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

also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX  paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

File a complaint XX/XX/XXXX XXXX Jefferson system capital Have not taken XXXX off my credit report. 
Im XXXX and I waited XXXX  years to get a housing voucher. Im getting refused housing because of the derogatory mark and my credit report.
Product: Debt collection

On XX/XX/2020, I learned there were four medical debts sent to collections. The collection agency is I.C. System, Inc. I disputed the collections with XXXX, XXXX, and XXXX, because I was not aware of these medical bills. I have no information regarding this medical bills. Apparently, I.C. System, Inc, verified the debt with all three credit bureaus. 

On XX/XX/2020, I contacted I.C. System to find out why I have medical debts in collections. The medical debts total in over {$6200.00}. I found out they have a total of 6 debts in collections. I requested for itemized bill for the collection of over {$6200.00}. I.C. System refused to send me an itemized bill. They said I have to contact the original creditor. I.C. System is trying to collect on a debt I don't even know what it is. They should be sending me an itemized bill so that I can review it to find out whether I was charged correctly or not. Please contact I.C. System and have them either send me an itemized bill or have them immediately remove all medical debts from collections on all of my credit reports.
Product: Debt collection

I was receiving a number of automated messages on my answering machine that spoke vaguely about some unpaid debt. When I called the number back and inquired I was told the debt ( in the amount of {$760.00} XXXX was an unpaid medical debt dating back to 2007. When I asked about the specifics of the debt and what is was for all they could tell me was the date and location XXXX XXXX XXXX XXXX XXXX. I then called the hospital to inquire about this unpaid debt and they said I had no unpaid through them. I called back the debt collector and they said they would send me a letter detailing exactly what the debt was for. I did receive this letter, but again, it did not state what the specifics of the medical bill were for, but expalined how I could pay the bill, which included a self-addressed envelope. While I was present at the hospital on this date, I was full insured at the time, and was never notified prior to this about this supposed unpaid debt, which is over 7 years old! I strongly suspect this was a fraudulent attempt at collecting money on an old medical charge that has already been paid.
Product: Credit reporting or other personal consumer reports

This Account / Trade is Paid OFF PLEASE REMOVE THIS ACCOUNT OFF ALL MY CREDIT REPORTS ASAP..

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : TNT FINANCL - Account # : - C0393** 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681IS-2 15 USC 1692g
Product: Vehicle loan or lease

Hello, I purchased XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, MA. Since this new vehicle was scratched, the sales manager agreed to pay first payment to Toyota Financial ( where vehicle loan resides ). When it was time to pay the first payment, the Toyota dealership did not pay it. I've contacted the dealership many times via phone calls, emails and even through Toyota corporate. The business development director at the dealership stated that he will " look into this and provide me a response '' and never addressed the issue and now will not respond to multiple phone calls and emails. This dealership is dishonest and deceitful. They do and say whatever possible to sell vehicles but do not follow through their agreements. I am considering legal actions against this dealership.
Product: Debt collection

I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed inaccuracies. Consequently, I mailed a dispute letter to Experian on XX/XX/year>, using certified mail. It has now been over 35 days, and I have not received a response from the credit bureaus. This lack of response is a breach of 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that upon receiving a dispute, a consumer reporting agency must, without charge, conduct a timely reinvestigation to verify the accuracy of the information. If the information is found to be inaccurate, the agency must update or delete the item within 30 days from the date the dispute was received.
Product: Debt collection

I XXXX XXXX XXXX have requested account validation of debt on X/XX/2017 from XXXX XXXX XXXX XXXX. ( ERC ) and they have never responded to my request in writing. I XXXX XXXX XXXX have never entered into a contract with ERC and I do not owe them any money, the account is paid in full. It has been approximately 95 days since my initial correspondence, and they have ignored my attempts for them, ( ERC ) to prove validity of said debt, by providing a signed contract baring my signature to do business with ERC.
Product: Debt collection

I submitted a formal request for debt validation to LVNV Funding in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 809 ; 15 U.S.C. 1692g ). However, the company failed to provide the required assignment contract or other documentation necessary to substantiate their legal right to collect the debt.

The FDCPA requires debt collectors to provide verification of the debt upon request, including evidence that they are authorized to collect the debt. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), accurate reporting of debts to credit bureaus is mandatory, and incomplete or unverifiable debts should not be reported.

Failure to comply with these laws violates consumer protection regulations and may result in further action to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Discover card multiple times regarding an account that they are reporting on my credit report. I let them know that the account does not belong to me in several conversations. I have sent in requests to Discover asking for verification of the accounts per FCRA laws. They sent me a bunch of statements claiming to be mine. I have contacted the credit bureaus on this matter and they continue to say that Discover has verified the account to be mine. I was a victim of identity theft and I provided Discover with the police report I had filed several years ago on this. They are still refusing to remove the fraudulent accounts from my credit report. I am requesting that the account be removed immediately. Discover continues to update my credit report monthly which is against FCRA and increases the amount of time that this will stay on my report. This account needs to be removed. Please see a copy of my credit report.
Product: Debt collection

XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$500.00} reported on XX/XX/23. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Product: Debt collection

I visited XXXX XXXX in XXXXXXXX XXXX in XX/XX/XXXX and provided all my XXXX XXXX ( XXXX ) insurance for treatment, paid my copay and left. Months later, XXXX XXXX XXXX XXXX Department sent me a bill of {$780.00} claiming that the insurance company had declined to pay. 
I contacted XXXX XXXX in XXXX, XXXX about it and they said that they had informed the XXXX that they needed to use the correct code and resubmit. The hospital never resubmitted the claim but kept sending me the bill. 
On or around XX/XX/XXXX I emailed the hospital billing representatives through the patient portal ( Attached copy of all correspondence ) and reiterated that I did NOT owe the debt and that XXXX had instructed the hospital to resubmit the claim with the correct code. We emailed back and forth and the final correspondence was with a representative identified as XXXX who stated that XXXX had sent the claim to billing/practitioner to review and resubmit the claim ( see attachment ) and that XXXX would get back to me as soon as possible. That was the last I heard from them. 
The next thing I got was a letter from Medical Revenue Services, a Debt Collector in XXXX and the collection listed on my credit report on all XXXX credit reporting bureaus. I am distressed and seriously injured by this action because of the XXXX 's negligence and failure to do their job. My credit rating has suffered and I can not fulfil my obligations to my family because. 
I would like XXXX XXXX and Medical Revenue Services ( MDS ) to immediately correct their mistakes, issue an apology and expeditiously remove this from my credit report with immediate effect. It looks like XXXX XXXX billing is out to ruin me and my family because they have also reported my wife to the credit bureaus using the same debt collection company ( MDS ) over a {$50000.00} claim incurred at XXXX XXXX XXXX they failed to submit to the insurance company. This is unacceptable and must stop now.
Product: Payday loan, title loan, or personal loan

I reported the business to the XXXX  about 3 weeks ago because of collection calls I was receiving. Told two representatives that I have not worked due to COVID19 and I told them I would pay the loan as soon as I resume getting a check. They went on to ask if I was getting an unemployment check, I explained to them that I dont know when Ill resume work because Im not eligible for unemployment. I told them soon as I get paid Ill resume payments with them. Theyve continued to debit my checking account resulting in it being $ XXXX, if I told them I have no money then that means they shouldnt try to pull money out thats not there. This is a violation of my rights and I got the XXXX  involved and Check N Go tried to refer me to their online customer service instead of an actual representative of the company
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX  Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681i ( 7 ) description of reinvestigation, provide proof. I have asked and given them time to show proof on who, the name of person and contract. 

PLEASE REMOVE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX when I realized someone leased a vehicle in my name. 

They signed my name, and a vehicle was delivered to this person. 

XXXX XXXX had me sign a letter stating that I became aware of the lease the day I went to the office. 

They stated it would be taken care of in house. Thy even offered a vehicle to me but I refused. 

I stopped receiving mail for a while. Recently Ive noticed it is on my credit report. 

The signatures are not my signature on the initial application, the application had a co signer initially on the first application, then they used me solely on the application. 

My job information is incorrect, my income is incorrect, and the contact information is incorrect. 

Nothing has been done from XXXX XXXX XXXX or Honda Fonancial Service. They allowed someone to fraudulently use my information without me being present. I helped them obtain the vehicle by locating it through parking tickets. They did not take any of this into consideration. 

They left me with a large bill. Lease number is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to lodge a formal complaint against XXXX XXXX  and their collection agency, Glasser and Glasser PLC, for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their handling of an alleged debt. 

Description of the Incident : The sole correspondence I received regarding the alleged debt was from Glasser and Glasser PLC, representing XXXX XXXX. This initial contact occurred on XX/XX/. Subsequently, I sent a written request for debt validation to Glasser and Glasser PLC within the required 30-day period, as outlined by the FDCPA. This request was dispatched on XX/XX/ via certified mail. A copy of this letter is included in the attachments for your reference. 

Violation of FDCPA : Under the FDCPA, collection activities must be suspended upon receiving a written request for debt validation until the debt is confirmed ( 15 U.S.C. 1692g ( b ) ). However, neither XXXX XXXX  nor Glasser and Glasser PLC has acknowledged my request or provided the necessary validation, yet they continue with their collection efforts. This behavior is a clear violation of the FDCPA. 

Violation of FCRA : The FCRA mandates accurate credit reporting. The continuation of reporting this unverified debt by XXXX XXXX  could potentially be erroneous, adversely affecting my credit score and report. This situation may constitute a violation of the FCRA 's requirements for accurate and fair credit reporting. 

Request for CFPB Intervention : I respectfully urge the CFPB to investigate these potential violations. The ongoing collection activities and credit reporting, despite my unacknowledged request for debt validation, are concerning and may negatively impact my financial health. 

Attachments : Enclosed are copies of the correspondence from Glasser and Glasser PLC, my written request for debt validation ( refer to the attached letter sent to Glasser and Glasser PLC ), and any other pertinent documents. 

Conclusion : I seek the CFPB 's assistance in resolving this matter and ensuring my rights under the FDCPA and FCRA are protected. I am available to provide further information as needed for your investigation. 

Thank you for addressing this important issue. I look forward to your prompt response and a favorable resolution.
Product: Credit reporting

TRANSUNION continues to report " hard '' inquiries into my file by XXXX CARD on XXXX/XXXX/XXXX and by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XXXX/XXXX/XXXX. I have REPEATEDLY asked that ALL of these be deleted as they were to have been done as " soft '' inquiries yet no one has been willing to help me with this.
Product: Student loan

American Education Services is refusing to honor my IBR certification information on file with Studentloans.gov website. Although it is effective through XX/XX/2019, see attached documentation, American Education Services is demanding I recertify with them. 

American Education Services has now capitalized the outstanding interest on my loans, directly violating my IBR agreement.
Product: Credit card or prepaid card

GREENSKY were fraudulently and falsely reporting late payment even though i have setup automatic eft from my checking account Automatic payment setup completed at dentist office on XX/XX/2019 Automatic Payment setup with GReen sky on XX/XX/2019 over the phone arounfd XXXX XXXX Green sky false fully did not start EFT due to their internally problem and now They are reporting late payment to my credit report I have paid all, y payment on time and account is in ontime -- although they are reporting fasle information to XXXX  and XXXX
Product: Credit card

I purchased some clothing from XXXX ( a XXXX clothing company it turns out ), and some of the items were terrible quality ( see through, material that catches easily, mismatched seams, etc ). I notified them and asked for a return shipping label and they said they told me I could keep the items for free and get store credit or they would offer me a 50 % refund in cash and I could keep the items. I told them there were quality concerns and they are supposed to send me a return label per THEIR website. Then they told me that they didn't consider see through material, fabric that catches easily and mismatched seams " quality issues '', and that if I wanted a refund I would have to mail it back ( to XXXX ) myself. This is unacceptable. I purchased these items believing I could easily return them if there were issues and that has definitely not been the case. 

I raised a dispute with American Express explaining this and they said that since XXXX provided an address for me to mail the returns to, I am not entitled to a refund - but the issue is not the mailing address, it's that XXXX should be providing ME with a prepaid return label because the issues I raised were valid and XXXX can't just decide what issues they consider to be quality issues or not when it's convenient to them. There website clearly states that if there are quality issues, they will provide prepaid return labels to customers. But in practice they do NOT do that. I'm not paying {$40.00} to ship their defective clothes back to them.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX XXXX, U.S Department of Education : # 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, credit repair services, or other personal consumer reports

The eviction is not correct and the amount is not correct that I owe. The writ is not true. 
XXXXXXXX XXXX XXXX shows I owe XXXX, and that was paid. 
XXXXXXXX XXXX XXXX XXXX processed an eviction and a writ of judgement but that is also incorrect. I think the amount showing is XXXX for that also.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account from XXXX XX/XX/year> that should be removed .... It has been reporting on my file for over seven years. By law, after seven years it should be removed.They are breaking the law by reporting inaccurate information on my file
Product: Credit reporting or other personal consumer reports

EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Violation of 15 U.S. Code 1681s1 ( 2 ) - antedates the report by XXXX years or less. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Dear EQUIFAX DISPUTE DEPARTMENT XXXX I am writing to formally dispute the information regarding the ACCOUNT NAME : XXXX XXXX XXXX  ( Account Number : XXXX ) that is currently being reported on my credit file. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX, and it antedates the report by more than 7 years, constituting a violation of 15 U.S. Code 1681s1 ( 2 ). 
Equifax has violated my rights by reporting this child support for over the 7 years reporting period. XXXX XXXX XXXX has been reporting since XXXX Equifax is prohibited in reporting past XXXX  years which would have been in XX/XX/XXXX. Equifax intentionally and willfully violated my FCRA rights by allowing this account to continue to report past statues of limitations and past the date of first delinquency. There is no FCRA law that states a paid judgement, lien, or child support must report for XXXX years. I have exhausted my remedies with disputing this account and I seek civil liability for reporting past statute of limitations. This account remaining on my consumer report has cause financial hardships such as higher interest rate, purchasing a home, denied personal loans and denied an auto loan. I will use this CFPB complaint as evidence that Equifax continues to violate consumer 's FCRA rights. XXXX, XXXX, and Equifax have court cases about reporting judgements, lien, child support, and tax liens. Equifax continues to give me an automated response XXXX and properly investigate consumer 's complaint. Furnisher gives a returned automated response instead of investigating consumer 's complaint. Equifax must give consumer 's dispute with all attached documents to the furnisher. However, Equifax 's does not do this but instead reduce the consumer complaint to a single XXXX code dispute. FCRA clearly states that the CRA and Furnisher to investigate consumer 's complaint. Remove this account Immediately from my consumer report. 

Furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX States reporting information to the credit reporting agencies must also comply with the federal Fair Credit Reporting Act, which imposes certain responsibilities on those furnishing data to the agencies and provides specific rights to individuals whose data is reported. These requirements ensure the accuracy and integrity of the data on child support delinquencies that is included in credit reporting. 

I have attached Government issued Driver License and current utility bill. 
I have attached evidence the Equifax and their customer ( furnisher ) continue to violate my consumer FCRA rights : attached other CFPB complaints, XXXX Notice, and etc.