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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX XXXX XXXX  XXXX This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o the name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the consumer reporting agency, Transunion on XX/XX/2021 to notify them of inaccurate and obsolete items on my credit report. After 30 days with no response, I then sent a letter on XX/XX/2021 notifying the reporting agency they were required to notify me of their investigation results within 30 days but yet they had not provided me with results or updates within that timeframe.
Product: Debt collection

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Thief Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously disputed the account on XX/XX/2022. This account was deleted from the credit file on the subsequent credit report of XX/XX/2022. However, this account has reappeared on my credit report. In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and correct this account. 

XXXXXXXX XXXX XXXXXXXX Dates XXXX
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX 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: Consumer Loan

Reporting Inaccurate information on XXXX Credit Report. 
Regional Acceptance account is reporting inaccurate information on my XXXX credit report. They have on my XXXX report that the Open date was on XX/XX/XXXX. But on the payment history there are no payments reported from XX/XX/XXXX to XX/XX/XXXX. I have disputed this with XXXX and every time they say this information is accurate. How can i have a car loan with Regional since XX/XX/XXXX but the car payments i made to them are blank from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...
Product: Credit reporting or other personal consumer reports

Good afternoon to whom it might concern I have a XXXX credit card and a XXXX XXXX XXXX XXXX  XXXX credit card and XXXX card is showing late payments in my account on XXXX on XXXX and XXXX needs to be erased and show accurate XXXX trying to get a mortgage and by law they need to verify information that was ever late or I will take legal actions and ask in court to be disclose and verify. Please remove all late payments of my transition equivalent and XXXX  report because by law neither the credit XXXX neither the companies can report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact Equifax and XXXX  to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( Equifax and XXXX  ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on Equifax twice ) XXXX XXXX - Balance {$390.00} ( XXXX ) CHILD SUPP - Balance {$1300.00} ( Equifax ) XXXX XXXX - Balance {$0.00} ( XXXX  ) XXXX XXXX - Balance {$300.00} ( XXXX  ) I also submitted a FTC Fraud Affidavit to Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my Credit Report I Reached out to the credit bureau to open an investigation on the verification of accuracy and consistency of information on my credit report. The Credit Bureau came back with the result as being verified and accurate, and after doing more in depth research i found the information to be improper and inaccurate after the credit bureau stated they have already conducted their investigation In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX - XXXX XXXX XXXX XXXX-30 Days Has violated, my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a a account without my written instructions
Product: Credit card or prepaid card

BBVA credit cards seem to have been stolen in bulk and used in fraudulent transactions from a vendor called " XXXX ''. BBVA has shown in interest in protecting consumer credit card accounts from a data breach and allowed massive fraud to happen. Internet forums have reports of multiple accounts having the same problem, but the bank has no plan to address. 

Concerned that my personal information has been breached.
Product: Debt collection

Dear Resurgent Capital Services L.P., I am writing in response to your recent communication regarding the collection account XXXX. I appreciate the information you have provided, but I must respectfully challenge the validity of this debt.

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the right to request validation of this debt. I am requesting that you provide me with the following : * Verification of the original creditor 's name and address.

* Verification of the original account number and any relevant dates.

* A copy of the signed agreement, contract, or other documents proving that I am responsible for this debt.

* Verification of the amount of the debt, including any fees or interest charges.

Please note that under the FDCPA 809 ( a ), you are required to provide this information within 30 days of receiving this request. Until you have provided the requested validation, I am requesting that you cease all collection activities, including reporting to credit bureaus.

Additionally, the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) stipulates that information reported to credit bureaus must be accurate and verifiable. Failure to provide the requested validation could result in inaccurate reporting, which would be a violation of the FCRA. 
I look forward to your prompt response and resolution of this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I finished paying my car noteLast year XXXX ( 2022 ), however sometime before that, in XXXX ( 2022 ), about a month before i made my finalpayment, Automotive credit corporation ( acc ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from ACC ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done.

I recall talking to ACC team several times in XX/XX/2022 about why my creditreport is showing more balance than it should. A team member informed me that automotive is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. AroundXXXX XXXXXXXX, there still was no correction yet. ( I assumed automotive was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, Automotive will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, automotive quickly reported that late payment to the bureau.

Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever.

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?
Product: Mortgage

TRIED TO MODIFY LOAN WITH NO RESULTS. 
I'm in foreclosure again and must sell my home. XXXX XXXX  is the beneficary of this 2nd deed of trust with 9 % interest. Is there any assistance from the XXXX XXXX  settlement for homeowners like me to payoff this non - conforming loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that aren't mine on my credit report by XXXX XXXX on two of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling and resolving this matter with all 3 credit bureau and was not able to have any success with the credit bureau The listed item is entirely inaccurate and incomplete, and represents a very serious error their reporting the purpose of filing a complaint with the Consumer Financial Protection Bureau is to have you to do a fully investigation baring my signature I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), that the credit bureau may be liable for willful may result in a small claims action against all company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The credit Bureau also stated to the CFPB that all information that i reported back in XX/XX/XXXX the information was not being reported on my credit report from XXXX XXXX XXXX and stated that i will be receiving another copy on my credit report but how is that true when i just uptrained another credit report my self and was sent out back in XX/XX/XXXX this is grounds for deletion and a violation of my rights I would like to have this via an online public press release all 3 credit bureau violated state law 15 U.S.C 1681 section 602 A. states i have privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions please remove XXXX XXXX XXXX AND ALL XXXX LOAN as is it a violation to state law with the reportion that is being reported on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX loan was approved by creditor that I never gave consult to open under my name. I would like someone to review my case and to provide me with an updated report after the item has been erased.
Product: Debt collection

XXXX XXXX XXXX  XXXX about this account that incurred back in XX/XX/2018. As I stated to the representative, my state insurance, XXXX was active on XX/XX/2018 and that all medical bills that accrued between that time was covered by XXXX. I saw the doctor 6 times in the month of XXXX due to XXXX  and all those bills were paid by XXXX. So how was these 2 bills not covered when it ; s the same time frame.We then did a 3 way with XXXX and they told XXXX XXXX  XXXX that the bills had been paid and that I do not have any balance owed because all bills over 6 months are automatically dropped. XXXX XXXX has refused to remove this account from my credit report despite this information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> when I came back my overseas trip, I noticed that my checking account was blocked. I called my bank customer service and found out there was a fraudulent wire transfer with the amount of {$60000.00} from my checking account to the receiving bank on XX/XX/year>. I reported a fraud claim with my bank and requested them to recall the wire transfer. My bank later closed the recall due to there was no reponse from the receiving banking regarding the recall after 10 days. My bank also denied my fruad claim becuase I was not able to provide the writting statement from my cell phone service carrier to prove my cell phone number was compromised too. I asked the bank, there were XXXX attempts to wire the money out of my checking account, why they denies the first XXXX attempts, but still let the wire transfer went through the XXXX time. The bank tole me the thief was able to receive the XXXX time passcode and verified successfully. I told them it was because my personal email and cell phone account were compromised too The bank wanted me to get a writting statement from my cell phone service carrier that my cell phone account was compromised. I tried with the phone service carrier, but they told me unless I have a court order, they can't provide me with the letter.Then, on XX/XX/year>, I went to the bank 's XXXX near where I live and submitted Section 609 ( e ) of the Fair Credit Reporting Act, police report and FTC Report ( Fraud Affidavit ) I filled on XX/XX/year> to them in requesting them to provide me more information on this fraudulent wire transfer, but after waited for more than a month, the bank still told me there is no more information they can provide besides the receiving bank and the recipient of the wire transfer.
Product: Payday loan, title loan, or personal loan

OneMain Financial Group LLC Complaint XXXX Dear Sir or Madam : I paid off my balance with OneMain Financial Group LLC XXXX XXXX XXXX XXXX However, they never filed a release with the Registry of Motor Vehicles In MD.

I spent {$25.00} to get my title only to find out that they are holding a lien. 
XX/XX/XXXX I am on the phone with them, XXXX, and they said that they release the lien in XX/XX/XXXX. However, I am on the phone and they are not willing to send another release. They gave me another phone number XXXX, Customer Complaint line. She talked to the manager and I have to call that number. 
I get a message that they are not there -Executive Customer Care at One Main Office and I have to leave a message.

I left a message.

This is plain out a violation of the law wherein once a balance is paid they are to release the lien with the Registry of Motor Vehicle it is their job. I asked for another to be sent and I was told I had to go to the other office. 
This is a repeat of last year wherein I called XX/XX/XXXX to XX/XX/XXXX and asked for the lien to be removed from my XXXX XXXX. It took months. They should be held accountable and punished in addition to my loss of {$25.00}. But for their negligence and willingness to take care of this and not make me waste more time, I have to call another department. How many people do they do this too?? I also dont expect to call them for 3 months like I had to do last year. I want this resolved and mailed to the registry within 3 days. 




Again, I need a title without their XXXX and I need my Money back. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX MD XXXX XXXX XXXX
Product: Debt collection

XXXX uses fraudulent and deceptive communication practices with its clients. They closed my account without notice, despite me leaving multiple messages and emails for a return call back. Then hand the account over to collections while locking me out of account so that I can not review billing and account history. Have sent items to an old address purposely and just refuse to provide or answer any communications I and my attorney have sent. This company is just what you said they were based on your XX/XX/2017 consent order with the CFPB relating to how it markets TransUnion Credit Monitoring. They are a total sham and garbage the way they handle their clients and do not follow the law or reputable business practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.