23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has repeatedly called our business line in attempt to collect a debt from one of our employees. I have repeatedly told them that they must call the personal phone number they have on file for the individual. They continue to call multiple times a week and have just today ( XX/XX/22 around XXXX XXXX EST ) asked me to give the employee the message to " call his finance company, we are looking for his car '', after getting in an argument with me because I asked they call his personal number. At this point, this company is harassing our business for a personal debt of one of our employees and it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, XXXX XXXX XXXX XXXX. but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.
Product: Credit reporting or other personal consumer reports

I advised the consumer reporting agencies of a public record ( bankruptcy ) that needed to be removed from my consumer report however it is still reporting. It has come to my attention that the information received in connection with this bankruptcy was not provided by the courts, but from 3rd party information gatherer such as XXXX. On my consumer report, the COURT is listed as the furnisher of the information instead of XXXX which is false reporting and a direct violation of FCRA 611. I have proof from the Court stating they didn't report any information pertaining to me to the consumer reporting agencies therefore I am demanding the bankruptcy is permanently deleted from my consumer report as reporting this item doesn't comply with FCRA 611 ( 15 USC 1681i ) and the information must be deleted IMMEDIATELY! 

This also violates the Privacy Act of 1974 as I have never given written or verbal permission to the consumer reporting agencies to report any information about me or my affairs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Balance updated XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$830.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$140.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$6000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5900.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$7000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT Balance - Balance updated - XXXX XXXX Original creditor XXXX Balance {$1100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The bank veros credit put me as the signer of a car i never drove or touched it was my brother who got the car and it was suppose to be in his name not mine and I wasnt told the car was used in my credit and when they called me and tild me about the car i told them not to give him the car because i never allowed my credit to be used and i was told i would only sign because i had a drivers license to let it go off the lot i was never told by the seller my credit was being used. they keep threatening me that they will take money from my checks and put me in jailthen I was told it will be removed because the car sold and wont remove it from my credit my brother XXXX XXXX was the owner of the car and told them already that he was taking full responsibility for the car payment because of the mix up. They repositioned the car that i did not know about. At the time he had the car in floridai had my own car and my own payment with XXXX XXXX at the XXXX credit has me bad on my credit and i have been fighting them for 2 years and they will not remove it. I called a few days ago and I was told it will be moved to my brothers name since he spoke with them and off my credit and they will remove all delinquency and nothing has been done. 
Its saying i owe XXXX I have no account number I have no info on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent notice to XXXX XXXX, CEO & XXXX XXXX, SENIOR VICE PRESIDENT to cease and desist any action to defame my character ( attached ). This was sent certified mail and confirmed received on XX/XX/XXXX. No response was provided from this company. The company was notified that if they failed to respond within 21 days, they accepted the debt in question as their own. Today, XX/XX/XXXX I noticed that their company has officially defamed my character on my consumer reports without consent. Not only did I try to communicate with this company to amicably work to an appropriate solution, but I also gave them notice of what would happen should they harass me in the future. These are violate business practices. Their initial document had no date, it provided no proof of their allegations, they provided no tax documentation to support their claim, and their company is not a law firm. The company decided to harass me further by harming my credit report. This is pure harassment. There is plenty of precedent that has been set by multiple honorable courts that these actions are subject to remedy in the eyes of the law. Further, this is no excuse for this companies ignorance of the law as can be seen by over 200 years of precedent. All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. I am not sure why this company has chosen to harass me, but as mentioned in my letter sent certified mail, I informed the company of what would happen.
Product: Credit card or prepaid card

I have been harassed by XXXX XXXX credit unit. They call me all the time using unknown. I answer the first time and told them I wasnt able to pay because I was struggling to my bills and rent. they gave me a later day to pay but they still call me from Unknown everyday 5 times a day! This is harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  Transunion received its second complaint in regards to incorrect reporting on my credit file. Transunion has failed to comply with 15 USC Section 1681n and 1671o. 
XXXX Account XXXX and others. Transunion was notified that all XXXX XXXX are XXXX XXXX  of Texas, PA account associated with the XXXX XXXX and were paid by the XXXX. Under the XXXX XXXX XXXX XXXX of 2018 " Prohibiting medical debt that should have been paid by the XXXX to be reported as part of a veteran 's credit history. Yet Transunion continues to report these XXXX. accounts under my name and my credit report. 
XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Transunion continues to ignore the court order and reports this account as charged-off. 
XXXX XXXX Acct XXXX Transunion has the letter from XXXX XXXX  that they were unable to properly identify me as the holder of the account. A police report, a criminal identy theft case was filed with XXXX XXXX XXXX as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. 
XXXX XXXX  A police report, a criminal identy theft case was filed with XXXX XXXX XXXX  as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX said it can not verify the account due to the police report and the identity theft.This is the same account as XXXX XXXX, just resold. 
XXXX XXXX XXXX. 
The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Transunion falsely claims the account was verified. 

Rather than remove the items Transunion wants my dispute to confirm to its automated system rather than actually verify the information.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List of negative accounts from your Equifax credit report, accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

JPMC bank sent my account to a collection agency who refused to work with me even though I referred the account to a settlement agency. They garnished my wages. I received a letter from the collection agency that the account was paid in full/judgement paid and satisfied. They even sent me an overpayment check. XXXX XXXX XXXX also sent me correspondence of the garnishment being paid in full through their office and also sent me a check for overpayment. My credit shows I still owe a balance of {$670.00} although I have documentation it was paid in full. I have disputed this with JPMC, and the XXXX XXXX XXXX and XXXX. My credit still shows charged off with a balance of {$670.00}.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. 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 the 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 also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion 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 certified 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 Enablement of Identity Fraud 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 an 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. My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have taken over XXXX business days after I notified them of alleged identity theft. The date of receipt was on XX/XX/2024. I sent certified tracking to make sure : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I am requesting for the block and delete of the affected accounts on my consumer report. I have already provided the following : ( 1 ) appropriate proof of the identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information; and ( 4 ) a statement that the information is not information relating to any transaction by me. This is not an error on my part to block and delete this information. I never gave consent for my information to be shared or used with these accounts. There is also no material misrepresentation of fact by me, the consumer relevant to the request to block. I am in urgent need of my consumer report to be corrected asap and am exercising my right under 605b. Please comply with my rights as a consumer. I am a business owner and consumer and you can imagine that this can be damaging to me if this persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Pleasa remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national breach.
Product: Payday loan, title loan, or personal loan

I have made 8 payments of {$280.00} to a loan with a principal balance of {$9400.00}. Of these 8 payments only {$560.00} has been applied to the principal. My interest rate is 27 %. Nowhere in the promissory note does it state that they would be heavily front loading interest payments. I have paid a total of {$2200.00} and 75 % of this amount has gone to interest on an account where my interest rate is 27 %. I have never been late and have never missed a payment. I called the company and they could not explain this to me. I also asked for a call back from a manager and they never called me back. I have screen shots showing how much of each of my payments has been applied to both interest and principal. This is easily predator lending at best. My last payment on XX/XX/21, the full {$280.00} was applied to interest and they could not explain to me why! Nowhere in their promissory note does it state that interest would be front loaded in the beginning and then taper off. Im not even sure that is whats happening since I never received a proper explanation or call back from management. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX TransUnion XXXX XXXX 2000 XXXX Pennsylvania XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Please review the Inaccurate Information being report 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear Provide me with any documentation you rely on if the disputed information is verified as accurate. And comprehensible manner. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30- day timeframe. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian 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 XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.