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

I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company. 
FCRA XXXX ( a ) ( XXXX ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution XXXX submit additional negative information to a consumer reporting agency described in section XXXX ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice XXXX not be included in the initial disclosures provided under section XXXX ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who XXXX that it was XXXX and XXXX me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a correct statement so we wont have this maundering anymore of my account and stated that this mistake would be corrected. XXXX payments were sent for XXXX when my lease was up, and I got another card. I have never been late on any of my accounts and have perfect history
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Information - Reference to Federal Laws and FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information that appears on my credit report, as furnished by the credit reporting agencies. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and referencing federal laws that pertain to my credit information. I kindly request that the Consumer Financial Protection Bureau investigate, intervene, and delete all information that is not 100 % accurate per consumer law on my credit report as soon as possible. 

Additionally, I previously submitted complaints to the CFPB ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting deletion of all inaccurate information and monetary compensation for each violation in accordance with the FCRA, other Federal Laws and regulations. 

The specific inaccuracies I am disputing pertain to the following charged-off accounts, which have been reported on my credit report : 1. XXXX XXXX XXXX XXXX charged off 2. XXXXXXXX XXXX XXXX XXXXXXXX charged off 3. XXXXXXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXX XXXXXXXX XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXX XXXX ) 5. XXXXXXXX XXXX XXXXXXXX charged off 6. XXXX # XXXX charged off 7. XXXX XXXX XXXX XXXX charged off 8. XXXXXXXX XXXX XXXX XXXXXXXX charged off 9. XXXXXXXX XXXX XXXX XXXX XXXX charged off 10. XXXXXXXX XXXX XXXX XXXX charged off 11. XXXX XXXX # XXXX charged off I dispute the accuracy of these charged-off accounts, as well as the reporting of income information on my consumer report, which is in direct violation of my rights and has caused serious harm to me and my family. 
Furthermore, I am seeking monetary relief of {$1000.00} per violation for the following dating back to XX/XX/XXXX to present : 1. Defamation of Character.

2. Negligent Infliction of Emotional Distress. 
3. Violations of 15 U.S.C 1666 ( b ).

4. Violations of 15 U.S.C 1681.

I kindly request that the Consumer Financial Protection Bureau intervene and ensure that the credit reporting agencies promptly investigate these matters and delete the inaccuracies on my credit report. Please provide guidance and assistance to ensure that my rights under the FCRA are protected and that I receive the monetary relief to which I am entitled. 

In accordance with the FCRA, I expect a thorough and timely investigation into these disputes, and I request that the Consumer Financial Protection Bureau work towards a resolution of these issues. Attached is my consumer report for you review. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this matter. 

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

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting

Guilt by association : I got my annual credit report Experan, there are XXXX negatives on the credit report, XXXX from XXXX XXXX, XXXX from XXXX XXXX. I never signed a contract with either, however my husband did. we are XXXX separate persons with separate credit reports, who do nothing but live together. I should no be penalized For his mistake Experian refuses to take the entries off like I said I never signed a contract with either company
Product: Payday loan, title loan, or personal loan

Around XXXX of XXXX I took out a {$2500.00} loan with a company online called XXXX XXXX XXXX. Their website left the impression that they were legally able to operate in the state of Hawaii and that they operated in accordance with the SCRA and MLA. All monthly payments were made. On XX/XX/XXXX I took out another loan with them for {$3000.00} at a 32.78 % interest. I combined my monthly payments for the two loans ( monthly payment : {$240.00} ) but the two accounts were still open. Fast forward to XXXX of XXXX when my last payment was made to them. I had some financial troubles as well as issues with my debit account. I do some research on lending laws and practices. I find out that the state I reside in- Hawaii- requires lenders to not only be licensed to do business in that state but also caps the interest rate at 24 %. I also find out that the MLA doesnt allow loan rollovers. I send an email to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX questioning the legality of the loan. I receive no response back but on XX/XX/XXXX XXXX XXXX I receive a missed call from XXXX XXXX XXXX. I return the call at XXXX XXXX and Im told by Mr. XXXX, my account representative, that I have a past due balance of around {$1600.00} and that my account will be charged off if I dont make a payment by the end of the month reflecting negatively on my credit. I set up a payment with him. I then begin to question him on the legality of the loan and he responds by listing the companys credentials and that any matter pertaining to the companys legality is XXXX XXXX XXXX. I then ask for the Lending Agreement. He responds by saying I can either email the company my authorization to email the documents or check online in the Documents section of My account. I head to my account and none of the Lending Documents are there only the updated Privacy Act. I also see that my original loan of {$2500.00} has been closed without my knowledge and appeared to have been refinanced without my knowledge. I call Mr XXXX back to inquire about the lending documents. When I told him the only Documents that appeared was the Privacy Act, he responded with what more do you need then? He then proceeded to read of the loan details but made no attempt to send me the loan agreement. Only after calling him a fifth time did he give me the email contact so I could email the authorization but have no exact time frame of when Id receive a response. I am currently waiting for response as well as seeking legal advice.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do XXXX XXXX  for Deletion for this account that isn't even mine.
Product: Credit reporting or other personal consumer reports

Submitted a dispute to experian explaining that theres a fraudulent XXXX XXXX on my credit profile disputed the information 5 or 6 times and experian still havent removed the public record
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to XXXX, XXXX, and Equifax is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached
Product: Credit reporting

XXXX XXXX is a collection agency and is reporting inaccurate information about me to Experian. After my initial dispute they are reporting an account for {$67.00} on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuit of the Fair Credit Reporting Code 15U.S. Code 1681c-2 ( A ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I am requesting that Experian delete the false information they are reporting. I have submitted information regarding that these accounts are the result of identity theft and Experian Continues to report items as valid. It is clear that Experian is deliberately violating the FCRA by continuing to report these items. I am including proof that Experian has been notified of the Identity theft. I am also exercising my right to privacy via FCRA 15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have not given Experian my permission, nor the furnisher of the information to report this information. I hereby revoke any insinuated permission to report these following items on my report. I am requesting that the following items be deleted permanently and immediately : XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX Acct XXXX XXXX XXXX Acct # XXXX Reference : Fair Credit Reporting Act 15U.S. Code 1681c-2 ( A ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. 6 from XXXX XXXX and 2 from XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( 2 ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt attention to this matter.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTS FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS A FRAUD LOAN. I DO NOT ENCOURAGE YOU TO MODIFY OR ALTER DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C

1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN
ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

I do events for a living, so I book venues a lot. I have a friend who sent me someone elses number saying that someone owned a venue. The venue owners name is XXXX. I spoke to XXXX over the phone and we agreed that I would host an event there. I booked the place and signed a contract online. I never got to see this place in person or to meet him, but I trusted him because Ive done this plenty of times and there has never been a problem. I sent him {$2500.00} through zelle. 2 days before the event, XXXX canceled it and said he would send me the money back. Its almost been a month now and he blocked me and didnt send any money back. Im only XXXX XXXX XXXX and I need the money back asap. I asked the bank to help me and they said they cant do anything about it. Please help me. The contract says he must send it back if he cancels it. His company name is Invite Only. His name is XXXX XXXX XXXX. Location of his venue is XXXX XXXX XXXX XXXX XXXX, FL I have all proof necessary I use Chase Bank I sent him XXXX payments of {$1200.00} through XXXX His phone number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX Phone : XXXX XXXX XXXX, XXXX **Re : ** Formal Investigation Request & FCRA Compliance ( Sections 604 and 609 ) To TransUnion LLC, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) with the intent to challenge the validity of specific information contained within my consumer report. As governed by Section 609 of the FCRA ( 15 U.S.C. 1681g ), I formally request that you provide all documentation, verifications, and substantiations regarding the origin of the data reported by your company. It is crucial that you authenticate the accuracy of the following account, as its presence has resulted in financial detriment and undue harm. 

XXXX XXXX XXXX Account in Question : - **Account Name** : XXXX XXXX XXXX  - **Account Type** : Other Loan - **Balance** : {$630.00} - **Monthly Payment** : {$35.00} - **Interest Rate** : 15.63 % - **Date Opened** : XX/XX/year> ( 6 months ) Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), it is mandatory that data furnishers have a permissible purpose before reporting any information. I am requesting that your agency investigate whether the original creditor had the legal standing and adequate authorization to access and report my private information. 

Furthermore, it is imperative that I receive full disclosure of all parties that have accessed this information without my express written consent. Failure to provide such documentation would be a direct violation of my consumer rights under both Section 604 and Section 609. 

XXXX XXXX XXXX  Potential Violations : - **Failure to Verify Permissible Purpose** : There is no evidence provided that demonstrates any permissible purpose to collect, report, or access my personal information under the mandates of the FCRA. 
- **Reporting of Inaccurate Information** : The account in question appears incorrect, and no lawful verification has been provided to substantiate its presence. 

Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I demand that you conduct a thorough investigation into these inaccuracies and rectify any data that can not be conclusively verified. Should your agency or data furnishers fail to meet these obligations, I am prepared to take legal action and hold all involved parties accountable for non-compliance. 

I expect full resolution of this matter within the time frames allotted under the FCRA. Kindly furnish all results of your investigation, the source ( s ) of the data, and any updated reports reflecting the necessary corrections. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$100.00} DPT EDXXXX****-Balance {$2300.00} DPT ED/XXXX****-Balance {$5400.00} DPT EDXXXXBalance {$7500.00XXXX XXXX XXXXXXXXBalance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$27000.00} ( Original Creditor : ) XXXXBalance {$36.00} ( Original Creditor : XXXX XXXXBalance {$25.00} ( Original Creditor : ) -XXXX**-Balance {$160.00}
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report, which are fraudulent and likely due to identity theft. Under 15 U.S. Code 1681c-2 of the FCRA, these inquiries should be blocked. Attached are my FTC Identity Theft Report, identification, and credit report highlighting these inquiries. I request their immediate removal.
Product: Checking or savings account

On XX/XX/2022 at XXXX I received an email from Chase Bank stating my new Chase XXXX XXXX account is open. At XXXX XXXX I received another email from Chase that my email address had been changed as requested. I did not open an account with Chase Bank. I went to Chase and they verified I had an account with my name, date of birth and social security number.
Product: Debt collection

I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge nor did I authorize/consent to the following 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 XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. AND EVERY TIME I ASKED FOR A CREDIT REPORT THEY WOULD SAY THAT THEY CANT FIND ONE IN MY NAME. ON MY CREDIT REPORT EQUIFAX IS REPORTING SOMEONE ELSE REPORT ON MY CREDIT REPORT AND IT IS IN SOMEONE ELSE NAME BUT ITS STILL ON MY CREDIT REPORT. 
XXXX REFUSE TO GIVE MY CREDIT REPORT AND I SEND IN THE REQUIRED DOCUMENTS. AS A CONSUMER I HAVE THE RIGHT TO KNOW WHAT IS ON MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

these are the accounts that I've marked inaccurate : XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number XXXX