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

Consumer Reports Regarding Address Discrepancies to all 3 Credit reports Experian, XXXX, XXXX. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 Credit Reports.
Product: Debt collection

Port Folio, representing XXXX, is trying to collect a debt that is more than 4 years old. It was acquired XXXX, I now live in XXXX. According to the debt collection laws, XXXX states say that the debtors can no longer pursue you after 4 years. They keep calling me on my private cell phone number I have no idea how they got it. I lost my business XX/XX/XXXX due to the economy collapse and could no longer pay my credit card. The last payment was sent to them XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct # XXXX, XXXX XXXX  acct # XXXX.
Product: Debt collection

I can not believe I am filing yet another complaint re : a collection company of XXXX XXXX XXXX. Yes, once again XXXX XXXX XXXX is alleging I owe them money on a cell phone. I can not stress the level of anger I'm feeling that this company continues to allow someone/bad actors to continue to use my information ( ssn and possibly email address ) to continue to open accounts. I have asked repeatedly that they flag my SSN or other info with no success. Please let me know what to do to stop this financial harassment. Every few months now I find myself battling this company over the same thing! Please make it stop!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I contacted lender to pick up their collateral of my vehicle, sell the vehicle and apply proceeds to balance. Unfortuanely, after many calls and emails they have not obtained property from my residence, and have fradulenty reported this as bad debt, and has sent my info to an attoreny for collection without adhering to the signed contract on XX/XX/XXXX, which indicates GA Penal Code 11-9-610 default per collateral. I am attaching all documents to support my complaint. The law firm that is now harrassing me is none other than : XXXX XXXX XXXX, XXXX ; of XXXX AL. I was unemployed and was unable to make payments, and therefore, I honored our agreement to surrender my XXXX XXXX XXXX to comply with contract. However, One Main Financial has breached their commitmement to take possession, and have now submitted false information to all three credit agencies as a bad and derogatory debt.
Product: Credit reporting or other personal consumer reports

I mailed disputes to XXXX, XXXX XXXX TransUnion in XX/XX/year> & requested removal of the inaccurate accounts from XXXX XXXX {$960.00}. No response or update toy credit file. I am writing to formally dispute the charge-off listed with XXXX XXXX, as I believe it contains inaccuracies. Please remove this a count in accordance with the Fair Credit Reporting Act ( FCRA ). I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I entered an uninformed decision with XXXX XXXX Account XXXX. As a creditor they took advantage of me thus committing fraud. 
Pursuant 15 US Code 1601 ( a ) in order for me to make a decision I must be informed i.e., it takes two CONSENTING parties to make an agreement. Any agreement put in place should be clear and conspicuous ( Pursuant 15 US Code 1602 ( a ) -- which you all have failed to provide. A 30-page computer generated agreement is not clear nor conspicuous and thus you could not expect a consumer to reasonably know its meaning. There is no evidence of indebtedness as a clear and conspicuous agreement was never put in place thus making this transaction null and void ( k ). You all are reporting a past due amount on a closed account which is not possible if the account is no longer active. You all sold the alleged debt to another company without my permission and never provided me with that information.

You all are illegally furnishing income to my credit and never provided me with a 1099C associated with this account. Pursuant FCRA laws once the debt was sold to a third party you all lost permission to report anything to my consumer report. I believe an amicable resolution for all parties is to update the credit bureaus with the removal of this account. Please note all three bureaus have been put on notice of your frivolous actions as well as your state attorney general and the federal reserve. To all three bureaus I am sure your legal team will agree this account needs to be remover from my report immediately.

This is my last intent to resolve the issue at hand before moving forward with legal proceedings. I expect a response to this notice within thirty days and would highly appreciate your cooperation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/year>
Product: Vehicle loan or lease

In XX/XX/2022 I paid off my loan with Truist for my XXXX. I paid it the same day that I requested a payoff. They have refused to release my title. I get a monthly statement from them that says the balance is {$0.00}. Total amount due {$0.00}. I would appreciate any help having this resolved and me receiving my title. I have been to two different branches asking for help. I did recieve a letter from a lady at Truist four months ago. I have called and left several messages and she will not respond to me.
Product: Credit reporting

As per the debt collection agency - XXXX, the debt of {$64.00} was requested to be removed from all Credit Reporting Agencies in XXXX 2016. It is still showing on Equifax. See portion of communication from XXXX to CFPB - *** " In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX credit history in XXXX. '' *** I want this debt removed from my credit! ( SEE ATTACHED TRANSCRIPT DIRECTLY FROM XXXX TO CFPB-HIGHLIGHTED IN YELLOW )
Product: Credit reporting

On XXXX XXXX, 2015, I tested the integrity of Transunion ( " TU '' ) by disputing amount owed on XXXX XXXX Account ending in XXXX. 

On XXXX XXXX, 2015, TU instantly deleted the disputed account without verification or permission from the original creditor XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX verified to me that on XXXX XXXX, 2015 XXXX XXXX sent letter to TU to report the account. 

On XXXX XXXX, 2015, I spent about an hour trying to resolve this issue with TU customer service in XXXX. Representatives refused to give their names or ID numbers told me that they ca n't report it until they receive new electronic information from XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX told me that TU is legally obligated to report the disputed account, and last electronically reported the disputed account on XXXX XXXX, 2015. 

TU clams that I deleted the disputed account, which is insulting & outrageous.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments on TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

XXXX XXXX XXXX XXXXXXXX Account Name : Credit one Dates reporting NOT accurate : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below 600 credit score bad. I really need help with this. Its preventing me to live my life : (
Product: Debt collection

Stenger and Stenger, XXXX XXXX, Michigan took me to court for a credit card bill and I asked for proof of debt and the case was rescheduled. They mailed me copies of page 1 statements with a noted balance along with a copy of a standard " XXXX XXXX Customer Agreement ''. When we went back to court they said they would send me statement of fraud forms to fill out which asked me to write my name out 5 times. I have been a victim of fraud several times. The instances have included, but not limited to, social security numbers and taxes on two different occasions and most recently someone attempting to forward a debit card belonging to me to Florida. In no way am I comfortable sending several copies of my signature to a company whose business it is to unscrupulously collect debt from consumers. This is against the law because it is the plaintiff 's burden to validate debt. The court is not enforcing this and they both have the upper hand because they know the law and I do not. It is my opinion that the court and the credit collector are using fear and intimidation tactics to unlawfully gain money knowing that I am a layman in matters of law. Stenger and Stenger are refusing to validate the debt and instead hoping that I will concede out of fear or be made to pay by the court because I have no way of disproving their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2014 I contacted XXXX XXXX XXXX XXXX. in reference to a charge I had been disputing an account with XXXX XXXX XXXX/Mariner Finance Company. The matter had been resolved due to a settlement agreement. The account is still reporting with a balance due and opened which is inaccurate. This has been reporting now for several years when it was already resolved.
I sent Mariner fiance a letter explaining the issue and they have yet to respond. There is no money owed to this company and has n't been for sometime now and yet they are still reporting a balance and will not respond to my request.
This has also been disputed with the credit reporting agencies yet they are still reporting the information.
This is very upsetting and it needs to be cleared up immediately. I have been trying to get this resolved and it 's affecting my ability to make any type of financial move. This is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX ACCOUNT # 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.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Verification Documentation Dear Experian, I am writing to formally demand the specific details and documentation regarding the verification process of the following accounts that have been inaccurately reported on my credit report and were returned as " verified '' after my recent dispute : XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation to verify the accuracy of the information disputed. As part of this process, I am entitled to request and receive comprehensive details on how these accounts were verified. This includes, but is not limited to, the original creditors documentation, signed agreements, and any other pertinent information that was utilized during your verification process. 

Given the serious impact inaccurate credit reporting can have, I insist on receiving : Copies of any and all documents, records, and electronic information that were used to verify the accuracy of these accounts. 

A detailed explanation of the procedures used during your investigation and the specific methods employed to validate the disputed information. 

The name and contact information of the person or entity who conducted the verification. 

I expect a thorough and timely response. Failure to provide this information will leave me no choice but to consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General, as well as seeking legal counsel to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute letter dated [ XX/XX/XXXX ] concerning inaccuracies on my credit report. It has now been [ 36 ] days since the 30-day investigation period mandated by the Fair Credit Reporting Act ( FCRA ) expired. 

Your failure to adhere to the FCRA, 15 U.S.C. 1681i, which requires a response within 30 days, constitutes a clear violation of federal law. This statute mandates that you conduct a thorough investigation of my dispute and provide a resolution within the specified timeframe. Your inaction is unacceptable and not only impairs my credit standing but also infringes upon my rights as a consumer. 

The disputed items remain unresolved, and the details are as follows : XXXX Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Miscellaneous Finance Date of Inquiry : XX/XX/XXXX XXXX  Type of Business : Miscellaneous Finance Date of Inquiry : XX/XX/XXXX XXXX  Type of Business : Miscellaneous Finance Date of Inquiry : XX/XX/XXXX Enclosed are copies of my original dispute letter and the supporting documentation previously provided. Given your non-compliance with the legal requirements, I demand that you immediately : Complete your investigation : Correct or remove the inaccurate information from my credit report without further delay. 
Provide a written response : Detail the results of your investigation and confirm the actions taken to rectify this issue. 
If you fail to comply with these demands within the next 10 days, I will have no choice but to escalate this matter by filing a formal complaint under my rights under the FCRA. 

This situation requires your immediate attention. I expect a prompt resolution to avoid further legal and regulatory actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on multiple times over the past year i have asked EQUIFAX to respond to a negative item on my report that provide NO infoamtion for me to investigate further! 

all it says XXXX $ is owed wit no addesss or no number or NO COMPANY this is from XX/XX/2017 they contunue to update it monthly but never rectify or respond back to me where it is from. 

when i call them i am disconnected please someone help!
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company Experian. 

ACCOUNTS XXXX  {$730.00} # XXXX XXXX XXXX {$10000.00} # XXXX JXXXX XXXX {$7200.00} # XXXX XXXX XXXX  {$730.00} # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights account opened XX/XX/2021 for {$1200.00} 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
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 XXXX XXXX XXXX. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  account number 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. States a consumer reporting agency can not furnish an account with my written instructions.