23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The 2016 court ruling on CFPB vs XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) determined that those attorneys violated the FDCPA and were ordered to stop specific violations. Cooling and Winter have established a new law firm in which they continue those illegal litigation practices. I was served a complaint by Cooling and Winter on behalf of XXXX XXXX XXXX for a credit card debt. No attorney was meaningfully involved in preparing or filing my case ( violating 807 ( 3 )  of the FDCPA ). I called the law firm 's contact number XXXX and XXXX and was always routed to a representative or ( if busy ) a voicemail. When a representative answered he would always route me to XXXX XXXX XXXXr, who he claimed was the " agent '' handling my case. XXXX XXXX 's extension always goes straight to his voicemail and he returns your call at a later time. If all representatives were busy when I called then I would be routed to a voicemail box. To no avail I 've repeatedly asked to speak with the attorney handling the lawsuit. The " agent '' handling the lawsuit ( XXXX XXXX ) is a debt collector with XXXX XXXX XXXX, XXXX ( according to his site ). The ratio of attorneys that ACTUALLY PRACTICE with this law firm compared to the number of suits filed would be consistent with a lawsuit mill. I emphasize 'actually practice ' because although they list 7 other GA attorneys at this firm, almost half of them have not filed one case at this firm. In addition, I received a copy of a notarized affidavit that will be used. The person on the affidavit states that they are a " Litigation Support Representative '' and " employed by XXXX XXXX XXXX, XXXX, an affiliate and service provider to XXXX XXXX XXXX ( USA ), N.A. '' In the statement, the representative never admits to having " personal knowledge '' of the account, only having " reviewed the records pertaining to the account. '' Per the court ordered judgement, Cooling and Winter were ordered to restrain from : 10. ( a ) " presenting to a court any affidavit in which an affiant represents, expressly or by implication, having personal knowledge of the validity, truth, or accuracy of the character, amount, or legal status of any Debt, when that is not the case ; '' I sincerely hope that the CFPB will look into the practice of this company and continue to help customers that are violated by their illegal practices. Thank you for your time.
Product: Checking or savings account

I have been a victim of Identity Theft since 2006. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at XXXX XXXX, XXXX, Navy Federal Credit Union and XXXX XXXXXXXX XXXX concerning fraudulent accounts at each. XXXX XXXX  actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use XXXX products. And XXXX did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against XXXX XXXX. 
XXXX, Navy Federal and XXXX XXXXXXXX XXXX have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 

15 U.S.Code $ 1681c-2 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. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at XXXX XXXX Navy Federal Credit Union, XXXX XXXX XXXXXXXX and XXXX be deleted MMEDIATELY.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Address Reported - XXXX XXXX XXXX XXXX Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute an address listed on my credit report that appears to be incorrect or inaccurately reported. The address in question is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX. 

Upon reviewing my credit report, I noticed that this address is showing as associated with my credit file, but I believe there is a mistake. I have never lived at or had any association with this address. I kindly request that you investigate this matter and remove the address from my credit report if it is determined to be inaccurate. 

Please find the necessary details to locate my credit report : Full Name : [ ] Date of Birth : [ ] Social Security Number ( last XXXX digits ) : [ ] Address : [ ] I have enclosed/attached [ any supporting documents you might have ] that demonstrate my residence history. I would appreciate it if you could update my credit file as soon as possible to reflect accurate information. 

Please notify me of the results of your investigation. Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I was gave a civil summons even tho the debt is XXXX XXXX XXXX and I have been financial impacted by COVID XXXX I have tried to express this to the company and they can not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXXXXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX  XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX
Product: Debt collection

I am writing to formally dispute and request the removal of an inaccurate and unverified collection account that appears on my credit reports from XXXX, XXXX, and XXXX. The details of the disputed account are as follows : Creditor Name : LVNV Funding LLC Original Creditor : WebBank/Fingerhut Account Number : XXXX Balance : {$630.00} Date Opened : XX/XX/XXXX Status : Collection Account Upon reviewing my credit reports, I have identified several errors, violations, and inconsistencies with how this account is reported across all three bureaus. Below are the issues that warrant its immediate removal : XXXX. Failure to Provide Proof of Debt Ownership Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, a debt collector must provide validation of the debt, including a purchase agreement or assignment of debt from the original creditor ( WebBank/Fingerhut ). LVNV Funding LLC has failed to provide any documentation proving they own or have the right to collect this debt. 

Without a legal purchase agreement or contractual proof, this account is being illegally reported on my credit file and must be deleted immediately. 

XXXX. Inconsistent and Inaccurate Reporting Across Bureaus The account information is inconsistent across the XXXX major credit bureaus : XXXX Report ( Ref : LVNV Funding LLC ) [ XXXX ] Account opened : XX/XX/XXXX Past due amount : {$630.00} Status : Collection Account Reported as delinquent as of XX/XX/XXXX, even though it was supposedly opened in XX/XX/XXXX, which is illogical and inaccurate. 
No payment history is available. 

XXXX Report ( Ref : LVNV Funding LLC ) [ XXXX ] Status : Collection Account, {$630.00} past due as of XX/XX/XXXX Reports inconsistent payment history with missed payments before the account was even opened. 
Comments indicate that I disputed this account, yet the company failed to verify it with sufficient documentation. 

XXXX Report ( Ref : LVNV Funding LLC ) [ XXXX ] Reports no payment history at all, which is inconsistent with XXXX and XXXX. 
Shows LVNV Funding LLC as an open account, contradicting the other reports. 
These contradictions clearly demonstrate errors in credit reporting, violating XXXX XXXX. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. 

XXXX. Failure to Properly Investigate My Dispute Each credit report indicates that I have disputed this collection account. However, under XXXX XXXX. XXXX ( a ) of the FCRA, if a consumer disputes an account, the furnisher ( LVNV Funding LLC ) must : Conduct a reasonable investigation Provide documentation proving the debts validity Correct or delete any inaccurate or unverifiable information LVNV Funding LLC has failed to meet this legal requirement by not providing a purchase agreement, contract, or valid verification of the debt. Since they can not legally verify this account, the FCRA mandates that it must be deleted immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a letter to TransUnion requesting the method of verification for previously disputed items that were reported as verified. Specifically, I asked for the following details : The date you contacted the creditor/furnisher ; Contact information for the creditor/furnisher ; The name of the person who verified the item ; The method of communication used to verify the information ; Whether the creditor provided my Social Security Number, address, and date of birth during the verification process. 
On XX/XX/year>, TransUnion provided a response stating, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response from TransUnion suggests that they did not properly investigate my request, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive accurate and complete information about how my disputes were verified. The response I received from TransUnion fails to address my request and undermines my ability to ensure that my credit report is accurate. 
I am attaching a copy of my original letter sent to TransUnion, along with their response, as evidence of this issue.
Product: Credit reporting or other personal consumer reports

Amsher collection stated they are removing this from my credit report, but on my report it appears updated and remains not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect reporting of an account on my credit report. After contacting the relevant company, they confirmed that an error had occurred and assured me over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable and prompt investigation of disputes, including a review of all relevant information submitted by the consumer. 

XXXX and XXXX have already corrected this inaccuracy on my report, so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXXXXXX XXXX XXXXXXXX. 

Please delete this from my account. This account has dropped my credit score a lot. Please fix this matter pronto. Thanks.
Product: Credit card or prepaid card

I previously complained and was informed the case was closed : Case XXXX with the CFPB. I was told my phone number was on the " do not call '' list BY Comenity Bank. 
At XXXX, XXXX XXXX, XXXX, I received another call for the woman noted in the previous complaint : a woman I do not know, have never known, and who has never, to my knowledge, had my phone number. I 've told the bank this on several occasions, yet they continue to call. The woman who called this morning said " no one informed us of that. '' I would appreciate your re-opening this case and insisting that this bank stop calling me. 

Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX OF XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting, credit repair services, or other personal consumer reports

CreditKarma is showing that my loan history for my federal student loans is current/on-time. However, I applied for a vehicle lease program with XXXX of XXXXXXXX XXXX XXXX Arkansas ( and incurred an inquiry as a consequence. ) XXXX, the XXXX XXXX that assisted me advised that my XXXX report indicated that the most recent remarks for my student loans, stated 120 days late. 
CreditKarma reports the opposite. I can not be LATE on-record, because payment extensions were extended nationwide throughout the pandemic and for isolated disasters affecting borrowers of certain areas. 

CreditKarma also reported that my XXXX score was XXXX and yet, I was still denied credit at the dealership. 

I would like very much for creditkarma to FIX any inconsistencies in their reporting, and for XXXX to correct its errors,
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 NumberXXXX  Account Name : XXXX Account 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: Credit reporting or other personal consumer reports

I did not authorize the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax didnt remove late payments need to remove Late payments from XXXX accounXXXX XXXX XXXX XXXX ( 15 US 1666b ) Im showing proof each payments was made on time
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, Commerce Bank ran a hard inquiry on my credit without my permission.
Product: Debt collection

Orions management group has been calling me my family members and myself repeatedly since XX/XX/2020. They are also calling my place of employment even after I asked them to stop. They have asked to speak with my supervisor and were very rude to her.
Product: Credit reporting

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against Experian, XXXX and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my personal information due to the data breaches at XXXX and XXXX. These incidents have caused significant concern regarding the security of my personal and financial information. I have spent significant time and resources addressing potential fraud, monitoring my credit, and disputing inaccurate information. I request the CFPB 's assistance in mandating the removal of any fraudulent or inaccurate data from my credit file caused by these branches. I have attached documentation to support my claim, including credit reports and any correspondence with XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke with the company via text on XX/XX/XXXX and they set a deferment up for me and told me I have until XX/XX/XXXX to make payment on the deferment, I filled out the paperwork and filed it, the adjustment is not showing up online for me to pay, and they are still calling and texting both my husband and I daily with a payment arrangement already in place for the amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$270.00}