also, I will need you to furnish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that you are licensed or legally authorized to collect on a debt in my state. Proof that you are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process. Proof that the original creditor authorized you to collect the debt on their behalf. The original creditors name. Details on when the account first went into a delinquent status since that is the dare required as OPEN DATE on the collection account I kindly request that you : 1. Conduct a thorough investigation into this matter.

2. Correct any inaccuracies promptly.

3. Provide me with written confirmation of the resolution.

I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate and respond within 15 days. I appreciate your attention to this matter and look forward to a swift resolution.

Please do not contact me until you have collected and sent this information to me at the address on this letter. You do not have the authority to provide this address to the credit bureaus as an updated address for the account. If prior authorization was granted, I hereby revoke any authorization to discuss this account with any 3rd party such as my work, family, or anyone other than me. 

Please acknowledge that you have received this notice Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed that you are reporting unauthorized inquiries on it. 
I have contacted the following Creditors below and they have no proof I Initiated these inquiries, no written authorization and have failed to provide reason for them reporting the inquiries on my credit report. 
According to Section 604 of the Fair Credit Reporting Act Permissible purposes of Consumers Report 15 U.S. Code FCRA, 15 U.S.Code 1681B In general. Subject to Subsection, any consumer agency may furnish a consumer report under the following circumstance and no other. 
( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by consumer. 
Under 15 U.S.Code 1681i, Paragraph ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general. If, after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The Following Inquiries are Unauthorized XXXX XXXX XXXX  - XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX LA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with the CFPB regarding EXPERIAN INFORMATION SOLUTIONS. EXPERIAN held my initial notice of dispute letter for 16 days before disputing anything on my consumer report, but when they finally responded to the CFPB complaint, I noticed a prompt dispute was initiated. The dispute was initiated XX/XX/scrub>XX/XX/2024 and ended on XX/XX/2024. EXPERIAN INFORMATION SOLUTIONS only investigated the inaccurate accounts in question for 10 days! And the accounts came back " verified and updated ''. EXPERIAN verified inaccurate account information. They also did not do a 30-day reinvestigation. This is a violation of the Fair Credit Reporting Act, and it is also unfair credit reporting behavior from EXPERIAN INFORMATION SOLUTIONS. I want these accounts removed. They have verified and did not remove the inaccurate information of both accounts with XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX. The FCRA states that 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 15 USC 1681e ( b ). I am requesting that these accounts be removed per 15 USC 1681i ( 5 ) ( A ).
Product: Checking or savings account

I sent a transfer for XXXX from XXXX XXXX XXXX to 5/3 Bank on XX/XX/2020. XXXX XXXX reported that it was deposited today this afternoon. When I called to check my balance the deposit was not there. I want my transfer tracked because I never received it. And it never went into my account. Transfers on Friday happen very quickly. For some odd reason it is not there and is not showing up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I realized that I was induced into a fraudulent agreement on my auto loan with USAA bank and XXXX XXXX XXXX ( XXXX XXXX XXXX ) The companies failed to disclose to me key contractual information, namely that they never, gave me money/legal tender at any point. They also failed to disclose to me that my signature fully monetized the note, which they were paid the XXXX dollars they claim I owe them, then they induced me into making payments on a fraudulent agreement, which I got nothing of value in return. USAA misrepresented the banks ability to lend me money. They worked hand in hand wit h the car dealership know as XXXX XXXX XXXX aka XXXX XXXX  XXXX. I want the title to my property being a XXXX  XXXX XXXX, and all payments, and late payments made under UCC 2-720 and UCC 2-721. Additionally I never autherized USAA or XXXX XXXX  XXXX to use my business name XXXX XXXX, I'm the only authorized user of the name XXXX XXXX. Please notify XXXX XXXX of USAA and XXXX XXXX  XXXX of XXXX XXXX triplex to return my property, and pay me my money back today.
Product: Credit reporting or other personal consumer reports

My account with ( CAPITAL XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX