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

To Experian reporting for XXXX XXXX Services : I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt.

I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor. Statute of limitations and last payment missed on the debt.

An itemized statement of the account, including the principal amount, any interest, fees or charges applied.

Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with XXXX XXXX XXXX bearing my signature. Provide insurance claims of the debt. 
As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to YOUR COMPANY, Experian also to XXXX, and XXXX. I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. Your non compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802. In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase document, which explicitly details the price you paid for this particular debt.
Product: Debt collection

When I moved out of the complex there was never an amount owed. I never received a call, mail, or anything from the original debt collect nor the collection agency regarding this matter. The apartment complex never reported to my credit. The first time knowing about this debt was because I got a notification from XXXX XXXX saying a collection had been placed on my account. I originally went to solve the matter with the apartment complex but they stated that they didnt have any paperwork to acknowledge the debt and that I should dispute it with the collection agency. The collection agency never reached out to me regarding this matter before attacking my credit report with false information. The collection agency is Sentry Credit and when asked to send documentation nothing was never received to prove that this debt belonged to me and that I owed them or signed any paperwork with this company stating that I would pay them any funds. I also went through the credit bureau to dispute this matter to see if they would send them the paperwork to prove this matter nothing happened. I feel this account should be removed from my credit report it is making it hard for me to take care of my family and have a roof over our heads. Sentry Credit there address is XXXX XXXX XXXX XXXX, WA XXXX
Product: Debt collection

A company called Asset Acceptance contacted me about a very old ( 15+ years ) credit card debt from my XXXX  XXXX Credit Card . In 2005, XXXX took XXXX out of my checking account and I was under that impression that this money settled the debt. I just recently got rid of all of the old paperwork that I had concerning this debt. I am not sure what to do at this point and would like for this to be resolved and for this company to leave me alone.
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 nameXXXX, XXXX Account name  : XXXX XXXX XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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: Debt collection

I am writing to address the alleged late payment you reported to [ XXXX/XXXX/Equifax ] XXXX which you have claimed is either accurate or verified. My prior dispute, however, was not a request for validation but for the specific documentation required to substantiate this late payment. Your response is insufficient, and I am requesting a detailed explanation of how this information was verified.

Timing of Payments 15 U.S. Code 1666b Under 15 U.S. Code 1666b, a payment can not be reported as late unless : 1. The periodic statement was sent at least 21 days before the payment due date.

2. The statement included all required information per 15 U.S. Code 1637 ( b ).

To ensure compliance, I request : Proof the periodic statement was mailed or delivered, including tracking or delivery confirmation.

Confirmation that the statement met all requirements under 15 U.S. Code 1637 ( b ). Evidence the statement was sent at least 21 days before the payment due date.

Without this proof, reporting the late payment violates federal law.

Accuracy of Reporting 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must ensure the maximum accuracy of reported information. To consider this late payment verified, you must provide sufficient evidence to prove its accuracy.

Responsibilities of Furnishers 15 U.S. Code 1681s-2 As per 15 U.S. Code 1681s-2, furnishers must : 1. Conduct a reasonable investigation upon receiving notice of a dispute.

2. Review all relevant information provided by the consumer.

3. Respond within the 30-day period required by 15 U.S. Code 1681i ( a ) ( 1 ).

4. Correct any inaccuracies and notify the consumer reporting agencies.

You have failed to provide required documentation or conduct a reasonable investigation. This failure violates 15 U.S. Code 1681s-2.

Procedure for Disputed Accuracy 15 U.S. Code 1681i Under 15 U.S. Code 1681i, if disputed information can not be verified, it must be removed from the consumers file. Continued reporting of unverifiable or inaccurate information also violates 15 U.S. Code 1681s-2 ( a ).

Request for Deletion Given your failure to provide adequate verification, I request the deletion of the following entries from my credit report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Charged off ( {$12000.00} written off and past due as of XX/XX/XXXX ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I expect a resolution within the legally required timeframe. If the information can not be verified, it must be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, On XX/XX/2024, I attempted to initiate a transfer of funds via XXXX to the recipient with wrong. However, due to the recipients phone number was selecting the wrong, the funds were mistakenly sent to different recipient. 

I have made efforts to rectify this situation by contacting the unintended recipient and my financial institution. Unfortunately, my bank, Chase Bank stated the courtesy recovery fund request was sent but failed. Due to XXXX is 3rd party, Chase is not responsible for the money send back. The XXXX is equal to XXXX cant be get back. Chase branch managers Read me several times of the policy which is not Chases responsibility in this case. And wants me to accept the reality ( the money is gone ), want me to contact XXXX, want me to contact the recipient directly. 
I had contacted XXXX, XXXX said Chase is 3rd party so they cant responsible for it, they have no transactions details so cant do anything. XXXX said due to I did not use XXXX XXXX so XXXX want me to contact my bank, Chase Bank. 
My issue as a ball been kicked back and forth by Chase and XXXX.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an item on my credit report through XXXX since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, national credit systems that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX XXXX and I found inaccurate information on my credit report.The following is what I found... 
On XXXX there is a company called XXXX XXXX XXXX with a balance of XXXX Account details Account NumberXXXX  Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$3400.00} Unpaid Balance {$3700.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX On XXXX reporting I found the following... 
Collections XXXX XXXX A Reported : XX/XX/XXXX {$5900.00} Current RatingCollection/Charge-off Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX XXXX Status Open Type Individual High Balance {$5900.00} Unpaid Balance {$5900.00} Collection agency XXXX XXXX  A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX What I found on my Transunion report was the following... 
Account details Account NumberXXXX Date OpenedXXXX XXXX, XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ( XXXX ) XXXX The acts I have taken was talking to a XXXX XXXX for consulting. I was instructed to contact this agency ( CFPB ). I found that these agency that misreported on my credit report is violating my rights. 
My Legal rights states as follows... 
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 an 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

XXXX XXXX collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX bill. XXXX  XXXX is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with Experian. XXXX  XXXX continues to notify Experian the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX  has acknowledged the account is closed and settled. Even though XXXX  XXXX is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into XXXX  XXXX web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX  a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. XXXX  XXXX is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. XXXX XXXX contact is XXXX XXXX XXXX  XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX  account is XXXX. XXXX  XXXX has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve it.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted but no successful resolution was provided nor feedback was heard from the concerned Bureaus. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Otherwise, REMOVE this account completely from my personal report. Thank you.
Product: Credit card

This is a follow up to CFPB Case XXXX. After reporting my concerns in XXXX 2015, about Synchrony Bank I am not satisfied with the resolution. The company had removed 2 payments from my checking account ( without approval ) and applied them to a JC Penney XXXX Card account ( which I did not have ) The payments I was making towards a XXXX XXXX were not recorded towards my account, therefore, late fees were charged. The account numbers on these account are very different, the addresses for payments are not the same either, yet these were the explanations I received. The solution was to credit the XXXX account, and remove any outstanding balance, however, instead of doing this, I received a XXXX balance on the JCPenney account ( which I do not have ). I have called the Senior Specialist who handled the case with this information and had to leave it on the answering machine XXXX twice ). I have been more than patient with this company, but still, I receive no response. In addition, my credit rating has dropped almost XXXX points, due to their actions.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX  loan through Ben Franklin Finance to do XXXX XXXX. All the XXXX  were on line, no books only the computer. When I started the first XXXX  which I did not finish due to the XXXX  not speaking fluent english. I couldnt understand anything she was saying. I never XXXX  into another XXXX. but I was continuing to get charged but I never saw a dime of the money, It stayed with Ben Franklin. I stopped making payments. Im not the only person they have done this to. They have had many c/o fraud with the XXXX XXXX XXXX . 

In accordance with the Fair Credit Reporting Act the following Creditor has violated my rights under : 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 as account without my written instructions. '' Ben Franklin Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I had a car loan through XXXX XXXX XXXX XXXX. The car was return back to the lender XXXX years ago and I recieved a check because they SOLD MY CAR. They took my car from my parking spot XXXX YEARS ago. It was paid for after being sold and was removed. 

After looking at my credit documents on ALL XXXX bureaus, they are still reporting this CARD AS LATE PAYMENTS, ITS CURRENTLY STILL OPEN AND REPORTED. I do not have possession of this automobile. 

Because if this, this is a additional reason I cant not get an apartment, credit or anything because its showing I owe a car company who not only took the car but sold it as well. 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. 


The ruling interpreted 1692e of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to  XXXX   XXXX   XXXX   XXXX  asking them to verify  XXXX  liens that are showing on my credit report. They responded that they do not report lien to the credit company. I have attached their letters.     I then sent a letter to Transunion asking them to verify the same  XXXX  liens on my credit report and they sent a letter back stating that it was verified.     If  XXXX   XXXX   XXXX   XXXX  does not report to the TransUnion, I 'd like to know how did Transunion verify that the information they are reporting is accurate and with whom did they verify this information?
Product: Mortgage

Firstly, I 've been switched around from one mortgage company to another without any notification. That being said, I was with XXXX bank for about 7 years with an interest only loan when they switched me to Bay View Loan Servicing. While in the process of obtaining a modification, which I 'm told I must be at least 2 months late to qualify, I kept receiving calls and letters for payment for which I informed them that I was in the process of a modification by your own bank, so please stop sending letters and phone calls. This has continued for over 5 months now ; have been approved for the loan modification, for which I have made two payment already. They continue. It 's clearly a case of the left not knowing what the right is doing. One end of the bank is collecting while the other is setting up a new loan. Do n't they communicate? This situation is prevalent throughout the financial world. I can blame technology and particularly automation on this problem. Instead of becoming more productive, we are becoming less with thousands of similar problems because people are getting lazy as a result. No one looks into matter anymore thinking automation will take care of it On top of that I have a home equity line which was not considered. In addition, they are providing this information to the XXXX credit reporting companies that I am late every month on my payments, thus really ruining my credit, with no information relating to the fact that its a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my hard credit inquiries as I am currently refinancing my home. Discovered a hard inquiry with Citizens Bank on XX/XX/2021 which I did not authorize. This is the same week I experienced fraudulent activity with my debt card which I reported to my current bank XXXX XXXX. This activity with my debt card has been resolved.