23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this is their original response to the first complaint I filed We have received your correspondence for the above account. We have terminated all collection efforts, and instructed XXXX, XXXX and XXXX to delete this matter from your credit history without delay. If you require additional information, please advise our office IT IS STILL SHOWING UP ON MY CREDIT REPORT WITH ALL THREE CREDIT REPORTING AGENCIES I DEMAND THIS BE REMOVED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have bought {$16.00} and XXXX cents worth of merchandise from Kohls using Kohls charge on XX/XX/XXXX. As I did not get any statement for few days so I went online of XX/XX/XXXX and paid the balance on my account for same day as I learned in website that my due date is XX/XX/XXXX. But I do n't know if it was my or systems mistake that my payment got schedule for XX/XX/XXXX instead of XX/XX/XXXX same day. 

On XX/XX/XXXX I got a call from Kohls charge that I have XXXX dollars balance on my Kohl 's charge. I paid the balance and I learned that I have been reported 30 days delinquent. My complaint is that I did not get any notification that I am late or they did not get payment on time before reporting me late to bureau. I have an impeccable record of paying on time for last 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED XXXX XXXX : REGARDING AN ERROR THEY CONTINUALLY KEEP REPORTING ON MY CONSUMER CREDIT REPORTS PER XXXX AT XXXX XXXX ON XX/XX/23 @ XXXX XXXX STATES THAT SHE SEE WHERE I PAID THE ACCOUNT OFF, ALSO STATING THAT ITS SHOWING {$0.00} BALANCE SO I SAID TO HER THE ACCOUNT IS SHOWING OPEN AND THAT IS INACCURATE AND ITS AFFECTING MY CONSUMER REPORT. SHE REPLIED BACK AND SAID TAKE IT UP WITH THE CREDIT BUREAUS THEY ARE THE ONES REPORTING IT NOT THEM MEANING XXXX XXXX. I HAVE REACH OUT TO ALL THREE CREDIT BUREAUS AND THEY ARE CONTINUALLY REPORTING AS VERIFIED WHICH THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. ( XXXX XXXX # XXXX ) HAVE VIOLATED SEVERAL OF MY RIGHTS. 
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
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. 

Account name : 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 XXXX XXXX  reported XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 bel
ieve that the information is inaccurate.
Product: Credit card

I had multiple orders on my Affirm account that were unauthorized and they emailed me at the end of their investigation and told me they were unauthorized and would be removed from my credit reports and I was not responsible for them, they also said someone would reach out within XXXX days about sending the refund via check in the mail because my cards were used and nobody has emailed me or responded to any of my XXXX emails. 
I call everyday and talk to customer service representatives who are reading off the same template every time and dont actually help me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the XXXX major credit reporting agencies ( Equifax, XXXX, and XXXX XXXX. The account in question, which was a XXXX charge-off, was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/year>. Given that XXXX has completely deleted this account from my credit file, I respectfully request that Equifax, and XXXX take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable Lendmark charge-off account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. I look forward to your prompt attention to this matter. Sincerely,
Product: Debt collection

In  XXXX   2017 , I se nt Midland Funding a letter requesting validation of a debt. Per FCRA, they have 30 days to respond to my request. Midland Funding did not respond. I mailed a copy of the letter that I sent to Midland Funding, along with a copy of the return receipt, to  XXXX  asking them to delete the negative account because the collection agency DID NOT respond to my request by sending validation of the debt.. Two days ago, I received a new copy of my credit report from  XXXX  saying the debt was verified. Verified and validation are two different things. Secondly ;   XXXX    ignored the fact that I informed them that Midland Funding violated the FCRA law that required them to respond to me within 30 days. After such violation, the credit bureau is required to delete the debt. The credit bureau is required by law to have substantial validation of the debt in their possession as well. At this point ; Midland Funding and   XXXX   are viola ting the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a dispute letter dated XX/XX/2022 to Experian I requested personal information be corrected, including : Spelling my hyphenated last name correctly; deleting eight misspelled names listed on my credit report ; deleting an incorrect address ; and deleting an incorrect telephone number. I provided a copy of my driver 's license and a utility bill showing the correct spelling of my name and correct address. Experian sent several emails to me stating that the results of processing my disputes were available online, but I was unable to access those reports I guess due to computer security. I contacted Experian on XX/XX/2022 and spoke to two representatives ( XXXX and XXXX XXXX. XXXX said he could read me the reports, and I told him that would not provide me any documentation to the results of Experian '' s processing of my disputes. I quoted the section entitled " Contacting Us '' in Experian 's Terms and Conditions : " If you dispute information and receive notice that your results are ready for viewing, but you are unable to view the results of the dispute process online, we will mail them to you. '' I asked XXXX to follow these Terms & Conditions and mail me copies of Report # XXXX and Report # XXXX and he said could not mail them to me. Then I was disconnected. I called Experian again and repeated the same information to XXXX. He said he could read me the reports, which again wouldn't not provide me documentation of the results of Experian 's dispute processing. He would not follow the Experian Terms and Conditions and mail me copies of the two reports ( # XXXX and # XXXX ).
Product: Credit card

I have had a credit card account with American Express for over 10 years, never missed a payment and for the last 3 years plus had a XXXX balance but maintained an available balance of {$8000.00}. On XXXX XXXX, 2016 I had a Family emergency ( in another state ) that required immediate need for financial intervention. On the morning of XXXX/XXXX/2016 I called American Express and confirmed with their customer service I had an {$8000.00} available credit and a XXXX balance. I went ahead and proceeded to use my American Express card to address my emergency situation that same day. I used the card to secure a {$3000.00} retainer for an Attorney ( due to a family member XXXX ) and then attempted to use the card to post XXXX with a XXXX XXXX XXXX ( to secure release of my XXXX member ). The XXXX XXXX XXXX kept getting a " rejected '' notice on my American Express card. The XXXX XXXX re-submitted for payment several times over next several hours. I began calling American Express to investigate and rectify the situation. My frantic calls to AE were transferred multiple times and I was eventually informed to contact AE 's Fraud prevention/monitoring department. AE 's fraud people informed the " denials '' were an attempt to insure the fraud prevention ; it was a " security/fraud matter '' to screen for unsolicited charges. I gave my approval to AE to authorize payment immediately to the specified XXXX XXXX XXXX. After numerous attempts to make payment through my AE card failed. I then used another card for this matter BUT - it was to late and my family member was required to spend the night in jail and be processed out the next morning. 
Please be aware, I later made contact with AE to voice my complaint, anger and objection about this issue on several occasions in XXXX and XXXX 2016. I was eventually told, coincidentally, ON THE SAME DAY of my need for use of the available balance on my American Express Card ( XXXX XXXX, 2016 ), AE lowered my available balance from {$8000.00} to {$3100.00} - I had received NO Notice of this reduction ( remember earlier in the same day I was told of my available {$8000.00} ). Therefore the charge of the Attorney 's retainer had left nothing available for the charge of the XXXX XXXX service ( my family member was XXXX ). " Coincidentally '' I received in the mail in XXXX 2016, a notice of " lowered credit limit '' to {$3100.00}, dated XXXX XXXX, 2016. 
I have yet to receive any further contact from American Express about my complaint to the company on this whole situation. Therefore I 'm appealing to CFPB to move this forward, In addition I am hopeful CFPB can make the public aware of the continued actions of corporations, like American Express that put profits before people ; and the consequences that affect people 's lives. 
I look forward to your assistance and response, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires below I don't recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed below : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.
Product: Vehicle loan or lease

On XX/XX/2022, a payment of {$5400.00} was made on the XXXX website. On XX/XX/2022, a call was made to have this payment be applied to principle ONLY. I was told the paperwork was completed and it would take 3 to 5 days to be applied to my account. On XX/XX/2022 the payment was showing as applying to principle only per my request. On XX/XX/2022, Hyundai moved the payment I had requested as principle only to be used as my monthly payments and took {$14.00} off this payment and applied to interest. I called on XX/XX/2022 and was told that the payment was applied to principle and payments in the amount of {$2500.00} would be applied to principle. I asked to speak to a supervisor and was placed on hold to go back into the main menu for the customer service phone line.
Product: Debt collection

On XX/XX/XXXX my brother contacted me to tell them someone called them looking for me and threatened them that they would come to his house to verify that I did not, in fact, live there. They gave the phone number XXXX with a case number of XXXX. I contacted this number and they did not identify specifically what company they were with. They said they were collection on behalf of Ace Cash Express on a loan taken out sometime in XXXX or XXXX. Repeatedly they refused to provide me with any kind of detailed information. They said the original loan is {$570.00} and they would charge me court cost of {$1900.00} and charge me with fraud. I asked the lady to please provide me with the proof of debt as required by law. She kept claiming that they don't have to provide me with any kind of proof. I am not aware of this debt and have no recollection of it. She refused to provide any documentation and simply stated that I had that when I got the loan. She transferred me then to her " supervisor '' who told me the exact thing and refused to send me anything in writing showing what I owe or the dates or amount of anything. She ultimately hung up on me and said good luck in court. I also advised them to stop contacting my family members and they said it is out of their hands they had a " state agency '' that handles that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from Experian after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely.

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the Experian dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear Experian, XXXX XXXX  - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt Incorrect Name - XXXX XXXX- This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not.

As the original creditor, only I can validate this debt. I do not validate this debt.

# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed an account that was never mine for a closed account created XX/XX/XXXX. It shows it was never late and the original balance was {$1900.00}, the highest balance was {$1700.00} rand this is on record until XX/XX/XXXX. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine for an account that was never used. It was opened XX/XX/XXXX with a 0 monthly payment with an original balance of $ XXXX shows it will be on record until XXXX XXXX credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine that was opened and is now closed XX/XX/XXXX. The current balance is {$1400.00}. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed late payments on my account owing {$2700.00}. It shows late XXXX, XXXX, XXXX and Ive never been late. The credit company wrote back in XXXX hours saying they found this to be correct without actually investigating this. This is not correct and want this removed. 

XX/XX/XXXX I disputed several names, addressees, employers, phone numbers and co applicants that aren't linked to me ever in my life and the credit company wont remove. 

XXXX hard inquires are not mine and credit company wont remove