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

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department in XX/XX/2021, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( TransUnion, XXXX and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/2021. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( Transunion, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. ) This is securities fraud and 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 confidentially under 15 USC1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute an inquiry, from Experian on XX/XX/year>, as inaccurate as I did not authorize it. According to the fair credit reporting act when 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 according to 15 USC 1681 ( e ) ( b ). 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate or incomplete. The act mandates that credit reporting agencies must investigate disputes, correct any inaccuracies, and provide a response to the consumer within 30 days. 

I request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I have attached a copy of my credit report with the disputed inquiry highlighted, along with any supporting documentation to substantiate my claim. 

Please provide me with a written confirmation once the unauthorized inquiry has been removed. If you require any further information, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am writing in regard to an account for which I am being collected from GM Financial. When I was married, my ex-husband and I purchased the vehicle for his use and upon our divorce, he was court ordered to assume the responsibility for the vehicle. He subsequently had the vehicle repossessed and as he is " uncollectable '' ( on and off the grid, infrequent employment and unable to locate ) - they continue to come after me. 

I've been divorced for 6 years now and have worked over these past years to get my credit back. I am now finally in a position to purchase a home for me and my daughter and the GM Financial debt is an obstacle. 

I have been in regular contact with GM Financial for 6 years and am attaching a letter I wrote to them in XX/XX/XXXX which will provide background and also attached my Judgment of Divorce. 

Please help us. My daughter has minimal contact with my ex-husband and I am the one providing her a safe home and foundation. I have cried, begged and pleaded with GM Financial to abide by the Courts order and ensure the liability lies where it belongs, with my ex-husband. 

Thank you in advance for your help. 

XXXX XXXX XXXX
Product: Debt collection

LAW OFFICES OF MBA {$740.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX
Product: Debt collection

Company is trying to collect on an alleged debt. I sent cease and desist letter that was received on XX/XX/year>. On XX/XX/year> I received XXXX more calls and a voicemail in violation of the fdcpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint for you to take steps or actions to handle my complaint with the wrongdoing of the 3 credit bureaus that seems they never priorities my request to delete the fraudulent items in my credit file. I am very disappointed with this. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information in my account. I have been already told my lawyer regarding this issue. With that, I am asking for your help to remove these items immediately in my credit file : MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Mortgage

O

ur Lender Loancare reported us to Credit Bureaus with a late payment. This dropped my husband 's once great standing credit as well as being denied a loan. Apparently our county taxes increased which in turn changed our mortgage payment. We made all of our payments thru online banking and they were sent at the end of the month to avoid any late fees, or late payments. 

When XXXX 's payment was made they put that in a suspend account due to the shortage of approximately {$30.00}. 

Then when XXXX came around another on time payment was made. Shortly after this I received notification by mail my payment was late, so I called loancare to find out what was going on. This is when I first learned about this issue. 
At this time I had no idea it would effect our credit. It wasnt till later when we applied for a loan elsewhere and were denied that I contacted them with a letter on XX/XX/2019 to have the reporting removed. They said they could not help because they contacted me more than once. 
I did say if they tried by phone that I do not answer any " 800 '' numbers because they are typically robotic calls or solicitations. 
They were not willing to change anything and said I should contact the bureaus. Again all payments were made On time and were never late.
Product: Debt collection

I feel like the company extorted/extorting me to make payments without any proof of this debt. Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account they have not indicated that I have ever made any payments on this loan they claim I owe. I tried multiple times to solve this issue and was ignored or giving false information. When I called the office to resolve the issue like ( XXXX XXXX ) told me to do, she then told me I didnt qualify what she offered in the email. 
They refuse to remove the remarks off my credit report. 
Also, I wasnt attending XXXX XXXX University so I dont feel I owe this. 
I was in XXXX XXXX, MO attending XXXX XXXX training for nine and a half weeks to become a XXXX XXXX for XXXX XXXX. 
There is no way I could be attending school in Colorado while in Mo. 
Company had NEVER sent me in documents in regards to this. They claim they sent me a letter they never sent. Also in the attachment they claim to have mailed to my address in my previous complaint ( which is absolutely false ) says Dear Mr.XXXX ... I am not a mr . 

I have attached pictures of the emails with us, proof of employment at XXXX XXXX, and my certification to show I wasnt attending school.
Product: Credit reporting or other personal consumer reports

The Dept of Education reported me as late and I was never late. Was in Forebearance prior to the pandemic. Once it closed and transferred it to XXXX, they refuse to report no late payments to Experian during the COVID Pandemic from my credit report in multiple accounts impacting my credit scores. Ive asked them to address it at least twice. I appear as late for several sporadic months during the nationwide forbearance on my Experian credit file TEN times and the loan has been forgiven.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXX/XX/year>
Product: Debt collection

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 XXXXXX/XX/XXXX, Paid Closed Acct # XXXX XXXX  XXXX, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, {$4400.00} 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: Consumer Loan

It 's for a time share annual dues. The time share gave the debt because I forgot to pay back in XXXX when my credit card was stolen, which I reported. When IO finally got a reminder letter it had already been sent to collections around XXXX. Meridian Financial is the company collecting. The original debt was for about {$680.00}, Meridian wants me to pay {$1100.00}. The same person calls me, during working hours which I have asked him not to call during those times, and he states that he can not call me any other time to work out a payment plan or settlement. When I aske him not to call me during working hours he argues with me, that I should be able to take personal calls at work, and asked why I answered. I answered so that I could let him know that i need a call back after XXXX I believe my rights are being violated on XXXX fronts, I believe I 'm being overcharged for this {$680.00} debt, and calling during working hours, and harassing me at work. I have phone records for verification upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with TranUnion XXXX XXXX and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to TransUnion. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to TransUnion stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. TransUnion ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Credit reporting or other personal consumer reports

What Happened : I am filing this complaint because I believe the following three accounts on my credit report are fraudulent, and I am a victim of identity theft due to a data breach. Despite my repeated efforts to resolve these issues, the accounts remain unresolved, which has caused significant damage to my credit profile. 
XXXX. XXXX XXXX XXXX - Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Type : Personal Loan XXXX. XXXX XXXX XXXX - Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Type : Personal Loan XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Type : Auto Loan I have no knowledge of these accounts and did not open any of them. I believe these accounts are fraudulent and are a direct result of a data breach I was affected by. I have attached a screenshot to support my claim showing I was a victim of this breach. 

Despite reporting these accounts as fraudulent to the credit bureaus and submitting evidence ( including a screenshot from the data breach notification ), Experian and other bureaus have failed to remove the fraudulent accounts. They insist that these accounts are valid because they are linked to my name, yet I have provided proof that I did not open them. 

I have already sent official documentation, including a police report and identity theft affidavit, to verify my claim. However, the bureaus and creditors have not taken appropriate action to investigate or resolve the issue, leaving these fraudulent accounts on my credit report. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to request the removal of fraudulent information from my credit report, and the credit bureaus and creditors are required to block any information resulting from identity theft once I submit the necessary documentation. 

This law mandates that upon receiving a valid identity theft report and supporting evidence, the credit bureaus must remove or block fraudulent accounts within a reasonable period of time. These accounts should not appear on my credit report, and I should not be held liable for them. 

I request that these accounts be immediately investigated and removed from my credit report. I expect them to be flagged as fraudulent and for my credit report to be corrected to reflect this. I also ask for confirmation from the credit bureaus and creditors that these accounts will be removed, and that I will not be held liable for the fraudulent debt.
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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent [ Put Creditor Name Here ] you furnished alleged transaction on my { XXXX, TransUnion, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX XXXX XXXX _________________________________ Without Recourse UCC XXXX