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

Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. Thereis not a possible way a debt can be validated under 15 U
.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX. XXXX fraudulent account XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a settlement offer from Sallie Mae. They said that they will accept {$7300.00} as a settlement. Sallie Mae said that once they received the final payment, they would forgive the remaining current balance and the loans be considered settled. 

I accepted the offer, saved up and made the full payment. It has now been over 2 months, and Sallie Mae is still not reflecting on my account of settled. 

Please please please assist. It is ruining my credit profile. 

I have letters from them and a receipt showing that I paid the amount agreed, if needed.
Product: Debt collection

Pro collect called me numerous times for no reason. They left no information on why they are calling repeatedly. I can not afford to repay my student loans or anything else because I have been adversely affected by the COVID-19 pandemic, I am unemployed, and have been homeless twice within the past 2 years. Proof of homelessness and financial hardship can be seen on my prior collection company complaints.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX  XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX XXXXXXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Payday loan, title loan, or personal loan

I financed a puppy through a company called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid {$2200.00} in cash and financed {$1000.00} through a company called XXXX, at the location. I was approved for {$1000.00} which I used to purchase the puppy. I was not given any paperwork or explanation on the loan process. Five payments later the company tells me I have been paying off the interest and not the loan. Therefore I still have 7 payments left. The store failed to explain the contract of the loan. I would not have taken it out had I known I would not have it paid off in 5 payments, like I originally thought. I felt like he didnt tell me the terms of the contract purposely.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Unauthorized accounts and transactions have been wrongly associated with me, causing considerable distress. As a victim of identity theft, I've already reported this incident. This situation urgently requires attention due to its negative impact on my financial status and reputation. I request your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, take legal action to defend my rights and seek compensation. Your swift response to this critical matter is greatly appreciated.
Product: Credit card or prepaid card

I filed a dispute with Bank of America due to a travel charge from XXXX for the amount of {$1900.00} on XXXX XXXX, XXXX. It took Bank of America over one month ( not until XXXX XXXX ) for them to even respond to my dispute with a letter to state they would do a provisional credit on my account. During this month that it took BOA to even do a provisional credit, I had still been in contact with XXXX to process a refund. During this time, XXXX 's representatives assured me they would process a FULL REFUND and I even had an email stating that they would honor this. However, instead of a FULL REFUND, XXXX only refunded me half of the amount. I made Bank of America aware of this and even sent in all documentation showing proof of communication with XXXX for a FULL REFUND. BOA then stated that they would send in this dispute with my documentation and that I would have to wait 45 days for the merchant to respond. XXXX then responded that they had a no refund clause and would not refund me the second half. I did not hear from BOA about the merchant 's response and had to call in to get more details. I was then told I would receive a letter stating the merchant 's response and that I could refute their response and continue the dispute. I never received this letter from BOA despite having asked for it to be mailed several times. I then wrote in my disagreement with the merchant 's response to BOA on XXXX XXXX, XXXX and was told that this dispute would then go to a third party arbitration. Up to this point, I still have not received a call or a letter from BOA about the progress on this dispute. Then surprisingly to me, I see that the provisional credit for half of the amount ( {$960.00} ) was then charged back on my card on XXXX XXXX, XXXX. I then called into BOA on XXXX XXXX, XXXX to discuss this charge back and why the dispute had not gone into arbitration. BOA simply stated that the dispute ended once the merchant responded they had a no refund policy. I then inquired why I was told it would go into arbitration and they stated that I did n't provide a credit memo and that my email was not a valid source of documentation showing proof that an XXXX agent would refund me the full amount. This has now led me to report BOA through the Consumer Financial Protection Bureau because this is unfair and unjust treatment to consumers. Not only has BOA neglected to communicate any details about the dispute, but have unwillingly tried to resolve the dispute in their customer 's favor. Instead, BOA takes a laissez-faire to disputes because it requires for them to do more work on their behalf. They also do not properly communicate anything to their consumers as I have not received any letters about the progress of this dispute or even that they would charge me back. BOA has the WORST customer service especially in regards to their dispute department and I have never experienced this type of terrible service from all other credit companies. This has now led me to believe that I should cancel my card and stick to my XXXX XXXX and XXXX cards.
Product: Debt collection

I am writing to dispute inaccurate information on my credit report and to notify you of my intent to pursue civil liability under 15 U.S.C. 16810 tor negligence in noncompliance with the Fair Credit Reporting Act ( FCRA ). The following discrepancies have been noted : XXXX XXXX XXXX XXXX 1 previously submitted a dispute, but the inaccuracies have not been corrected. Under 16810, 1 am entitled to seek damages for this failure to comply, which has negatively impacted my credit. I request that you : 1. Correct the inaccuracies immediately.

2. Investigate these issues in compliance with the FCRA. 3. Compensate me for any harm caused due to this negligence. 
Please address this matter promptly. If not resolved within 30 days, I will seek legal action as necessary. Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX, I received a text message validating that I had apply for something, but since identity theft is very common via text messages I did not open the text or link provided in the message. A mont after that XX/XX/XXXX, I decided to look at my credit report in XXXX XXXX app and I had a notification that my score dropped because of a few new inquiries in my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXXXX/XX/XXXX. TRANSUNIOM I have not make any inquiries on my credit report since XX/XX/XXXX, because I'm not looking to purchase anything at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX, XXXX, AND EQUIFAX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # :XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX EQUIFAXXXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX PLEASE DELETE
Product: Credit reporting or other personal consumer reports

XX/XX/2024. I sent lvnv resurgent a certified letter telling them that the amount was wrong account is immaculately reported bal wrong and total history was incorrect. I wanted a purchase agreement bill of sale from the trust company from synchrony to lvnv that XXXX have it and dont have any agreement between me and lvnv resurgent no contract exist therefore it must be deleted they are violating the fcra by selling my personal information to others without my consent some contained personal identify me consent was given to sell my info I also asked for legal proof of how they verified it was accurate. Using 15 usc 1681 i a. 6. B. (. Iii. They wont. They are running a fraudulent scam under fdcp. And fcra. They violate peoples lifes Account number. Account ending in XXXX
Product: Vehicle loan or lease

At the end of my Kia Finance lease XX/XX/2017 they attempted to charge me for wear and tear for {$680.00} even though I had purchased an insurance plan to cover any of these expenses when I originally leased the car. After pointing this out to Kia and sending them a copy of the insurance plan they told me not to pay any charges until they finished their research. After 3 months they charged off the {$680.00} and did not contact me. My payment record was spotless. All of my credit history is outstanding.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX. XXXX XXXX XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX of XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Product: Checking or savings account

I trust this message finds you well. My name is XXXX XXXX, and I have been a Chase customer since XXXX. I hold both a personal and business account under the name XXXX XXXX XXXX. 

To my surprise and concern, on XX/XX/XXXX, I discovered that my business account with Chase had been closed abruptly, and unfortunately, I received no prior notification or explanation for this action. 

Throughout the duration of my account, I have maintained a commendable financial record. There are no outstanding debts, and payments have consistently been made on time. However, I acknowledge that my business activity experienced a decline in the past months, primarily due to a challenging XXXX that required me to take some time off to rest. 

I am reaching out to request clarification on the reasons behind the sudden closure of my business account. It is imperative for me to understand the circumstances leading to this decision and to explore any potential steps for account recovery. 

Furthermore, I am concerned about the funds that were held in the closed account. As of XX/XX/XXXX, I have not received any communication or a check regarding the remaining balance. I kindly seek your assistance in providing information on the status of these funds and the steps necessary to facilitate their transfer. 

Your prompt attention to this matter is greatly appreciated. I would be grateful for any assistance you can provide in resolving this issue and ensuring a smooth transition of my account affairs. 

Thank you for your time and consideration. 

Sincerely,
Product: Debt collection

I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.
Product: Credit reporting or other personal consumer reports

The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.
Product: Debt collection

I had a hospital bill that was paid late by my insurance company. The debt was sent to a collections agency that has agreed that the debt is not due, when I speak to them on the phone, after I sent the proof it was paid. They continue to keep a Collection on my Credit report that is lowering my credit score. I 've tried to dispute it with the credit reporting agencies but the system of disputing a debt is useless since they do n't confirm anything.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, XXXX, and trans union regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.