23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Silverman Theologou LLP Re : Validation of Debt and Cease and Desist Notice To Whom It May Concern, I am writing in response to your recent communications regarding an alleged debt. I request that you cease sending me statements, as statements alone do not constitute sufficient evidence of a debt, per the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I require proper validation of the debt, including but not limited to, the original signed contract and a complete account history demonstrating how the alleged amount was calculated. Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and formally requesting that you cease and desist all communication with me regarding this matter. This includes, but is not limited to, phone calls, mail, and electronic communications. Please note that this cease and desist order extends to reporting any information related to this alleged debt to consumer reporting agencies. Any such reporting is considered a form of communication and must cease immediately. Failure to comply with this notice and continued attempts to collect this alleged debt without proper validation will be considered harassment and a violation of my rights under the FDCPA. Should it become necessary, I am prepared to litigate these violations. 

They've took on as XXXX XXXX when they're just a Debt collector ( Silverman Theologou LLP ). I've asked them to provide me documentations and i also filed in the courts and the judge knowingly knew this under oath was an fraudulent matter. I've filed a motion to have this info presented in court which the judge denied. They're now garnishing my wages. IVE ASED FOR AN ARBIRITATION DURING COURT AND THE ALLEGED XXXXXXXX XXXX ATTORNEY DIDNT UNDERSTAND.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

After examining my Consumer Reports, I discovered four instances of late payments on an account where I have always been punctual. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I've consistently made timely payments for my XXXX XXXX account, starting with XXXX XXXX. I urge you to investigate this matter and furnish proof, such as statements, demonstrating the alleged late payments. If such proof can not be provided, I request that these payments be corrected to reflect their accurate, on-time status, as I have never missed a payment. Thank you.
Product: Credit reporting or other personal consumer reports

The address ( XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ) is a fraudulent address being report on my credit report due to identity theft. Ive disputed this address numerous times and it still happens to remain of my credit profile.
Product: Vehicle loan or lease

I leased a new XXXX Chevy Equinox at XXXX XXXX in XX/XX/XXXX with my husband. We financed through GM Financial. The first complaint is that I receive the bill in the mail on the XX/XX/XXXX of the month and the due date is the XX/XX/XXXX!!! This is ridiculous. They will not help me change the date I receive the bill. The NEW problem is that for some reason our monthly bill comes only to my husband and not in both names. This has been OK and we just pay it. On Saturday TWO bills came for the same amount. One in his name and the other in mine!! I have called XXXX XXXX of XXXX and nobody will return my call. I have left voice messages as well as spoke to someone who said they would personally give it to the financial officer. I have been calling the GM Financial Service # XXXX ALL DAY today. I get a message saying that they have an overwhelming amount of calls and then it disconnects!!! EVERY TIME. I will not have my credit ruined by this horrible company because they double bill me and will not take my calls. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my XXXX, XXXX, and TransUnion credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account of XXXX XXXX was open on XX/XX/2013 and don't remember having any business with XXXX XXXX at that year. As a consequence, I decided to dispute this account with the Three Bureau credit report Transunion, XXXX  and XXXX. I requested each bureau to provide me a copy of all documents that they have in their file that they used to verify the accuracy of the dispute account. They always reply with " Information on this item has been updated or This account has been verified but never send any documentation to verify the accuracy of this account. They were unable to provide me with a copy of the verifiable that they have on file because this account doesn't belong to me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered information that I believe is inaccurate, as outlined by 15 USC 16c-2. This erroneous data is damaging my credit standing, and the inquiries were not authorized by me.
Product: Mortgage

This is a continuation of complaint XXXX which was closed due to company response. While the company, Zillow Home Loans, responded, they submitted a check to us that was sent to XXXX XXXX  but not for our mortgage account. XXXX XXXX  stated the remittance note with the check was not for our account. Since the remittance has protected information for another account holder, XXXX could not issue us a copy of the notice. This complaint is NOT resolved.
Product: Mortgage

175 Days for an assumption to take place for the sale of my home. ( 4 extensions ) Beginning date : XX/XX/2023 Told to extend to : XXXX XX/XX/2023 Buyer assuming {$210000.00} at 2.25 % Coincidentally, amidst these protracted delays, I have been subjected to an aggressive marketing campaign from Freedom Mortgage, urging me to cash out my current loan and offering assistance to sell my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up complaint to the XXXX and Equifax Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And they are are required to block and remove these specific inquiries not later than provided timeframe. Ive already included the identity theft report in my previous complaint & I am including it again here. Also, the data the XXXX and Equifax provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX XXXX suffered a major security breach which leaked the personal data of over 143 million Americans. My information was leaked in this breach, my Name, Birth Date, Address, Phone Number, Social, as well as my Driver Licenses Number. As a result of my personal information being compromised, I have become a victim of identity theft leaving several accounts listed on my credit report with XXXX, XXXX, and Experian that I did not authorize. My overall creditworthiness has been destroyed, as a result of XXXX  not taking the proper security actions, when they were initially warned that this breach might occur. 

The Fair Credit Reporting Act requires that these accounts be removed as soon as possible from my credit file. If these accounts are not removed from my credit file, My lawyer and I will move forward to in court on XX/XX/XXXX to file suit with all companies involved in this incorrect reporting. 

The following information should be removed as soon as possible. 
XXXX/XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  The following addressess should also be removed from my credit file as soon as possible : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX
Product: Credit card or prepaid card

Starting on XX/XX/2021 I was unable to use my Apple Credit Card issued by Goldman Sachs on both Apple Pay and the physical card. I contacted support immediately and they told me that my account was under review, but they wouldnt tell me why or provide any details. They also were unable to provide a timeframe on when I would be contacted to verify my identity. I contacted them again on XX/XX/2021 and I received the same response : no verified time-length when it would be completed, and Im still expected to pay the card and fees while being unable to use the card. Ive never been late on a payment nor has the account ever been delinquent.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i called to complain about a accident reported as XXXX, and the police report states not at fault. I have attached my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submititng this CFPB Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I need the following accounts investigated and removed from my Credeit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you verify the aforementioned accounts. If the information can not be substantiated as 100 % accurate, I respectfully request that you remove them from my credit report immediately. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting or other personal consumer reports

I've disputed in the past and have not received any responses from these creditors or agencies. I am asking now for assistance in obtaining the requests outlined within my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX numerous times and have also made a complaint about them specifically to you, on my credit report with Equifax it shows they removed them from my credit report only to let them add it again. So it was successfully disputed and then they added the same information all over again. 
As far as XXXX goes I have disputed this debt of XXXX XXXX XXXX and they refuse to remove it knowing that this is an invalid debt and XXXX XXXX XXXX is illegally reporting false/invalid information to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

Please see the attached letter sent to collection company. Company is in violation of my consumer rights and the laws according to 15 U.S. Code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX  Equifax and XXXX have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues
Product: Credit reporting or other personal consumer reports

the credit bureaus are not reporting the same information about accounts listed on my credit report. 
XXXX shows my XXXX XXXX XXXX XXXX  account has an different monthly payment and balance then is listed XXXX XXXX XXXX 

XXXX reports on my XXXX XXXX XXXX XXXX XXXX that it is open and that consumer pays as agreed. XXXX and esxperian reports this account as closed and delequint. 

XXXX reports a different balance on my XXXX XXXX XXXX then the other XXXX reporting agencies. 

XXXX reports dept. of ed/XXXX  as a closed account the other XXXX reports it as opened.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report, and not to be VERIFIED nor UPDATED. 
Account XXXX XXXX Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # XXXX Account XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ ( XXXX XXXX XXXX  XXXX & [ XXXX XXXX XXXX ], & XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Product: Debt collection

LVNV funding LLC is showing up on my credit reports and I would like it removed due to the 15 USC 1693a code. I reached out to them and they couldnt verify my social or address and told me that they could not take legal action or had authorization to report to my credit due to the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX : company name who I now see is rated F by the XXXX So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX 

XXXX inquired hard on my credit 3x consent wasnt given for any of these.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I have been a victim of a data breach, and the accounts listed below were opened without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these accounts be blocked and removed from my credit report. 
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

took a look at my credit report and noticed inquires on your report i did not authorize or apply for which violates my consumer rights under 15 USC 1861b ( c ) and i would like these removed because it had a bad impact on my report 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

In accordance with the fair Reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

A Bank of America Checking account was open in my name without my knowledge. 
Received a bank statement in the mail with a XXXX balance for the month of XX/XX/XXXX thru XX/XX/XXXX no transactions Received another bank statement with no truncations and a service fee of {$4.00} for time frame XX/XX/XXXX thru XX/XX/XXXX I have never banked with Bank of America
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me, and I have no ties to the creditors mentioned. I urge you to promptly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX XXXX XXXX # XXXX account with Equifax since XXXX. This account needs to be deleted ASAP. I have multiple disputes and request to validate this account.After I didn't receive any response from XXXX XXXX XXXX I mailed them certified letter it was returned. Are they a legitimate company? I have not heard of them. What are they asking me to pay for? How to I supposedly owe them? I do not want to be their scam victim. There are enough challenges in the world. Equifax I have requested investigation, re-investigation, method of verification and everything else I could think of to clear my name. I will include a screenshot from Equifax.COM showing their address reporting. I will also include the letter that was returned undeliverable to the address listed for XXXX XXXX XXXX. Please remove this falsely reporting account it is a false representation to me as a consumer.