23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in received some letters from XXXX XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX  # XXXX****, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between FFCC and myself, XXXX A XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging the XXXX XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX Collections : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX Employer XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX Collections : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN is obligated under the FCRA to ensure the accuracy of the information reported on my credit file, yet they have failed in this respect. They have inaccurately reported a late payment associated with my XX/XX/XXXXXXXX account ending in XXXX, which is a clear deviation from the truth. The record indicates a 30-day late payment in XX/XX/2019, an assertion that is both incorrect and should be amended to reflect the status of PAID AS AGREED. 

Moreover, according to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report should not include information that pertains exclusively to transactions or experiences between the consumer and the reporting entity. The inclusion of these late payments is a direct violation of this provision, infringing upon my federally protected consumer rights.

I would also like to highlight that I never granted EXPERIAN explicit authorization to include these erroneous late payments in my consumer report, constituting a breach of 15 U.S.C 1681b ( a ) ( 2 ). It is evident that EXPERIANs actions are not only a violation of my rights under the FCRA but are also inflicting significant emotional distress and tarnishing my reputation, leading to discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency has never been in contact w/me before. They provided an incorrect address about an account I have never seen. I advised them that it was not mine and never has been because I have an account w/the entity they stated my account was open with. They required me to submit information w/my current address to prove that I received their attempts to collect a debt and to file a police report and then they will remove it. This sounds very fishy to me. I already advised them the debt is not mine and I have never lived at the address they provided. I have lived at my current address for the last three years and this account is from 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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: Mortgage

Hello, I contacted Hud on XX/XX/XXXX regarding the upcoming foreclosure date of XX/XX/XXXX for XXXX XXXX XXXX XXXX VAXXXX. I wanted to know what options were available to me. They advised me to contact Loan Depot to inquire about a XXXX Forbearance plan in which I did. XXXX XXXX of the Loss Mitigation department contacted me and after a few days of phone tag we spoke on the phone and he advised me what documents were needed. I emailed all documents to the Loss Mitigation department on XX/XX/XXXX, XXXX, XXXX and XXXX. I received a letter in the mail stating that all documents had been received and I would hear something in 30 days. I was made to believe all foreclosure proceedings had been stopped but to my surprise they auctioned my house on XX/XX/XXXX to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX ph # XXXX. I went to my house on XX/XX/XXXX and there was a No Trespassing note attached to the door and the locks had been changed. I contacted the number on the note and spoke with XXXX we setup a date to get my stuff out of the house and he advised me this would be the only time I could get my belongings. I have not received an eviction notice, I can not get my mail, I was kicked out on XXXX XXXX. Loan Depot has sent me nothing and this has been a nightmare from XXXX. I would like to see Loan Depot and the purchaser or my property be punished for the handling of this sale. Loan Depot Never offered me a Loan Modification, or a Forbearance Plan, they just sold my house from under me. The realtor that purchased my house has violated my rights right from the start. Please help. You may contact me at XXXX, and my contact number is XXXX. I look forward to hearing from you soon. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( XXXX ) and the person ( XXXX XXXX XXXX FINANCE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXXXXXX XXXX XXXX can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of {$24000.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXXXXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for XXXX greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX XXXX XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( 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 or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience with Transunion. Transunion has neither corrected nor removed disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am disputing 8 late payments displaying 90+ days at the end of the auto loan on my XXXX XXXX XXXX XXXX XXXX account, reported on my credit reports. I have attempted to contact XXXX multiple times by phone, but their automated system states they have no record of my account and does not allow me to speak with a representative. 

XXXX : XXXX - XX/XX/year> TransUnion : XXXX - XX/XX/year> *Please see 3-bureau credit report attached. 

I disputed these inaccurate late payments with XXXX, but they simply added a dispute notation and claimed XXXX confirmed them. This is unverifiable data. XXXX can not confirm an account they have no record of, and the Fair Credit Reporting Act ( FCRA ) requires that all reported data be accurate and verifiable ( 15 USC 1681 ). 

Since XXXX is failing to verify or even acknowledge my account exists, these late payments must be removed immediately as they are blocking my access to credit. I am unable to secure an auto lease because of these inaccurate late payments. Please investigate and force XXXX to either properly verify the data or delete it. ''
Product: Debt collection

SYNDICATED OFFICE SY XXXX XXXX XXXX XXXX.XXXX # XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Violation of HIPPA ( This business is not a business associate listed with the state of Florida Dept. of State with XXXX XXXX XXXX. 

Business associate functions and activities include claims processing or administration ; data analysis, processing or administration ; utilization review ; quality assurance ; billing ; benefit management ; practice management ; and repricing. Business associate services are : legal ; actuarial ; accounting ; consulting ; data aggregation ; management ; administrative ; accreditation ; and financial. See the definition of business associate at 45 CFR 160.103. 1. I have no accounts with this company and the address and information related to this account does not match my personal information. Also, this company is not XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 


2. This company has two different addresses of which the above address is not registered in Florida to do business as XXXX XXXX XXXX XXXX. Detail by Entity Name on The Florida Department of State ( XXXX ) as a Foreign Limited Liability Company. 

XXXX XXXX XXXX, XXXX Filing Information Document Number XXXX FEI/EIN Number XXXX Principal Address XXXX XXXX XXXX XXXX, TX  XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX XXXX XXXX, TX   XXXX Changed : XX/XX/XXXX Registered Agent Name & Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX Authorized Person ( s ) Detail Name & Address Title Sole Manager XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. This debr does not match my address.
Product: Debt collection

Collections account date is wrong and this lease was broken as a result of the Covid 19 pandemic and I applied for rental assistance for thr apartment but never received it.
Product: Credit reporting or other personal consumer reports

The following inquires are fraudulent : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

my credit report is showing I have a XXXX XXXX bill for XXXX from XX/XX/2018 I do not kown about this bill.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to TRANSUNION about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.

This is a legitimate inquiry of information and declaring.
Product: Debt collection

I am writing to file a complaint regarding disputed charges assessed by XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX and subsequently sent to National Credit Systems , Inc. ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) for collection. Despite making the payment to avoid potential credit issues, I maintain that the charges are unjustified and unsupported by sufficient evidence. Additionally, the collection agent threatened to report the debt to credit bureaus while the dispute was still open. 

Here is a chronology of events : Initial Contact with XXXX XXXX : *Contacted via email and phone to dispute the charges immediately. Received no response. 

First Letter from Debt Collector : *Asked us to pay the charges or dispute *Disputed the charges immediately upon receiving the letter. ( sent by them on XX/XX/XXXX ) XX/XX/XXXX to XX/XX/XXXX : * No correspondence from them on the status of the dispute. 

Second Letter from Debt Collector : ( sent by them on XX/XX/XXXX ) *Received a threat to damage our credit if the charges were not paid. During a phone call, the collection agent initially did not acknowledge the dispute. After taking an hour to review, the agent claimed that not conducting a XXXX  inspection forfeited our right to dispute the charges. We were threatened with credit damage, forcing us to make the payment. 

*Formally requested proof via email on XX/XX/year>, and sent a letter via XXXX XXXX Despite payment, no proof of the damages ( such as photos ) was provided, even after multiple requests via email, mail, and phone. 

Despite payment, no proof of the damages ( such as photos ) was provided, even after multiple requests via email, mail, and phone. 

I have received an itemized list of charges but no justification for the damages claimed. Specifically, I requested Photographic Evidence : Clear photographs documenting the alleged damages that justify the charges. Furthermore, justification is needed on how this damage so not qualify as wear and tear. 

XXXX XXXXXXXX XXXX XXXX ( c ) and XXXX require landlords to provide a written, itemized list of damages and charges within 30 days of move-out. The tenant can request receipts if there is a dispute or issue regarding the cost and proof. This law does not state that a tenant 's rights are forfeited if a move-out inspection is not conducted. Our lease agreement does not specify that I waive my right to dispute the charges, contrary to what has been repeatedly stated by the collection agent.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATIONXXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and Experian, XXXX, and XXXX  is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.
Product: Credit reporting or other personal consumer reports

The accounts listed below are charge off and/or closed accounts that are continuously updating inaccurate information each month. A charge off account should NOT have any active payment history. The information reported falsely manipulates the statute of limitations. 

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 U.S.C. 1681c.

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. 

ACCOUNTS # XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX PLEASE UPDATE XXXX XXXX XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE
Product: Checking or savings account

Navy Federal Credit Union has charged my account overdraft fees from 2017 to present allowing my purchases to go through but later on put on hold so transactions in the back end will incur insufficient fund fees.