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

The Declaration of Independence : Under the authority of the Consumer Financial Protection Bureau ( CFPB ) as provided by 12 CFR 1026.23 ( d ) ( 2 ) - Right of Rescission, I, XXXX XXXX, hereby invoke my right to dispute and request the rescission of credit transactions reported by XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. These disputed transactions are subject to rescission because they were not authorized by me, hence violating the principles set forth in the Truth in Lending Act ( TILA ), as implemented by the CFPB 's Regulation Z ( 12 CFR 1026 ).

In accordance with 12 CFR 1026.23 ( d ) ( 2 ), a consumer 's right of rescission renders any security interest void upon exercise of this right. Therefore, I am not liable for any charges or debts purportedly incurred under these disputed transactions [ 1 ].

Furthermore, Regulation Z ( 12 CFR 1026.15 ) stipulates the procedure for exercising the right to rescind, which includes notification to the creditor via mail, telegram, or other written communication [ 2 ]. Accordingly, this letter serves as formal notification of my intention to rescind these transactions. Please explain to me how, in both cases, it is undeniable that they were handled exactly the same, both closed and written off in the exact same way. Yet, one was deleted from my credit report but then put back on, while the other stayed on my credit report. How and what makes one be completely removed and the other remain for 7 years? I have disputed them in the same manner, being that they are the same : 'closed/written off ' without my signature or a record of the advancement being taken on my accounts. Yet, one is removed and the other is not. Is this what your company considers fair, equal findings?

What makes one different from the other? It's not fair, clearly placing me in harm 's way and intentionally harming my well-being. Also, I ask why you take the accounts off then put them back on with different dates and different prices? My person and my rights are being violated by the two described parties, as well as this reporting company, by the Constitution of the United States of America.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 
Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.
Product: Debt collection

I live in XXXX on XXXX XXXX XXXX XXXX Mi. My condo is XXXX ' from maintanace garage specifically my office window. A XXXX women honked for XXXX min needing help. Her question about a hospice delivery and didn't want violation. She HONKED XXXX min outside my window & maintenance not coming out. I went she had a walker, i said i would help her and get maintanace. I in went XXXX garage to get maintenance man I have on video all nice I am fined {$1000.00} for interfering and recording maintanace complained?? because lawyer wont tell me UNFAIR H O A COLLECTION PRACTICES ON FINES AND VIOLATIONS I HAVE XXXX UNFAIR VIOLATIONS THIS MONTH TOTALING {$2000.00} ALL WRONG AND I HAVE WITNESS AND VIDEO
Product: Debt collection

As a service member in the United States XXXX when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days. <P/>Termination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 ) Military persons who live in rental  property are allowed to terminate leases entered into prior to a period of active service. It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm use, or other similar purpose, where the person leasing the property later enters active duty in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a permanent change of duty station ( PCS ) or to deploy with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent. <P/>In XXXX 2014, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises. <P/>To this date, there is a collections account on my credit report for {$3300.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere! I have attempted numerous times for the past 2.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service members!
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX, has contacted me by phone and informed me of a debt that she is trying to collect. 
She told me that the debt was from a XXXX credit card and the unpaid balance was XXXX dollars plus interest of XXXX dollars and that I should pay this immediately or she would turn it over to the attorney. I requested that XXXX send me information about the debt proving that it is mine. XXXX stated that a letter had already been sent. 
I have not received any mail from ARA Inc. I did, today send a registered letter requesting information about the debt in question and I dispute ownership of this debt. I believe the threat of legal action and the attempt to collect XXXX XXXX in interest are both illegal.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It would be ideal if you be exhorted that I have gotten your PC produced letter expressing that you have stopped examination of my credit reports in light of the fact that, as you would see it, you accept that I host utilized a third get-together credit fix office. In addition to the fact that I believe this to be a slow down strategy on your part to concede you an extra 30 days to consent to my unique solicitation, however, I trust it to be an unmitigated infringement of the FCRA. 

You were exhorted by me on XXXX and XXXX by guaranteed mail ( duplicate encased ) that I scrutinized the precision of a couple of things on my credit reports. That solicitation was composed by me and sent by me-not an outsider office. It seems clear to me that you are mishandling your capacity under the FCRA to get away from a total examination. 
Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 
Your response to this complaint should contain an original application baring my signature! Anything less then this is a violation of the FCRA
Product: Debt collection

Dating back to XXXX my personal information was used to obtain a payday loan and siphon by bank account at the time. When noticing significant money leaving my bank account after talking with a representative at my financial institution month after month to resolve, I was instructed to close the bank account and to open a different account so this doesn't happen again. From XX/XX/XXXX - To now ( XX/XX/XXXX ) I have been called by debt collectors on my work cellphone from a new company each month claiming that I owe them money for a Payday loan that is physically unobtainable in the state I live in. It got to the point where these companies started to call my family members for this fraudulent debt. After saying this is Identity Theft from my info that's available on the dark web & people finding sites the company leaves me alone and gives it to another company since their stories & reasons for collecting change every time. This time I received a notification on my credit report that I have a collections account from Consumer Adjustment CO. I look at the details and its because of the XXXX fraud. My identity is still compromised because of this fraud years ago. I put freezes on my credit reports and social number then contacted XXXXonsumer Adjustment CO. After talking to the representative, the information they were asking me about was the information available online used in the fraud. They were trying to put words in my mouth to make it seem like it was me, but they could not tell me my current address or the actual date of when this identity theft took place and tried to get me to say more information about me. 

Even when you think that you have taken care of identity theft, they keep coming back. The dark web is a dangerous place and I have been a victim of my information on there for a long time, the most recent is my social security number and email in attempt to make a XXXX XXXX XXXXXXXX account on XX/XX/XXXX and XX/XX/XXXX of this year where they knew my full social. I pray that nobody else has to go through identity theft
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 15 USC 1681 Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as Experian, XXXX  and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Product: Credit card

I have been charged late fees on my Barclay 's MasterCard ( credit card ). 
I collect Social Security and make all my payments on or around the XXXX of each month ; in line with when I get my Social Security check ( on or around the XXXX. ) I recently looked at my Barclay 's statement and saw that they 've been charging me a large late fee - almost every month - since almost 2105. 
I sent them a XXXX-page letter along with a printout of their spreadsheet about my account. From that letter and the spreadsheet, you can see that I 've always made my payments ; how they credit my account is NOT correct. 
They have sent me a letter asking me to call. This is not feasible ; they 're most recent letter to me makes little sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. 
I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes over the last 2 years with XXXX and XXXX requesting verification and the removal of the Southwest Recovery Services. Credit Bureau disputed were filed XX/XX/XXXX and XXXX XXXX. They continue to send results back the account is verified even though I do not owe Southwest Recovery Services {$4200.00}. On XX/XX/XXXX I reached out directly to Southwest Recovery Services and requested debt validation and they too did not validate the account nor the accuracy of the reporting in their response.
Product: Credit reporting or other personal consumer reports

I contacted Transunion on XX/XX/XXXX to dispute a report of an open account with missed payments to XXXX. They are reporting XX/XX/XXXX and that the account remains open. The information is inaccurate. the account was late in XXXX and paid in full and closed in XXXX. I contacted XXXX and they verified the account is closed and paid. Transunion in the dispute resolution states their information is accurate when it is not. XXXX and XXXX are reporting correctly - Transunion is not.
Product: Credit card

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEM DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I WAS IN FACT A VICTIM OF THIS DATA BREACH EQUIFAX HAS NOT DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Someone has stolen my identity sometime between XXXX -- XXXX they have trying to open several accounts one that we know for sure was Home Depot through Citibank and there are some others but I am not sure what companies that they are from. 
The people who put this in motion and gotten my information all of my stuff and once they had the account open used it and ran up the bill when they called to request payment from debt collections I had no idea what they were talking about I didn't think I should pay for something that I did not authorize and then they started threatening me with garnishments and arrest all kinds of things and then XXXX and send a summons that I have to go to court but they're going to voicemail thing and I'm really not understanding how all this can happen? 
I would really like someone to help me understand how people do this and how it's almost invisible until it's too late and then when you try to stop it you can't?
Product: Debt collection

I received a collection agency debt from Cedars Business, stating that I owe {$140.00} to XXXX. I requested documentation to be provided, because I didn't believe this was something I owed. 
I emailed them, asking to confirm that they will NOT send my info to the credit score agencies until they receive the documentation. They assured me IN WRITING that nothing will be reported until I they received documentation. 
I applied for mortgage and was denied because there is now a derogatory remark on my credit score... They DID send my info without confirming the debt. I believe the collection agency violated my rights This is their last email : Hello XXXX. 

We understand your concern. We have sent a reminder to them to send over the documents to our office. While we are waiting for the documents, we place a hold on your file so no action is taken against your credit while we wait for the documents. 

We hope this information is helpful and look forward to getting you the information you need.
Product: Credit card

On XX/XX/XXXX I mailed a certified letter to Navy Federal Credit Union. The letter explained the inaccurate reporting of XXXX accounts on my consumer report. According to my consumer reports from XXXX, XXXX and XXXX XXXX credit card accounts and one unsecured account was charged off ( XXXX, XXXX, and XX/XX/XXXX ). The IRS clearly defines a charge off as gross or ordinary income. According to IRS Publication 4681 a charge off or canceled debt must be reported as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency or other applicable entity. I never received my copy of Form 1099-C for the three charged off accounts. Navy Federal is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the accounts from my consumer reports. Navy Federal Credit Union responded with a letter dated XX/XX/XXXX stating the information is being accurately reported to the consumer reporting agencies. Income does not get reported on consumer reports which in fact makes the reporting of these accounts inaccurate. By definition, the IRS clearly says a canceled debt or charge off is income. The reporting of these accounts as a debt is inaccurate.
Product: Credit reporting

SOS Loans, LLC has a public record listed on my report as of XX/XX/XXXX. I was never served with any paperwork leading to this judgement. As soon as I saw this on my credit report I called and made arrangements but they refuse to remove from all XXXX credit bureaus. Even though they lied in court to get a judgment i was never notified about. My husband was tragically killed in a car accident on XX/XX/XXXX. I have XXXX children & no life insurance policy for him. I 'm not or never have i ignored there letters but i never received anything from sos loans inc