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

Bureaus Investment Group Portfolio No. 15, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 


Request For Debt Validation Pursuant to 15 USC 1692g I will first like to confirm that this is not a refusal to pay, however, I will exercise my rights under FDCPA Fair Debt Collections Practice Act Pursuant to Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] I am requesting that ( Bureaus Investment Group Portfolio No. 15, LLC ) provide me with proper evidence that I have any legal obligation to pay ( Bureaus Investment Group Portfolio No. 15, LLC ) In lament terms, please do not send me any contracts or receipts from any third party as that as not what I am seeking and any information that is sent with any third party information will also prove evidence that ( Bureaus Investment Group Portfolio No. 15, LLC ) obtained my personal information and revoked my rights to privacy and have compromised my identity through a third party company.

As I am sure that ( Bureaus Investment Group Portfolio No. 15, LLC ) can not provide any contract between myself and ( Bureaus Investment Group Portfolio No. 15, LLC ) stating that I am legally obligated to pay any debt; please consider yourself put on notice. 
I am expecting immediate action to cease and desist and non-reporting of this unverifiable debt to any of my consumer reports. Any form of action outside of this clear request please expect pursuit of litigation for the following : Defamation of Character ( per se ) Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681 ] Please attach copies of the following : NOTICE TO PRINCIPLE IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPLE Signed agreement ( XXXX XXXX ) has made with ( Bureaus Investment Group Portfolio No. 15, LLC ), or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Please provide me the name and address of the bonding agent of YOUR COMPANY, in case legal action becomes necessary : Please be mindful that under 15 USC 1692i ( a ) ( 2 ) ( a ) 15 U.S. Code 1692i - Legal actions by debt collectors ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; If you can not provide a contract between ( Bureaus Investment Group Portfolio No. 15, LLC ) and ( XXXX XXXX ), ; you have no legal right to sue ; if you have no right to sue, you have no right to collect on the debt This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 
Thank You
Product: Debt collection

Untimely Default failed to Respond to qwr Acceleration and foreclosure Referral - failed to provide even info they promised sent substitution of trustee sale with illegal lawyer and improper form conflict of interests deceptive and wont reveal that there are no beneficial owners and that they are making a false claim on a time barred debt which i have tried to settle many times since being accelerateed when current and my payments were never credited, then XXXX transfers, all was witnessed by XXXX now, Transferred to nationstar when i asked boa and sps who they were from finding a deed of trust to nationstar which was placed 11 months after XXXX  transferred and was met with a transfer to nationstar, first assignment was placed not to secure any injury to trust but to come after me specifically and placed after this fund had revoked registration by sec, and paid all holders from future losses there is a greater risk to anyone serviced by nationstar from the forclosure era and financial crisis era we are the unprotected unsettled victims
Product: Debt collection

Citi bank is trying to collect on time barred debt and in order to get that done they filed in Federal court with false allegations about fraudulent charges when in fact the bank has never before brought up that argument and all charges were legit and even Citi has already sent me 1099c 's for this old debt they just trying to create a narrative to try to collect an old debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for my dispute to be forwarded to XXXX Consumer Affairs Office because these fraudulent accounts are not being handled properly nor correctly. 

The following fraudulent accounts need to be deleted immediately from my Equifax credit report : 1. XXXX Account # : XXXX 2. XXXX XXXX XXXX   XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX 4. XXXX XXXX XXXX  Account # : XXXX 5. XXXX XXXX Account : XXXX 6. XXXX XXXX Account # : XXXX 7. XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

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.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME XXXX XXXX XXXX ). I have no idea why this account is on my consumer reports. This account is direct violation of the FCRA! Im not sure what kind of account it is, it has no identification stating what kind of account it is or was. There is NO account number listed on either of my consumer reports. The original balances are inconsistent on all consumer reports. The payment history differs across all of my consumer reports. There is NO open date listed on either consumer report. This account violates so many laws. I want this account removed from all of my consumer reports ( XXXX, XXXX, EQUIFAX ). I DO NOT GIVE CONSENT FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORTS.
Product: Mortgage

Flagstar Bank is reporting a 30 day late payment on my credit report that is not accurate. Currently, I am seeing 30 days past due as of XXXX 2013 which can not be true. I have disputed this account several times and see that they are in violation of the Fair Credit Reporting Act by not reporting the account as in dispute which entitles me to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts with XXXX was charged off in XXXX of XXXX forBalance {$1700.00} and the other for {$6200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have two accounts with this lender and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed accounts. The following laws were violated ; 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 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: Vehicle loan or lease

On XX/XX/24, I bought a used car from XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
The sales rep automatically included their Mechanical Failure Service Contract, Appearance Protection Warranty, and Paintless Dent Repair Service Contract. After some thought and discussion, I told her that I did not want any of these additional products. 
At that point, she told me that I could cancel them after XXXX days and get my money back. She even had me sign a form to cancel and said she'd call me in XXXX  days and submit the form if I still wanted to cancel them. I relented because I believed it was something that could be undone. 
Of course she never called. I called XXXX on XX/XX/24 and was told that only the Mechanical Failure Service Contract could be canceled, and that it would not lower my monthly payments because it would come off the backend. I asked to speak to the XXXX. He told me I could also cancel the Paintless Dent Repair Service Contract, but not the XXXX XXXX XXXX. He said he couldn't do anything about my payments and was unconcerned with the fact that the sales rep was dishonest. 
I submitted the request for the cancellations on XX/XX/24, but haven't received any status updates yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

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 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, 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 that 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 conviction 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 calls to believe that the information is inaccurate.
Product: Mortgage

I began shopping for a mortgage in XXXX of XXXX  for a closing date of XXXX XXXX, 2020. I applied with two different mortgage companies to negotiate the best rate possible. 
One lender gave me a proposal that only included XXXX591 points. I emailed a copy of this to the Senior  Lender at the other mortgage company and he agreed to give me a credit in the amount of {$1100.00} which was reflected on the XX/XX/2020 Loan Estimate they provided me. 

On Saturday XX/XX/2020 at XXXX XXXX  I received an email with final disclosure and saying I needed to E-sign it to insure my closing date. The Loan Disclosure that came with this request did not have the Lenders Credit of {$1100.00}. I sent several emails to the Banker and the Purchasing Manager asking why the Credit was not included. Sometime on Monday XX/XX/XXXX I was able to get the Purchasing Manager on the phone ; however he said my Banker needed to answer my question and he had taken vacation. I ultimately signed the document and continued to ask questions about the disappearance of the {$1100.00} Credit. I have gotten the run around with no one answering my question. Then yesterday I received an email from the Banker and he said the team that had processed the loan in his absence told him that the Credit had been factored in some other place. I looked closely at the Consolidated Closing Statement and didn't see anything that remotely resembled the credit. When I asked the Banker to show me where on the Closing Statement the Credit had been factored in, I got no response and have not heard from anyone at the Mortgage Company.
Product: Credit reporting

XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX account ( Account # XXXX ), which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau and XXXX XXXX comply with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than XXXX days late. Statements are attached showing the payments within XXXX days of due date ( Highlighted in yellow ). I have reached out to XXXX XXXX on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Lexington Law Firm hoping they would help me to repair my credit by disputing and clearing up items on my credit. I contacted them after the first month telling them that credit people were now threatening to come after me and they said thats typical. After the third month I asked to cancel my subscription which they tried to get me to keep paying them and just be patient. There was NO help to my credit score, if anything it dropped. I paid them {$130.00} in XX/XX/2022 and XX/XX/2022 as well as {$130.00} in XX/XX/2022. I want my money back from all services not rendered.
Product: Money transfer, virtual currency, or money service

Cashapp they close my account for no reason and they don't give you a person to talk to
Product: Credit reporting

This is the second case I 've had like this. There system is replacing reported data with " NR ''. For years, Equifax has report my XXXX automobile account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is turning months into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX.
Product: Consumer Loan

Ally Auto has billed me on numerous occasions for summons I have not received. When asked for a copy of the summons they claim they do n't have access and give you a summons number to look up on the DMV website. When you log into the website the number does not appear in their records. I have called the DMV several times and the summons number provided by Ally is never on file. They bill me for a summons they claim I received and add additional fees but can not provide documentation of the summons.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent in a personal information dispute letter to correct the name, address, social etc ... My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, requirements of this subchapter, and proper utilization of such information in accuracy, relevancy with the accordance The current personal information being furnished is inaccurate, not relevant outdated information.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever 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.

The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information above
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

In XXXX Asset Acceptance , LLC at XXXX XXXX XXXX XXXX MI XXXX filed suit against me Case in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Asset Acceptance acknowledge full payment of Final Judgement in Garnishment entered on XX/XX/XXXX for the Writ of Garnishment issued on XX/XX/XXXX, in the above-named Court against me, that was executed on XX/XX/XXXX. Asset Acceptance filed the same writ of garnishment in XX/XX/XXXX for the amount of {$770.00}, including accrued interest, under the same Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the case was argued on XX/XX/XXXX with Judge XXXX XXXX XXXX and ultimately dissolved, and was hereby ordered to cease and desist any further actions to garnish my wages ordered in XXXX XXXX XXXX Florida XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a couple inquiries appeared on my consumer report. Someone tried opening fraudulent accounts with my social security number. I've created an doc report as well and demand for all items within that report to be deleted immediately. my identity theft reference number is XXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt 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 XXXX trafficking of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}