23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX BANK # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am currently sitting in front of a banker that states I do not qualify for a free checking account because XXXX ranks my Credit score at XXXX. These actions against me are retaliatory and discriminatory. How is it other venues have my scores at XXXX additionally I just paid down my debts. A creditor removed a collection item 3 weeks ago sent it to the credit bureaus. XXXX still has it own there and lowered my FICO after getting notice my credit card bill was paid down. This is a common practice for them to do this. When an invalid debt is to be removed the either remove without notification and no increase in the score or lower the credit score then remove the negative item so the credit score never fully receives the increase it should. All one needs to do to verify this is look at the items I have disputed since XXXX where the creditor removed the invalid negative item and XXXX  and XXXX  specifically delayed the removal and never applied the proper score increase. XXXX  has hard inquiries on my credit and Ive not had any request for credit from XXXX XXXX XXXX lowered my credit limit in XX/XX/XXXX stating they received information from the credit bureaus. Nothing had changed on my credit. Both XXXX and XXXX reported me late 2 in XX/XX/XXXX for XXXX XXXX. Per XXXX XXXX they did not send anything to the credit bureaus because I was not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and Experian, XXXX  and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to Experian and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I am contacting you in hopes that you can help me get this fraudulent credit card account XXXX opened in 2016 from my credit report. I am not sure how someone got all my information other than being in several breaches. I have been trying to fix this and it is still listed on my credit report. Please assist me with removing this account.
Product: Debt collection

Debt Recover Solutions is attempting to collect a debt that is past the statute of limitations and past the 7 year period for Fair Credit Reporting. They are using illegal tactics such as re-aging and ignoring validation attempts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I am writing to formally request that fraudulent information be blocked from my credit report in accordance with 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act. I am a victim of identity theft that occurred as a result of the XXXX data breach. As a result, fraudulent accounts or inaccurate information have been added to my credit file. 

They have not attempted to remove these inaccuracies on my credit report. At this time XXXX, Experian and or XXXX are violating my consumer rights. I have filed reports with FTC and CFPB. This is making is difficult to obtain a auto loan and personal loan. 

Please Remove accounts that are not mine. 
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 At this time XXXX, XXXX and Experian is violating my rights and federal laws. This is affecting my ability to purchase a new vehicle and obtain a personal loan. This information needs to be immediately removed
Product: Payday loan, title loan, or personal loan

In XXXX of 2021 XXXX XXXX put a late payment on my account. This was an auto bill pay issue and they recognized this on their end because they closed the account then reopened it when I disputed the issue with an account manager. They sent me a letter saying they changed my billing structure on the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My XXXX Dispute was mailed XX/XX/2021 and XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention some discrepancies I have discovered on my credit report regarding late payments. Upon reviewing my credit report, I noticed that there are late payments listed for certain accounts. However, I want to clarify that these late payments are not accurate representations of my financial history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 


XXXX XXXX XXXX XXXX XXXX  - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a pressing issue regarding identity theft, which has resulted in multiple fraudulent entries appearing on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent and require immediate attention. 

ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to credit bureaus asking them to remove items it belong to Ex husbandI didnt get a response back from XXXX or Transunion XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this as complaint XXXX The Creditor asked for proof that I was affected by identity theft or fraud. I attempted to submit a complaint with the FTC but I was directed to CFPB however I was involved in the XXXX Data Breach and was paid a settlement and I have the Email confirmation as to that settlement payment being sent out to me. This account is unauthorized and I have no Knowledge of the account being opened. This account is having a negative impact on my credit profile and I would like it removed from my credit profile
Product: Debt collection

I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, XXXX aka XXXX XXXX, XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXX. 
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666b states : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any reason I have not been late on these payments, I've requested the company send me verification that these accounts were late and that they sent written instructions and they have not sent me anything. Please remove these late payments from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/2023 : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ONLINE INFORMATION S Original creditor : XXXXXXXX XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX and XX/XX/2022 it started sharing my private data TransUnion credit bureau and XXXX credit bureau Are in direct violation of the fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly state 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 an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late payment for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Report Act.
Product: Credit reporting or other personal consumer reports

Equifax has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my Equifax data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : 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 closed my XXXX XXXX account on XX/XX/2023. My Early Warning report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was allowed to be stolen from equifax. ALL OF MY INFORMATION! My name, address, social security #, date of birth, credit cards EVERYTHING! I have confirmed this on THEIR WEBSITE! I am angry beyond belief!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and the associated information provider for incorrectly reporting late payments on my credit card account under account number XXXX. 
This incorrect information on my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection from Nonpayment of Obligations Act ( PAANL ), and the Unfair, Deceptive, or Abusive Acts or Practices Act ( UDAAP ).

1. FCRA : The credit agency and information provider have failed to ensure the accuracy of the data on my report, and incorrect information continues to appear despite my request for a thorough, manual check as required by the FCRA. The lack of manual investigation, as well as the potential reliance on the E-Oscar automated system, is a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic statements within the statutory time frame of 21 days prior to the payment due date, resulting in incorrect reporting of late payments. I request that records be provided to me showing compliance with the requirements of TILA, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : Inaccurate reporting of my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under the UDAAP rules overseen by the CFPB.