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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX 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 : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my consumer report. to this day over 45 days later I have not received a response as of yet. I feel like my disputes are being ignored and im being taken advantage of. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report it has been XXXX  days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In 2022 I purchased a vehicle from XXXX  had it financed through their company cnac and insured through XXXX. XXXX  months later I was in a tragic accident leaving me in a XXXX XXXX XXXX for XXXX months and losing my leg. During this time I was under the impression my insurance paid the loan off and I never received a text, email or phone call that I owed them money. Now I am trying to purchase another vehicle and my credit report shows the vehicle as being repossessed and me still owing cnac  XXXX. 
I attempted to call them today and was yelled at and hung up on by XXXX of their supervisors and when I attempted to call back I was hung up on as soon as I gave my name and the third time I called they no longer could locate my account and I was told a supervisor would return my call but that never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded.

report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

While attempting to refinance my home mortgage in XX/XX/XXXX and XX/XX/XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX I c/o XXXX XXXX XXXX. Amount of {$390.00} had been sent to collections in XX/XX/XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other alias 's for that matter. Furthermore I have never lived in LA nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX and the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my XXXX Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report XX/XX/XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, Equifax/FICO and XXXX/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that Equifax and XXXX would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have XXXX and Equifax delete the collections information and remove the name of XXXX XXXX from my credit reports. Also Equifax and XXXX have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, XXXX since XX/XX/XXXX and no other city or state.
Product: Debt collection

I reviewed my credit today and saw a new collection reported to my consumer file from Credence Resource Management. This company has violated my rights by not sending me any type of letter or communication that they were reporting anything on my consumer file. They did not give me a chance to review anything concerning this alleged debt. I request that this company send me the original purchase agreement when they purchased this alleged debt. I have the right to verify any and all information of this alleged debt to validate if this debt belongs to me. I also request a copy of their license to see if they are allowed to collect in my state. Furthermore this alleged debt has been reporting to my consumer file from XXXX different companies and no one has sent me valid documents for verification so its deleted and resold. It is a hassle keep complaining about this issue and I request that it stop being resold and stop being reported on my file. My next step is filing a law suit. Also I have not given anyone permission to sell anything with my personal information this is a violation of privacy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Dispute Letter/Affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Email : XXXX XX/XX/XXXX I have made several attempts to address the inaccurate, outdated information, charge offs written off, fraudulent. I have discovered accounts with several errors which is adversely affecting my credit unfavorably. These accounts need to be investigated and removed immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my names be remove and any other names, addresses and telephone numbers that Company Account Number Account Status Payment Status XXXX XXXX # XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX  # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION XXXX XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACCOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACOOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX XXXX # XXXX Collection Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION THE BUREAUS # XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party XXXX XXXX XXXX # XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete all names that do not belong to me : XXXX XXXX XXXX XXXX XXXX Please Delete all PHONE NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XXXX XX/XX/year> **Experian Information Solutions , Inc.** XXXX XXXX XXXX XXXX, TX XXXX **Subject : Formal Dispute of Inaccurate Information on My Credit Report** Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to have it corrected. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The lawsuit outlines multiple failures by Experian, including : - Failing to conduct a reasonable reinvestigation of disputed information. 
- Failing to forward all relevant dispute information to data furnishers. 
- Incorrectly notifying consumers of dispute outcomes with unclear or misleading responses. 
- Allowing deleted inaccurate information to be reinserted into consumer reports without proper verification. 

These same issues have occurred in my case, as I have repeatedly disputed, XXXX XXXX XXXX is not an account I created nor authorized on my credit report. Despite providing supporting documentation, Experian has failed to adequately investigate and correct these inaccuracies, negatively impacting my creditworthiness. 

Under the FCRA ( 15 U.S.C. 1681i ), Experian is legally required to conduct a **reasonable reinvestigation** of disputed information and notify me of the results clearly. Furthermore, if Experian can not verify the accuracy of the disputed item, it must **delete or correct** the information. Given the CFPBs lawsuit alleging Experians systemic failure to comply with these obligations, I am demanding immediate action on my dispute. 

Enclosed with this letter, I have included the following : 1. A copy of my credit report with the disputed items highlighted.

2. Supporting documentation proving the inaccuracy of the disputed items. 

I request that you immediately reinvestigate these errors and provide a clear and detailed explanation of your findings. If Experian is unable to verify the disputed information as accurate, it must be **removed from my credit report**. 

Failure to correct these errors in a timely manner may result in further action, including filing complaints with the CFPB and pursuing legal remedies. Please respond to this dispute within the **30-day timeframe** required under the FCRA. 

I expect confirmation of this dispute and a proper resolution. You may contact me at XXXX or XXXX should you require any additional information. 

Sincerely, XXXX XXXX XXXX ( Enclosures : Copy of credit report, Supporting documents )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had three accounts with Navy Federal Credit Union, and due to financial hardship in XX/XX/XXXX, I fell behind on my payments. A settlement was paid in XX/XX/XXXX on all three accounts and the remaining balances were charged off.

I reached out to NFCU in XX/XX/XXXX, because my accounts are still being reported to the credit bureaus as still owing the balances that were charged off. I was assured by the Collection Department representative I spoke with that I no longer owe NFCU on these accounts or these balances, and they resent me letters in the mail dated XX/XX/XXXX, stating the payments made in the settlement of these accounts and that no further collection activity will occur.

I attempted to dispute the incorrect information on my credit reports ( that there is a XXXX balance as a settlement was paid ), but it is still being reported on my credit report that I owe the charged off balances.
Product: Checking or savings account

My checking account was hacked and funds transferred out on  X/XX/22   . I calle d Chase the  same day and reported the theft. I was emailed a form to fax to their online claims department. I was told to go to a chase branch and close my account and opne a new account. I did so and the chase employee sent the claim form to the claim department. I called to check on my status on  X/XX/22   . They said they never received the form. I re faxed form and have. I called again on  X/XX/22    and was told they did not receive the form. I asked to speak to someone or be given a name to fax the form directly to. the call center said they do no have a contact name or number for me to call nor an email address. How can I see if the form was received if they have no person to talk to too.   They claim the are just a call center and all information flow from the claim center. The call center is in the  XXXX .   The address of the claims center is :  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  -  XXXX  FAX  XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Chase Bank wired a transfer from my personal checking account to a closed/defunct checking account. The bank has not refunded my account. 

I have not been able to get a refund from Chase for ( at the time of this writing ) 75 days. 

I have spoken to branch managers ( both in person, via email and over phone ), I have been promised a check in the mail ( with no reference number ), I have worked through customer branch complaints multiple times ( had to force them to re-open my case which they decided to close ) ; I have had to reach out to Chase Bank 's third-party vendors to ask about transfer details ( despite Chase making the mistake ) ; I have spoken to corporate/executive complaints office with no movement. 

Value of transfer : between {$900.00} and {$1000.00} 75 days ( and counting ) for a mistake made by the bank. I should not be the party responsible for seeking these funds ( wherever they are ).
Product: Debt collection

To whom this may concern I am writing to request validation of the debt that you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information regarding the debt
Product: Checking or savings account

i have had regions checking and savings for 28 years my routing number has always been XXXX i used this as i have every year on my tax retun to obtain my refund this year my refund kicked back because of routing number when i called XXXX XXXX branch manager @ regions bank XXXX nmls XXXX was told my routing number was different he could not tell me when the change occured i contacted XXXX regions AHC department with XXXX and XXXX on XXXX and was told my number was different but could not tell me when it was changed
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. I, therefore, insist on a thorough and immediate investigation to remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXXBalance Owed : {$590.00} XXXX XXXX XXXX  Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$4100.00} XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$960.00} XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.