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

XXXX writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. S 16810. 609 ( 15 US C. $ 1681g ), and 604 ( 15 US CS 16815 ) - After reviewing my recent credit report. I have identified the following inquires that do not recognize or authorize ; Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purcghase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under CPLR. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear LVNV FUNDING LLC, I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation.

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Product: Debt collection

Both XXXX XXXX XXXX and SEQUIUM ASSET SOLUTION have been contacted about said debt. I have offered proof of finals bill payment made to XXXX  XXXX XXXX via bank statement and was told to give said proof to SEQUIUM ASSET SOLUTION than told by SEQUIUM ASSET SOLUTION to give to XXXX XXXX XXXX. SEQUIUM ASSET SOLUTION Is enforcing harmful debt collection tactics by weekly reports on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I totaled a car purchased with a loan issued from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to Equifax and XXXX  ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX  and Equifax. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX
Product: Debt collection

I dispute this debt, knowledge of, and collection thereof wholeheartedly and asked that Sequium Asset Solutions , LLC and/or affiliates stop collection immediately on the said debt and any additional amounts alleged to be owed by XXXX XXXX and to Cease and Desist contact by phone immediately. Any correspondence from this date of XX/XX/2022 is requested and can be accepted by U.S. Certified Mail to the address stated in the letter. I also requested all methods of verification, validation, to be thoroughly done and documented for reference or further inquiry by me, within reason and their legal responsibility in accordance with Fair Debt Collection Practices Act. I have reason to believe this company is unfamiliar with or blatantly ignores FDCPA laws and regulations or practices. I have attached the letter I was sent and highlighted violations including 15USC 1692 b ( 2 ), 15USC 1692 b ( 5 ), 15USC1692C ( A ), 15 USC 1692d ( 2 ) According to 15USC 16811n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I would like monetary relief of {$1000.00} per violation.
Product: Vehicle loan or lease

Jp Morgan violated 15 U.S.C. 1611 part of the Truth in Lending Act ( TILA ) as well as XXXX XXXX XXXX also violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated15 U.S.C. 1611 part of the Truth in Lending Act ( TILA ) XXXX XXXX XXXX are included in this complaint
Product: Checking or savings account

On XX/XX/XXXX of 2023, A company called XXXX took XXXX out of my checking account without my permission. I called Citi Bank and filed a claim, concerning the debit card transaction. The claim was filed and on XX/XX/2023 Citi bank provided me with a temporary credit to my checking account. On XX/XX/XXXX of 2023 XXXX also; gave me a credit to my checking account, but I was not made aware of the credit to my account not by letter nor email. So, I basically received two credits one by the company and another one by the bank. On XX/XX/2023, I checked my checking account to find that it was in the negative XXXX and this is only because there was some existing funds in the checking account at the time. On XXXX XXXX 2023 when I reached out to Citi Bank about the situation I was informed that the temporary credit had been removed from my account because the company had sent them a letter stating that they had issued me a credit as well, but I was not made aware of this. So, I asked the representative when did the merchant send them the letter letting them know that I had received the credit to my account because I believe that when Citi bank received the letter instead of them acting right away to remove the extra credit Citi Bank allowed it to sit in my account! Now here it is XX/XX/2023 and they want to take the temporary credit back which now leaves my checking account with a negative balance of XXXX. I get Social Security and Social Security XXXX  in the account, so I can not afford to be hit with a negative XXXX balance towards my account! I believe that Citi Bank did not act in a timely manner concerning the credit that was received by the merchant because if they had, then they would have been able to retrieve their temporary credit with out me ending up with a negative account balance!
Product: Checking or savings account

I have a Capital One standard checking account which I have used to receive XXXX direct deposits for years. I became aware of an " issue '' Capital One has been having since Thursday, XX/XX/XXXX where direct deposits and other XXXX transactions are not clearing through the account. Currently I am awaiting XXXX direct deposits, at least XXXX ACH bill payment, and a large deposit from a XXXX loan to hit my account. I know these amounts have been processed by the other parties and normally all of these funds would be showing in my account by Friday morning. 

I will need access to my cash as soon as possible and Capital One has offered XXXX information about what is going on. Clearly there is a major technological meltdown for which they must be held responsible, or they have been hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
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 debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information Transunion. DPT EDXXXX {$3700.00}, SELFINC/LEAD {$310.00}, XXXX {$1600.00}, XXXX {$1600.00}, XXXX {$520.00}, XXXX XXXX {$2200.00}, XXXX XXXX {$16000.00}, XXXX XXXX  {$3300.00}, XXXX XXXXXXXX  {$210.00}, XXXX XXXX {$840.00}, XXXX XXXX {$740.00}, XXXX XXXX XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report. 

Over a month ago, I received a letter from XXXX XXXX  XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card.

To investigate, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of XXXX XXXX XXXX for the amount of {$2100.00}. Upon contacting the number listed on my credit report, I was informed that this loan was taken out in 2019 and was meant for travel expenses. I explained to the representative that I had never taken a loan from XXXX XXXX XXXX and was unaware of this type of loan. They suggested I file a dispute. 

When I provided my information, they could not find any record under my name or with my phone number or other phone number previously owned, including my wife, and advised me to contact the credit reporting agency. I subsequently filed a dispute with TransUnion. However, after a month, TransUnion responded that the information was accurate and the loan belonged to me, which is not true. 

I called TransUnion. again to file a second claim and explained the situation. They requested proof, but I am unable to provide proof for a loan I never applied for or received. I have no documentation from this company as I never requested a loan from them. 

This situation is severely affecting my credit score, and I am unsure how to proceed. The loan company claims they can not find my information in their system, and TransUnion insists on proof of a loan I never took out. 

I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. This matter is causing significant stress and impacting my financial standing. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. From more than a year ago, I am not an authorized user on this account so I am attaching a PDF of it here. ( It appears only on Experian as I am still an authorized user. Both on XXXX and XXXX XXXX it does not appear whatsoever ). 
I ask that you fix my credit report. 

Sincerely, XXXX XXXX
Product: Bank account or service

This is a complaint against Pentagon Federal Credit Union my member # XXXX. A check number # XXXX in the amount {$980.00} was cashed XX/XX/XXXX. On review of my bank statement for taxes recently after recovering from my ill health I do not know who wrote the check and who cashed it.The line says Usda XXXX. This is the same line that is seen when the bank charges a fee Pentagon says cjheck was transmitted to them electronically and they cashed it they do not have a copy of it. Initially Pentagon said that it is not Pentagon 's policy to verify electronic transaction unless the consumer alerts them anything that comes through they just cash it. I question that if anyone having access to my account information can write checks electronically and they get cashed. Pentagon now allege they had two years to inquire and the time has passed so they can not inquire any further from the other institution. They allege it could be department of agriculture so I write to department of agriculture and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of agriculture they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction. I need them to give me my money as this was not an authorized transaction or Pentagon provide proof that the check was written by me. Two weeks ago I had spoken to the following XXXX XXXX XXXX ext XXXX, I spoke on XX/XX/XXXX XXXX XXXX ext XXXX and her assistant XXXX ext XXXX as XXXX has not answered my messages. XXXX and XXXX have tried to block information and were non cooperative. XXXX was cooperative first now she has disappeared and does not return my calls XXXX XXXX XXXX XXXXXXXXXXXX
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 : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

This agency isnt licenced to collect in my state, TN.
Product: Debt collection

Westlake financial services llc wrongful repossessions, refused to validate dept, harassing collections, false credit filling, refused personal property, breach of peace,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, RXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXXXXXX 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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX.