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

I am writing to demand that you take immediate action regarding the reporting of my account. I have discovered that it has been reported in violation of 15 USC 1681a, which is a clear violation of The Fair Credit Reporting Act. While I don't dispute the validity of this account, I do dispute the way it has been reported. The reporting of this account is a violation of my privacy rights, as it discloses non-public personal transactions between me and the company involved.

I expect you to rectify this situation at once and take all necessary steps to ensure that my rights are protected. Failure to do so will leave me with no other choice but to pursue legal action against your company. I hope you understand the seriousness of this matter. 

Sincerely, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Fraudulent account on my credit report XXXX XXXX XXXXXXXX account number XXXX ). 
I am disappointed that my information has been compromised by identity theft. Im trying to buy a house for me and my family and this has put a serious hole on the process. By the FCRA 15 C 1681G my information should be safe and secure and its not. My information has also been in a breach. According to section 605B of the fair credit reporting act requires consumer reporting agencies to block frozen information on a consumers credit report if that consumer claim it was a result of identity that credit reporting agencies must block the information within four business days from receiving this information. 

Fair to respond with deletion of the above reference account and sent out a free copy of my credit report will result in legal actions being taken against your company for which I will also be seeking XXXX per violation for defamation of character, negligence, enablement of identity theft, section 1681EB of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX
Product: Debt collection

This company keeps calling saying they are with American Express and looking for XXXX. I have no idea who XXXX is and have told them numerous times.
Product: Debt collection

A cease and desist order was submitted to XXXX XXXX XXXX XXXX XXXX XXXX . According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been a victim a identity theft from income tax to credit cards and people trying to obtain things using my credit, such as social security number and birthdate. I called  XXXX  and  XXXX  and they handled the inquiries and bad accounts with no issues, they removed everything that was fraudulent with no problem at all because they can see the pattern of fraud. I called trans union and explained the issue, they told me to call every inquiry on my report and get a letter of deletion. When I call the numbers on the reports the companies state there is no record of me applying for the credit. I have ov er 80 inquiries   on trans union and they will not help me. I hav e 5 inquiries on  XXXX  and 10 on   XXXX , obviously something is wrong. I spoke wi th two su pervisors at trans union and they all say the same thing call the consumer and get a letter of deletion, how can i get a letter of deletion when they do not have the proper information on the trans union report, I called the numbers on my trans union report and the numbers are inaccurate. My loan  officer stat es I seem to be a victim of th e trans union inquiry issue, but I call trans union  and they state I 'm not. I am at a lost here something is definitely wrong with trans union reporting and they will not help at all. The numbers on the transu nion reports to call are inaccurate so i cant get a letter of deletion, I explained that  to two supervisors at trans union and they state there is nothing they can do it will fall off in two yea rs. This is fraudulent and inaccurate reporting what do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX, violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, 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 states : A consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I have made at least XXXX attempts this year to try and resolve the issue with my credit reporting company Equifax. I have provided proof that they went over XXXX days in providing a dispute and attempted to ignore or deliberately hide it. Instead that they have only provided generated responses. As of now, I am serving notice that I will be pursuing a civil suit against Equifax for XXXX reasons : monetary relief for each negative item, permanent removal of all negative items disputed from XXXX 2014 to present, and pain and suffering due to denial of credit and not being able to purchase a home. This can be prevented if Equifax can permanently remove the items. I want more than a generic response saying that items were verified. FCRA requires you to remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018, I had an issue with my tire and needed to obtain proof of additional products purchased ( Road Hazard ) to get assistance in the current city I live in ( XXXX, FL ). Due to me not having the documents needed, I tried to contact XXXX FL XXXX and my calls was never returned and when I got through to Sales I was denied assistance. 

I then reached out to corporate and made a complaint ( XXXX # XXXX ) and requested to cancel my XXXX XXXX extended warranty and additional products purchased through the dealership ( GAP and Road Hazard ). XXXX XXXX promptly processed my request to cancel my extended warranty ( Case # XXXX ) but I am still having issues cancelling my GAP and Road Hazard because the XXXX FL dealership is giving me the " run around '' to process the request. 

Due to the numerous issues I am having with XXXX and being tied to a vehicle loan, I only wish to pay my car loan and obtain other business needed with another company ( GAP/ Road Hazard ). 

On XX/XX/2018, I spoke with a specialist at XXXX  named " XXXX '' and left a voicemail explaining the issues with this dealership but I do not know what else to do. I will not and find it ridiculous that I drive or complete the process through mail with the dealership. I have done ever other request via phone/ electronic and I wish to proceed that way.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX attempted to obtain my credit report via annual credit reporting. XXXX and Trans Union would not respond stating my account couldnt be released because it was locked up for promotional reasons. 

Attempted to obtain credit reports from XXXX and trans union on two separate occasions in XXXX. Provided necessary and needed documentation to annual credit reporting. Trans Union and XXXX stated that I did not provide correct information. On both occasions. 

XX/XX/XXXX, I attempted to apply for a XXXX card to improve my credit. I keyed in my name and my Social Security number and I could not be verified. 

On the same day, I applied for a XXXX XXXX  credit card. My address could not be verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX CO XXXX XXXX I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting the date last active was XX/XX/XXXX when this is incorrect. The DLA is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting that this is removed from my credit report. This account is also XXXX XXXX XXXX and should have been removed on XX/XX/XXXX which is another violation. Stop reporting this information on my credit report for failure to legally verify.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information about the accounts in question and notified them of the violations they have made to my consumer report. Despite the mandated XXXX response period, I have not received any response from them. Attached are copies of all the letters I have sent for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filed multiple disputes for the XXXX  XXXX account on my XXXX and Experian I showed identity theft report Ive showed police report they have went against fcra XXXX that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND XXXX THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this
Product: Debt collection

I dont use credit cards and have a 800+ credit score. I decided to get a XXXX XXXX credit card from Citi. In two weeks, the card was compromised. The account was closed down and it also closed out my membership with XXXX. I had to spend hours fixing the XXXX membership issue with new cards, etc. The credit card company failed to send a new card. Then they began calling me incessantly for {$3.00} outstanding on the credit card. This was the result of interest. I explained that the card was compromised and that I repaid the balance. I never received a card so they kept increasing the charges. I spoke with an individual in customer service who closed out the account in XXXX ( at my request ) and when I prompted them to understand if there was an outstanding balance, they advised me there was no balance. Citi then sent me another card and began INCESSANTLY calling me for an outstanding balance. I called Citi one more time and advised them I would not pay {$3.00} for their error for not closing the account properly and they threatened me to charge late payments, etc. I told them this was insane and a hassle because I wanted the account closed. I will not pay this outstanding amount. Citi is calling at least three times a day and its all just automated prompts with massive wait times. This is harassment and it needs to be resolved. AGAIN, I dont use credit cards. I am an adult with excellent credit, long term job stability and significant deposits in the bank. Now, they keep sending me emails. No one thinks in this company. Its downright pathetic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX share my personal information with a third party without my authorization. 

They have also voilated my consumer rights granted by Congress. 

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.
Product: Credit reporting or other personal consumer reports

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX XXXX Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX & Experians actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX XXXX Experian complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that recently received a copy of my credit report that your company publishes and after receiving it i found a number of items on the report that are inaccurate. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. If you do not have documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Please don't respond to my request by saying that these accounts have been verified. 
XXXX XXXX XXXX . Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 confidentially under 15 USC 1681. 
XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed and what is wrong with Experian they don'y see the 1099C I included to this message they don't know that they have to remove this account so I'm attaching the 1099c again and demanding this account to be remove. STOP REPORTING CHARGE OFF THE BALANCE IS {$0.00} AND THE 1099C VERIFIES THAT.