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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in a fraudulent account being opened with XXXX XXXX XXXX. I had no knowledge or involvement in this account. 

Details of the Fraudulent Account : Company : XXXX XXXX XXXX Fraudulent Amount : {$30000.00} Fraud Began : XX/XX/year> Discovered : XX/XX/year> I submitted a formal dispute to TransUnion, along with an FTC Identity Theft Report and supporting documentation, including my ID and proof of address. Despite this, the fraudulent account has not been removed from my credit report. 

This inaccurate account is damaging my credit history and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate information removed promptly.
Product: Credit reporting

THE CREDIT REPORTING CONFIRMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. I SPOKE WITH XXXX FROM EQUIFAX ON XXXX/XXXX/2015 AND XXXX AND SHE VERIFIED THAT THE ACCOUNT # XXXX WITH XXXX XXXX XXXX XXXX HAS BEEN DELETED FROM MY CREDIT REPORT, BUT SHE DID NOT SHOW A SPECIFIC DATE OF DELETION. SHE STATED THAT SHE DOES NOT HAVE A SPECIFIC DATE FOR DELETION, BECAUSE IT HAS ALREADY BEEN DELETED. WHEN I VIEWED MY CREDIT REPORT, I NOTICE THAT THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AND I NEED FOR EQUIFAX TO SEND ME A NEW CREDIT REPORT WITH THE ACCOUNT # XXXX SHOWING DELETED FROM MY CREDIT REPORT. IT IS NOT RIGHT THAT THIS COMPANY CONTINUES TO REPORT INCORRECT INFORMATION TO MY CREDIT REPORT WITH CONTINUES TO DRIVED DOWN MY SCORE AND DAFAME MY CHARACTER HAS A RESPONSIBLE INDIVIDUAL. IT IS THEIR DUTY TO PROTECT CONSUMERS, AND I DO N'T FEEL AS THOUGH I AM RECEIVING THAT PROTECTION.
Product: Vehicle loan or lease

This has been going on so long I can not remember the exact date it started. I have tried writing the company and calling them. I can not get a response regardless of what number XXXX use to call or address I use to write them. When I make my monthly payment the recording always states I owe more than my payment. This is having an affect on my credit rating. Out of frustration and desperation I finally paid the amount they said was due but it did nothing for me. This month the same thing happened again. I have requested a hard copy of all my payments and can not get them to send one. I want a hard copy that shows how, when and why they keep coming up with their amount due. They do not cooperate at all or respond. I know for certain this was going on as far back and probably further back as XXXX of 2020. Can you please help me out of this mess? I am XXXX XXXX XXXX and feel they are taking advantage of me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA XXXX XXXX, XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card

Request for Removal of Late Payments from Credit Report - Reference Law 15 USC 1681a and 15 USC 1666b According to the Fair Credit Reporting Act ( FCRA ) as per Law 15 USC 1681a Definitions rules of construction ( 2 ) Exclusions the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I have recently reviewed my credit report and noticed that late payments have been recorded on my account for the months of XXXX, XXXX, and XX/XX/2023 on SOME not ALL reports. I would like the status updated to paid as agreed or okay. 

In light of this, I would like to draw your attention to Law 15 USC 1666b, which pertains to timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, on consumers reports furnished to credit reporting agencies. 

According to the law transactions ( late payments ) are not to be on my consumer report. I understand the information reported is by choice and not required. Your company according law is violating my rights and breaking the law. I've communicated this information to you all twice now and in writing in the mail with no response.
Product: Debt collection

Re-open CFPB complaint XXXX - I provided emails from the original debtor and court orders. Please explain why a 3rd party debt collection agency gets to override a court order for the one charge/ the original debtor directing me to move out and not pay further rent for the other charge. 

You dont get to ignore a court order and leave a collection account for child support that was always paid on time, and you don't get to sell off a " debt '' for back rent after telling the consumer they can move out without further rent owed.
Product: Credit reporting 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. 

First Progress : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX Bank : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX Bank : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : XXXX XXXX XXXX : # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified AND claims the it legally meet FCRA requirements but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status- ONE BUREAU IS REPORTING OPEN and THE OTHER IS REPORTING ACCOUNT CLOSED '', ''dispute status '' and ''date of last activity ''. NEITHER BUREAU IS SHOWING AN ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX and XXXX. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. Equifax : is reporting addresses that the other two agencies are not. Incorrect Addresses : XXXX. 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 XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : 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 ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Equifax, XXXX and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX both of and all of my Capital one cards where hit with fraud I am up to date on all my charges and I owe capital one nothing. Then XX/XX/2023 came and I tried very hard to get my phone number changed with my account with XXXX XXXX separate times through their live chat for XXXX individuals. All XXXX times using their link to send my drivers license it is not clear they received this or not. This is a security measure they use to change information in a person 's account. Now I have requested a alternative to a mandated phone call as a reasonable accommodation XXXX separate times since XX/XX/2023, so I can equally use their services yes I am XXXX. Capital one does not care to realize their are other types of XXXX that one who is XXXX XXXXXXXX, they insisted they are following XXXX laws by telling me to use XXXX XXXX XXXX In which my XXXX prevent me from using a phone period! I don't know this stuff and do not care to know this XXXX stuff. I recieve paperless bills but Capital one refuses to change my phone number since XXXX of 2023 so that I could pay the only debt I owe with Capital one and this is my annual fee for my XXXX  XXXX card. I did report this in the beginning with the CFPB and because nothing was resolved I suffered damages and grief from this. MY CREDIT SCORE MY PERFECT CREDIT SCORE WAS TARNISHED! Capital one reported delinquency for something that is their fault not mine. I need that credit so I could apply for a home repair loan to fix emergency major repairs to my house! Yeah thanks Capital one. When Capital one decided my XXXX are not covered under the XXXX they made a very very big mistake! I want all negative marks erased! I want Capital one to get over their head trip of security nonsense and change my XXXX phone number in my this is my # now XXXX XXXX XXXX XXXX but if you call I will not answer. Capital one requires a valid phone # just to get and keep a Capital one credit card. I want Capital one to waive their fees they put on this - my not being able to get into my account and pay my annual fee for my XXXX XXXX card. And I want Capital one to send me my new credit cards for my XXXX XXXX XXXX XXXX cards. They have canceled out my cards I have and nearly XXXX months later I have yet to get my new cards. That caused caous when both cards got hit this whole experience with capital one has caused grief and real damage. If the CFPB chooses not too resolve this until this is completely resolved I will be forced to file with XXXX rights of XXXX XXXX  for violations to the XXXX and XXXX XXXX. Hud is already aware with this situation XXXX XXXX XXXX XXXX hud enforcement XXXX. CFPB your partially responsible for this continuing and causing harm
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX  XXXX Balance Owed : {$1200.00}
Product: Debt collection

{$2400.00} XX/XX/13 this is my deceased father account
Product: Debt collection

I submitted a complaint against Hunter Warfield, for not contacting me and providing the validation letter from the alleged creditor. It is 30 days later, and I still have not received the following notice : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX ) to ( Hunter Warfield ) authorizing ( Hunter Warfield ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are.
Product: Student loan

I am writing to you because I am having difficulty obtaining stable employment due to my health. I am also requesting a payment that allows me to meet my medical and living expenses. I am not working due to several physical illnesses. I have XXXX XXXX, XXXX XXXX, XXXX XXXX  and generalized XXXX ( please see attached documentation ). I currently have no income and I do not foresee any improvement in the future, but my husband is willing to help me pay my student loans.

I obtained my XXXX XXXX in XXXX XXXX XXXX from XXXX inXX/XX/XXXX. I worked for three years with a very low starting salary. In XX/XX/XXXX, I was XXXX with XXXX XXXX   which has impaired me to continue in the field, but the amount of days which I am bed bound has also prevented me from obtaining any stable employment. My dreams and vision to help people with XXXX XXXX  has vanished.

Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan.

I believe I can afford to pay {$800.00} per month toward my loan. Please consider my offer, I am trying to reach out with all my best intentions. If you do not grant this request for a reduced payment plan, I will be at risk of default. If I received a reduced repayment plan, I may be able to avoid default, which is the best interest of all parties.

Please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response.

I hope we will be able to agree upon an acceptable repayment plan.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card with XXXX XXXX, card number, XXXX XXXX XXXX XXXX, and paid the balance by XX/XX/2022. I have all of the supporting documents that showed my credit card is closed. 
Two months later I received a bill for XXXX with not my credit card number.. A card ending in XXXX?
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding regarding their unlawful disclosure of my debt information to unauthorized individuals, specifically my family members. 

In lat 2023, I became aware that LVNV Funding had been contacting my mother and other family members, disclosing details about my outstanding debt without my consent. This breach of privacy has caused significant distress and embarrassment to both myself and my family. 

As a consumer, I have the right to privacy and confidentiality regarding my financial matters. LVNV Funding 's actions not only violate my rights but also disregard ethical standards and professional conduct. 

I demand tha

t LVNV Funding immediately cease all communication with my family members and refrain from sharing any further information about my debt without my explicit consent. Additionally, I expect LVNV Funding to issue a formal apology for their misconduct and implement measures to prevent similar incidents in the future. If LVNV Funding fails to address this matter satisfactorily, I will h
ave no choice but to pursue further action through regulatory authorities and legal channels.

I trust that you will take this complaint seriously and take appropriate steps to rectify the situation promptly.
Product: Credit reporting 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 XXXX5 USC 1681. Account name : 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 : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted my identity packet to the credit agency in regards to inaccurate information being reported on my consumer report, the agency did not provide any written consent of 100 % burden of proof nor have they removed the negative items from my credit file. I provided my Name, Date of Birth, Driver license and SS Card as proof of identity and the information is still showing on my credit to date. I am including again that information and I believe the credit agency is using a stall tactic as they have not provided me with what I requestd. I have not signed any XXXX form given my written consent and is requesting these items are removed from my consumer report within 4 days.
Product: Money transfer, virtual currency, or money service

My personal information and identity was stolen and used to take all my money as a result. I lost everything and nothing was done about it. I lost over {$10000.00} in cash with cash app. I contacted them and they did nothing about it. Please contact me as soon as possible. I would like to file a claim regarding this matter.