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

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information.

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX I XX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXX upon me finding unverifiable, Invalidated, Inaccurate, and questionable items that the agency didn't make sure it was reporting 100 % correct. On XX/XX/2017 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " they do not report bankruptcies to anyone. " So if that's the case.How did the credit bureaus verify the bankruptcy as 100 % accurate. they never did a fair investigation to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information consumer '' s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, his information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous times.

the credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 card or prepaid card

For 3 months, Synchrony Banks automated system has been taking money from the wrong account. When paying your bill you have 3 options- Choose the Date, Choose the account, Choose the amount you pay. Pretty straight forward, until you hit SUBMIT and the payment automates to whatever account their system chooses to use for the payment. 
I removed the accounts that were " ACCIDENTALLY '' being drafted with the operator- I made a direct payment with them, and the money finally came out of the correct account. This had happened 2-5 times, over drafting an account that I do not have the option to put funds into, so when they would take the payments I would cancel them trying to reverse the computer 's " ACCIDENT '' and not only has this over drafted that XXXX acct for payments, Care Credit/ Synchrony is closing my account stating that I made too many " unfaithful '' payments- so I asked to speak with their managers- they ALWAYS hang up on me. This is not a single or couple times, this has been going on for months- I have tried to call and respove this issue for 3 days and they keep hanging up and not transfering me past a customer service person who states the issue is mine and all mine, not their system. Their automated payment system is faulty and they are making it my problem, and telling me i have to open a new account now. THis is exactly what XXXX XXXX was doing in 2010!
Product: Debt collection

I was made aware of a negative mark on my credit profile on XX/XX/2019 claiming that I owe {$490.00} to Credit Collection  Services for an unpaid car insurance bill from XXXX. 

I sent a certified letter on XX/XX/2019 asking for them to verify the account in my name by providing a contract bearing my signature, as well as, the method in which the used to verify the debt. Upon receiving the letter back, all I got was a bill and them stating this was verification but the Fair Debt Collection Practices Act and the Fair Credit Reporting Act do not view that method as true verification. 

I have wrestled with them for the past few months and they continue to send bills requesting a payment instead of providing me with some sort of verification to validate that the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that American Web Loan accessed and reported supplemental information about me to TransUnion, and utilized 2 services to do so : XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX XXXX, AZ, and is showing I have a property tax bill of {$2400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2018 XXXX XXXX XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 2 inquiries, each as : Supplement Public Records ; and Supplement Consumer Credit. 
3 ) These inquiries shows XXXX XXXX XXXX, accessing my data from XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of both these instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.
Product: Debt collection

I paid my XXXX Credit Card in Full to the 3rd Party Collection Agency and then once it was paid I contacted the original creditor asking for them to provide me with a receipt of the payment in full. I called in to obtain a paid in full letter from Scynchrony Bank I spoke with XXXX XXXX XXXX who stated they would not be able to provide me with a copy of a paid in full letter until 45 days although I have expressed that I needed it because I was in the process of obtaining a mortgage. I even contacted the third party collection agency who verified that they had already sent it to the original creditor. XXXX XXXX stated that I had already filed a complaint and I feel like this is in reiteriation regarding my previous complaint and I feel like this is in violation of my rights as a consumer. I paid off the balance I by right I should be able to receive my receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts with XXXX, XXXX and Experian they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX bank and XXXX XXXX Bank that sold the accounts to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The account should be removed from my credit profile after 7 years. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX-XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible  stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : National credit systems Dear Law : I received a validation response to my request for verification on the debt sent to me on XX/XX/XXXX. 
However, you just sent me a bunch of statements with no other designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me in your response on & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & amp ; Fioritto, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation.
Product: Vehicle loan or lease

In 2014 United Auto Credit repossessed a XXXX XXXX XXXX from me. I was never sent a proper and timely notice of right to cure under laws afforded under the State of Colorado, UCC 9.506 and State RISA and MVISA statutes regarding claimed deficiency. I have requested copies of legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle, but they have not been provided. I have contacted all major credit reporting bureaus and have been informed that United Auto Credit has validated that this is a legal debt, however upon request, NO information regarding the legal transactions of Right to Cure or certified proof of resale could be given. My legal rights afforded under the Colorado Revised Statutes and the FDCPA and FCRA have been greatly violated.
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 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX  Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt XXXX to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/scrub> 2017. I have asked this information verified. I would like statements from the original creditor since this account was opened. XXXX XXXX has 3 different dates of the 1st date of delinquency on each creditor agency. XXXX XXXX has been sued by CFPB in the past for this same actions. XXXX must have all monthly statements since account was opened to properly established a 1st Date of Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a contract with XXXX XXXX # XXXX on or around XX/XX/2016. I was entered into this contract without a full disclosure of my right to rescind. This is a visible violation of the Truth In Lending Act. If they had presented me with a full discloure of TILA I would have seen the finance charge. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which is another visible violation of the law. Which leads to another visible violation of FCRA ( 1692e ) seeing that I was given false and deceptive information. Seeing that I was told that a down payment of {$2000.00} was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. This is under the FCRA. This is the law and a clear violation of it. I have written XXXX myself to try and resolve the situation, but they have continued ignore the consumer whose character they are damaging by continuously reporting negative and false information on me ( the consumers ) credit report. 
I know they are not able to provide these proper documents because they were not presented to me as they should have been under the law. They can not prove that they provided me a full disclosure of TILA and they knowingly took CASH down payment as that is a violation. 
Also according to 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Product: Credit card or prepaid card

I had an opened account with XXXX/Walmart around XXXX of 2019 about a month or two Capital one had became the new owner of my account and they closed my Walmart credit account. I feel like they closed my account based off the old account that I had with their company because I was originally approved by XXXX/Walmart. I stopped paying on it because I feel that I was discriminated on by capital one because of my past relationship with capital one company. I paid this old Capital one account off and they are still mistreating me when they buy other companies.