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

Subject : Notice of Intent to Sue and Request for Immediate Action To Whom it May Concern : I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Reason for Dispute : INACCURATE AND INCOMPLETE INFORMATION BEING SHARED ON MY CREDIT PROFILE DESPITE MULTIPLE ATTEMPTS AND DISPUTES TO HAVE CORRECTED. 
Account Status - inaccurate across XXXX bureaus Date Opened- inaccurate across XXXX bureaus/ also inconsistent with the letter attached directly from XXXX XXXX XXXX XXXX XXXX inaccurate across 3 bureaus Date Last Active - inaccurate across 3 bureaus Payment Status - inaccurate across 3 bureaus Payment History - inaccurate and incomplete across 3 bureaus ( The addresses and phone numbers listed on the app documents are not my address nor have I ever lived at these addresses or used this phone number ) I am a victim of identity fraud and this is CLEAR PROOF OF THAT! 

XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : INACCURATE AND INCOMPLETE INFORMATION BEING SHARED ON MY CREDIT PROFILE DESPITE MULTIPLE ATTEMPTS AND DISPUTES TO HAVE CORRECTED. 
Date Opened - different than XXXX ( inaccurate ) High Credit Limit - different than XXXX ( Inaccurate ) Date Last Active - different than XXXX ( Inaccurate ) Payment History - Inaccurate and inconsistent - Showing CO code 2 months in a row - FCRA violation Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 

Thank you for your immediate attention to this matter. 

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

These hard inquiries are fraudulent and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is an ANNEXE to my already filed application for assistance. 
Thank you for your quick response to my request regarding my foreclosure of 2012. I am glad that the Company had received my application and find out that we haven't given the opportunity to receive due process. 
Documents that were missing in my previous application are today submitted in Annex in order to have completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through Capital One and made biweekly payments through automated withdrawals from my account. I made a payment on XX/XX/2021 and a week later I was in the process of trading in the vehicle. The dealership paid the car off on XX/XX/2021 and received the title on XX/XX/2021. Capital One then reported me to the credit bureau with a Late Payment in XXXX XXXX dropped by credit score by XXXX points. I have spoke to several representatives who indicate that they did not report me but it clearly shows on all 3 of my credit report. I have called numerous times and it is still not resolved.
Product: Debt collection

Receivables Performance Management ( RPM ) LLC is reporting a collections account on my credit reports for the amount of {$550.00}. The original creditor for this debt is XXXX 

In early XXXX 2016, I sent a debt validation letter to RPM. ( Please see attached ). I received a response from RPM dated XXXX XXXX, 2016 which states " Upon completion of our investigation, we do not have sufficient information at this time to make a determination of the dispute. '' ( Please see attached ) I strongly believe that RPM should delete this account from my credit reports. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, RPM has the statutory obligation to provide me with : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM has failed to provide any of the above information. 

As such, I respectfully request the Consumer Financial Protection Bureau to intervene and request RPM to either provide the legal documentation I requested when I sought validation of this debt or remove this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To at the present time, over 30 days later, I actually have not received a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to investigate those items inside 30 days offers a purpose to without delay do away with those objects from my credit score record. Its been over 30 days so that they ought to be deleted directly. I demand that these debts be deleted at once or I will file for litigation due to the strain you have got triggered me. My facts became additionally impacted via the Equifax data breach and might have gotten into the fingers of the wrong man or woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked Experian, on XXXX  to conduct an independent investigation for inaccuracy in reference to XXXX XXXX XXXX XXXX XXXX XXXX The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. Experian informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion. 

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were XXXX XXXX, XXXX XXXX accounts on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Experian not block the going with things recorded underneath which are noting mistakenly a result of extortion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a complaint with Experian to remove a fraudulent account from my credit report. Both XXXX and XXXX  have recognized the account in question to be fraudulent and have removed it. The account is XXXX XXXX XXXX. I currently have an open complaint with the CFPB that XXXX has not responded to. I can not understand why Experian is the only reporting agency refusing to delete the account. Everyone else agreed this account is fraudulent. My credit is being held XXXX. I can not obtain housing with this fraudulent lein on my credit. If I owed this money it would have been paid long ago. They officially refused to delete it today XX/XX/2018. There is no reason for Experian not to recognize this as fraud. XXXX has provided no proof of they're claims. They are not responding to CFPB inquiries. They have not provided photographic evidence or any proof for that matter. This needs to be deleted immediately. I can not get housing. I am XXXX. I am on XXXX. I am a veteran. XXXX XXXX XXXX and Experian needs to do the right thing. You guys are going to cause me homelessness. By way of XXXX  and extortion. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Product: Credit reporting

Experian claimed they had removed all of these fraudulent inquiries but again despite sending the an inordinate amount of law enforcement affidavits they have done nothing. I still have them stuck on my report, I continue to provide them the accurate information. I pay a sacrifice to this country by entering the military to support what? A group of individuals that think they can break XXXX XXXX XXXX? This is not what i fought for, to defend the rights of corporations like this to take advantage of ex-military. XXXX, some of these inquiries are anti-logic. For example the XXXX account, which was included in the report should have been blocked as officer XXXX and XXXX said. As it was entered into the DOJs Sentinel. XXXX, XXXX did not pull my report XXXX Times in a row. They have been adamant they have never done that and asked Experian to mask them. 

Experian Has yet to respond to anything I send, nor even to the CFPB.
Product: Credit reporting or other personal consumer reports

Hello I have made several attempts to contact the credit bureau and dispute these accounts, Ive requested verifications of debt and have not been successful in resolving these issues.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to bring to your attention the inaccurate and incomplete credit information that you have reported on my credit profile. I find it extremely disappointing that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, as required by credit reporting laws. The information listed below needs to be investigated immediately, and I demand to be provided with proof of the alleged items, specifically the contract, note, or other instrument bearing my signature. If you fail to provide this proof, then the items must be removed from my credit report as soon as possible : 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. I find it extremely concerning that XXXX has already removed these accounts from their records, indicating that there was indeed an error present, yet you have failed to follow suit. I demand that you delete these items from my file as they are inaccurate, erroneous, incomplete, or unverifiable. It is unacceptable that you are not complying with the law, especially when the other credit bureaus have already done so. US BKPT XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Filed XX/XX/2022.
Product: Credit card

Someone tried to open a secure credit card loan in my name on XX/XX/year>. Through capital one I havent applied for credit card in 2 years. Capital one marked it as fraudulent and told me I needed to make a claim. I also received a letter from XXXX  that my loan application has been denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the XXXX reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
Equifax especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report. 

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions.

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.
Product: Debt collection

I am a victim of identity theft and filed the information with FTC. Even after the FTC File Affidavit was sent to the company with validation and proof of identity theft, the company responded that the debt was mine. My SSN and personal bank information was compromised and the company has yet remove the accounts from my Credit Reports even after filing as a victim of identity theft with FTC
Product: Credit reporting or other personal consumer reports

Data breaches pose significant risks to personal security, as highlighted by events in XXXX, which led to serious repercussions such as identity theft, as experienced in XXXX. It is imperative to remain vigilant and take proactive measures to safeguard ones personal information in order to prevent such detrimental outcomes. Recently, it came to my attention that someone filed taxes in my name, and I am currently working diligently with the IRS to resolve this issue. Additionally, I have noticed that some credit card information is outdated and requires updating or removal.
Product: Checking or savings account

I check my pnc XXXX XXXX checking account on XX/XX/2018, then I found out there are 2 of XXXX dollar unauthorized ach transfer from my account to a unheard of ( XXXX  XXXX company which I found out from the pnc representative ). And I call the XXXX XXXX company it was XXXX XXXX phone number and no one answers, obviously it is a fraud. Now, pnc doesn't want to take responsible for it, and tell me to wait 10 business dates for the dispute. When I call again on XX/XX/2018, pnc trys to tell me any corporation ach transfer has to report with 24 hrs in order to dispute. This is so XXXX, my hard earning money of XXXX just disappeared.
Product: Credit reporting

Equifax makes it very difficult to lift a security freeze. Here is what I had to do. 
1. Called the number on my confirmation letter. The person told me it would take five days if he did it, but I could call another number for an automated system or do it online. 
2. I called the other number. After asking for my SSN and address number, it told me it could n't process my request. I would guess this is because they have an old address even though I 've been at my current address for more than four years. 
3. I tried online. The page they told me to go to did n't come up ( probably because I was n't using https ), but I was able to navigate from the home page. After filling out the first page, it sent me to a second page that said I would have to provide my PIN in writing. The first page did not have a way to enter my PIN. 
4. I tried the automated phone line again using my previous address. It did not work. 
5. I tried online again. Same result. 
6. I called the original number and went through the process. At the end, he said it would take 15 minutes to 5 days. I said 5 days is unacceptable. He then said it would be 15 minutes to 30 minutes.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on them, and the company initiated them without my permission.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

these are the accounts previously disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received a letter from Bank of America dated XX/XX/2017 stating I had an overdraft balance of {$10.00} on an account I had closed at least 10 years ago.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Product: Debt collection

I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX XXXX  on XX/XX/year> ( {$1500.00}. ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.