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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to have inaccurate information removed from my credit file. XXXX XXXX XXXX has repeatedly ignored my dispute of information being furnished to Equifax, XXXX, and XXXX. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXX of XXXX, but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX  XXXX refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows Bank of America has not been paid
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX applied for personal loan. was denied for XXXX score XXXX was told I needed a XXXX ran my credit. 3 times asked why no explanation. I have a XXXXXXXX XXXX. told wait until next month to reapply XXXX XXXX  denied. claim same score XXXX XXXX still XXXX. Told me was from XXXX gave me information to contact XXXX received credit report XXXX. 

XXXX late payments believe discrimination lying about XXXX score. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  act USC 1681 section 602 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. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission
Product: Debt collection

Received letters from XXXX attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX GE Money Bank ( Statute Account ) Letter received is dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

just recently looked at my credit report XXXX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidenXXXX XXXX  XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, XXXX, and XXXX ) : Kohls XXXX XXXX XXXX XXXXXXXX **Discrepancy** : The status, Status update, Balance Updated, and address of Kohls are all different across all 3 credit bureaus This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected. 
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX [ Your Signature ( if sending a physical letter ) ] ---
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681-s ( A ) Reporting information with actual knowledge of errors 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.

I have repeatedly sent letters and everything keeps being updated but not removed.

According to 15 U.S. Code 1681i A consumer can dispute inaccurate information on their credit report and request its deletion, which falls under the Fair Credit Reporting Act, requiring credit reporting agencies to investigate and remove disputed information if found to be inaccurate or unverifiable
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian all have incorrect SSNs, Names, addresses, phone numbers, accounts, public records, etc on my credit reports. This has affected my XXXX XXXX XXXX and jobs with the XXXX XXXX.
Product: Debt collection

A letter was sent on XX/XX/year>, to my parent 's address in Florida from a debt collection company named XXXX XXXX XXXX, XXXX. I've lived in Virginia for over 3 years, so I immediately got concerned. I called the company on XX/XX/year>, at XXXX XXXX. to ask for information and sent through mail, email, and a recorder line asking for a dispute and validation of such a claim, which is within my right as for the 15. U.S. Code 1692g, I ask for the following : The creditors name and address who is currently requesting payment The original creditors name and address ( if different from above ) The amount owed Documentation that proves there is a legitimate reason you think I owe the debt i.e. a copy of the original contract.

The most recent billing statement the original creditor sent to me An itemized list of any additional interest or fees An itemized list of any payment since the most recent billing statement They told me that a letter would be sent to my Virginia address within 30 days of the dispute ( XX/XX/year> ). It has been 33 days and I haven't received any information, I then proceeded to send a certified mailed letter with the following on the subject and asked for a deletion letter as well and let know that I would be sending a complaint to the CFPB.
Product: Debt collection

I got a letter from XXXX saying that I owed them XXXX and XXXX I immediately requested validation for this as I did not know where this was coming from. 
They sent a document disclosing all of my personal medical information I never sign a form or gave them authorization to obtain any of my personal medical records Requesting immediate removal of this debt for violation of my hipaa rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the erroneous accounts with the credit bureaus, Equifax, XXXX, and XXXX but the credit bureaus have refused to respod. I have sent numerous attempts sent certified mail and the credit bureaus lack of response is a violation of the Fair Credit Reporting Act. I have attached the most recent letters as well as provided the certified mail receipt numbers to prove the credit bureaus have received the dispute letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing.

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Product: Credit card or prepaid card

I filed a dispute with XXXX in XX/XX/2022, saying the this account needs to be removed from my credit report due to the age of the account. The account was closed in XXXX. The account balance is XXXX. It was closed by the credit grantor. The company responded to dispute, they kept the account on the report, and refused to remove it. I would like this account taken off of my report. I believe it is in violation of the Fair Credit Reporting Act by keeping it on my report for over 10 years.
Product: Checking or savings account

Checkbook was missing from associated bank someone wrote bad checks using my name
Product: Credit reporting or other personal consumer reports

My information was apart of the XXXX data breach, I checked my credit report and I am a victim of identity theft. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX I did not authorizethese accounts and have no knowledge of these accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to Trans Union and XXXX that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.
Product: Debt collection

Ic system XXXX XXXX XXXX are trying to collect a debt they are a 3rd party and the company sold them my information where I did not give them consent
Product: Debt or credit management

I enlisted the services of Alma Financial to act as a third party in the settlement of my credit card debt. Monthly, I paid them {$370.00}. Initially, the payment was made via debit, but it later changed to XXXX. At first, Alma Financial was paying off the debt to the credit cards until XX/XX/year>. I contacted Alma Financial 's number, as I always did, but they didn't respond. I wrote several emails asking them to reply, but I received no response. 
The following payments were not accredited to my debt : ( I have attached the receipts ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) I went personally to their offices in XXXX XXXX, but those offices no longer exist. I called their U.S. headquarters, but I didn't receive an answer ; the calls didn't go through. The total amount of money that has been defrauded is {$1800.00}. 

Recently, I contacted the XXXX offices, but I didn't receive any solutions.
Product: Credit reporting or other personal consumer reports

During my car loan application process, my credit report was accessed XXXX times in a very short period, all within XX/XX/year>, and XX/XX/year>. I understand that when applying for a car loan, my credit may be checked, but I believe the number of inquiries made in such a short span of time is excessive and has negatively impacted my credit score. 

The details of the inquiries are as follows : 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 XXXXXX/XX/year> CAPITAL ONE AUTO FIN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I understand that multiple lenders might check my credit during an auto loan application process, I was not fully informed about how many times my credit would be accessed. As a result, these multiple inquiries have negatively impacted my credit score. Since they all stemmed from the same car loan application process, I believe they should be considered as one inquiry and the additional entries should be removed from my credit report. 

I respectfully request that these inquiries be investigated and deleted from my credit report to reflect the fact that they were related to a single loan application. I also ask for confirmation that the corrections have been made.
Product: Credit card

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the account listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and was alarmed to find accounts I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened.
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. 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 ; has violated my rights. 15U.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. 15U.S.C. 1681 c. ( 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 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 sent a letter addressed to the EXPERIAN Credit Bureau requesting to conduct an investigation and correct the information being reported. The Experian credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$7300.00}
Product: Payday loan, title loan, personal loan, or advance loan

I am very leary as to the legitimacy of this company. They also do business as, " Zoca Loans '' stating that Rosebud Lending 's office is located at XXXX XXXX XXXX XXXX, XXXX  SD .... 
According to XXXX maps that location is a field with what looks like tall, dry, yellow grass. 
I learned this shortly after taking a loan out through their entity called Zoca Loans. Shortly after getting my loan, my State to do business. I received a letter via email from Zoca/ Rosebud when my loan payment was late due to my bank account closure. The letter was a demand for payment. I sent a response requesting a copy of their business license, which to this day they have not provided.
Product: Checking or savings account

I already have a open complaint but they have seen their errors to a point and want me to pay {$680.00} to cover their mistakes. My account prior to all of these disputes was in the positive and until someone other than the dispute dept can figure the correct balance which if they go back to the date prior to all temp credits, reversals, etc they will see I had a positive balance not NEGATIVE {$680.00}. THEY CANT even figure it out with over 500 temp credits, to reversals, to duplicates and I gave not used my account since mid XXXX.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they  responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Vehicle loan or lease

XXXX I bought a XXXX XXXX from XXXX XXXX XXXX and was financed threw credit acceptance. I put down XXXX $ on a vehicle that was XXXX. From my understanding. The car was repossessed XX/XX/XXXX and I got the car back, this is when I pull out the contract and realized that the loan was misleading and deceptive. My car was damaged by the tow company also. When I got the car back I called credit acceptance to get a payoff amount.. it was over XXXX $!! I have already paid over XXXX $ to credit acceptance how can the payoff be over XXXX $? I did a car history report on the vehicle and it revealed that the vehicle has a branded title and it exceeds the mechanical limits. It states also odometer problems and could be unsafe to drive. This was never told to me by dealership or finance company.. the vehicle mileage was misrepresented to make it appear it had lower mileage to increase the cost or value of the vehicle.! I've reached out to the company and I get nowhere.