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

Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXXXXXX XXXX XXXX XXXXXXXX, which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed.

Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 
2. Provide verifiable documentation from the information provider that supports the reinsertion of the account.

As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA.

Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete. 
Correct and update any inaccurate or incomplete information they provide to credit reporting agencies. 

Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion.

I am formally requesting the following : 1. The immediate and permanent removal of the XXXX XXXX XXXX XXXX account from my credit report. 
2. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable.

3. Assurance that steps will be taken to prevent any further improper reinsertions.

I expect a prompt response and resolution to this matter within 30 calendar days, as required by law. Please confirm receipt of this letter in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize anyone to pull my credit and it was well over 45 inquiries in total
Product: Credit reporting or other personal consumer reports

I have been disputing this collections account with Experian for months now, and I am so beyond frustrated, I have shown them proof that the balance that is being reported is inaccurate and also they have an inaccurate address, the first document I will upload shows the balance that is being reported on Experian, the second document is the incorrect address, the third document is the correct address and the fourth document is a statement from XXXX XXXX XXXX with a totally different balance on it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : Public Information XXXX  XXXX Bankruptcy Reference # : XXXX Court XXXX Federal Date Filed/Reported : XX/XX/XXXX Liability : {$0.00} XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from my credit report. 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. Im dong this on my own behalf.
Product: Debt collection

southwest credit systems XXXX XXXX is reporting a collection on my XXXX credit report on behalf of XXXX XXXX for an account which I have no knowledge of. I have never given anyone permission to establish cable/cell service in my name with charter communications. Nor did I ever establish the service myself. 

Although the balanced owed is small {$220.00} and can be easily paid, I refuse to pay it because it is a debt that is fraudulent and not validated. I am requesting full verification and validation of the debt. if there is no signed paperwork or contract with my name and authorized signature, I want southwest credit system to delete the fraudulent debt from my XXXX credit report immediately. 

Note : XXXX has already deleted it after my dispute filing on XX/XX/2024 but XXXX refuse to remove it.
Product: Credit card

After a review of my BestBuy Visa Citibank credit card XXXX statement I noticed XXXX large charges of products bought on XXXX XX/XX/XXXX {$550.00}, XXXX & XXXX XXXX {$880.00} XXXX XXXX using my Bestbuy Visa card. I have called their consumer department over the issue many times starting in XXXX. Each time the customer rep acts like I never called before. Then I received a letter in mid XXXX saying my charges were valid and they were purchased on my card and sent to XXXX XXXX of XXXX  XXXX, XXXX. I then wrote a 3 page letter explaining I did not and I do not know who XXXX is. I was provided her complete address if u would want it. My letter is dated XX/XX/XXXX. No response ever. I did send it via XXXX with receipt verification too. It was received XX/XX/XXXX. With no response by XX/XX/XXXX I contacted XXXX XXXX Consumer Help line. They showed me XXXX where I looked up Best Buy XXXX VPs I then emailed both those ladies on the same day. I heard back within 48 hours from XXXX who supports one of the Executives with Consumer credit issues. Spoke to him and emailed him copies of my letters and my notes. He stays in contact with me and says it has been elevated to Citibank for resolution. Nothing yet as of XX/XX/XXXX. I surely need assistance to get this resolved soon. My credit rating dropped XXXX points this month due to % of credit used. What more should I do? I never purchased these items. When I do buy products on XXXX I use my XXXX XXXX  XXXX  never Best Buy. I have no idea who XXXX is I looked her up and she works for a XXXX  XXXX  in XXXX. I live in XXXX XXXX. My last phone encounter with Best Buy was with XXXX on XX/XX/XXXX consumer protection # as I received an email from XXXX stating there was a letter. I could not open with any of my prior credentials. She said my card was canceled. Thats is why and my account summary reflected those XXXX XXXX purchases were ordered by me but sent to the wrong address. I explained again and she said Id get a new card in the mail. I explained I have not used my card since the fraud charges. Once again she said someone will contact u. Then as of XX/XX/XXXX nothing. Please help me.
Product: Checking or savings account

I try to manage my accounts with PenFed Online. However, the system is always not working and I am unable to do transfers and sometimes log into online banking. I also can not complete check withdrawals with online banking and I need to call or chat with an agent. Lastly I can't even order an ATM card from a customer service rep without having to print out my own form and send it over.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9000.00} from XXXXXXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts on my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Repeated Charge-Off Reporting Dear TransUnion Dispute Department XXXX XXXX writing to demand the immediate deletion of inaccurate and potentially illegal charge-off notations on my credit report. It has come to my attention that XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX is reporting a charge-off for each month, which is both inaccurate and constitutes a direct violation of federal credit reporting laws. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, credit reporting agencies are required to maintain accuracy, fairness, and complete data when providing information about consumers. Reporting a charge-off each month is a deceptive and unjust practice, as it misleadingly multiplies the severity of a single charge-off event. Such repeated reporting inflates the impact on my credit score, which is neither accurate nor lawful according to federal standards. 

Additionally, I want to remind TransUnion of its obligation under XXXX5 U.SXXXX Code XXXX ( a ) ( XXXX ) ( A ) to promptly investigate and correct or delete any information found to be inaccurate or unverifiable. Based on this section, you are legally required to remove this incorrect information or provide concrete evidence proving its validity within XXXX  days of receiving this dispute. 

Failure to remove these inaccurate charge-offs will leave me no choice but to pursue further action with the Consumer Financial Protection Bureau XXXX CFPB ) and potentially file a formal complaint with the Federal Trade Commission XXXX FTC ). I may also seek legal recourse for damages caused by your negligence under FCRA statutes. 

Please send me written confirmation that this inaccurate reporting has been deleted from my file, or provide documentation verifying its validity. I trust that you will handle this matter promptly and avoid any unnecessary escalation. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX -- - Enclosed is a copy of the report to show repeated charge offs being reported
Product: Credit reporting or other personal consumer reports

Hello, Experian has XXXX my name in XXXX different way on my credit report number XXXX, with different abbreviations, initials, spellings and missing suffix. I spoke with supervisor today from XXXX ( the name he gave ) today XX/XX/2024 from XXXX - XXXX whom stated those name errors would be removed, after dealing with a rude rep named XXXX ( stated name ) put me on hold while I was talking and left me there for about XXXX minutes before just transferring me rudely. I received a notification stating the names have been updated and not removed. My only Name is XXXX XXXX XXXX XXXX and Experian has my name listed in XXXX different ways in which is inaccurate and can be confused with my XXXX  since I am a XXXX. 

I called back to get explanation on the results and spoke with XXXX ( stated name ) who advised me that Experian does not remove inaccurate names if that is what a creditor reported in which does not seem like the rules and regs of the FCRA. My credit report should not have XXXX listed names for I was only born XXXX XXXX XXXX XXXX none of my accounts are reporting my name otherwise.
Product: Credit reporting or other personal consumer reports

I discovered this morning that there are unauthorized inquiries on my credit report, and I can't understand why. When I checked my report as I usually do, I found unexpected discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. I'm asking for a thorough review of the documents I've submitted so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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 or other personal consumer reports

I've been a victim of identity theft, my information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Debt collection

Rent Recovery Solutions is a debt collection Agency who came up on my credit report as of XX/XX/22. I spoke to a rep Name XXXX I was transfer over to her who advised she is my case manager and I told XXXX that this is fraud and I didn't owe and Debt for any rental as I have never directly rented in the state of XXXX. I also told her that I was on XXXX  XXXX was transfer from XXXX  XXXX  to XXXX  and XXXX XXXX XXXX assist me with all housing needs, So it was no way it could be me I never was with any rental company. I advise XXXX I became a Home owner and never rented ever. I asked who gave them my information in attempt to collect a fake debt I also advised the rep I made a complaint with XXXX. I also asked XXXX the original company who she advised who she said gave them my information which I found out was XXXX XXXX and XXXX XXXX is a fake company I know nothing about because I investigated base off my credit report and the company doesn't come up in any search at all no contact information and I feel Rent recovery Solutions is part of a scam trying to collect a fake debt off my old address and and information since it said XXXX XXXX XXXX XXXX XXXX  XXXX. I asked to please remove that off my credit since its fraud and I have a fraud alert on my account I have NEVER RENTED FROM The original company THEY don't exists XXXX from Rent Recovery Solutions advised when I dispute It I maybe able to bet the dispute Since they don't exist. I said so how come my information is in yall system this is fraud and I'm reporting this. I sold my house and I can't become a renter for the first time in XXXX  because Rent Recovery is attempting to collect a fake fraud debt and its wrong and she hung up.
Product: Credit reporting or other personal consumer reports

I'm currently seeking a mortgage for housing. I was informed by the Mortgage Lender I have a repository on my Equifax credit report that states I have inconsistent information. The Mortgage Lender is unable to obtain the Equifax consumer report due to this fraud, block or whatever it is. I need this taken off Equifax consumer report immediately. Equifax is hindering my ability to obtain housing for My Family and I. I never asked for such a measure to be placed on my Equifax consumer report. I contacted Equifax and spoke with an agent and he stated I needed to mail a cover letter, copy of my license, my current & previous address, copy of SS card, DOB, and a letter from XXXX. I will attach the documents I sent to Equifax in this complaint. I have given them everything they requested
Product: Credit card or prepaid card

On XX/XX/XXXX, I collided with a taxi in XXXX while driving a XXXX rental car with American Express Premium Rental Car Insurance Protection. When I turned the car in, XXXX charged me an additional XXXX in XXXX pounds for damage estimate on my American Express Blue card. I filed an Amex insurance  claim over the phone one hour after the fender-bender. I completed all of the paperwork required. Amex then said they would handle the claim and contact XXXX. XXXX has never responded to Amex 's request for paperwork. I called Amex periodically over the months and was told there was nothing that could be done until XXXX XXXX attorney in XXXX  responded. I was told that it often took longer than 60 days to resolve a claim.

In mid-XX/XX/XXXX this year, I called and asked for a supervisor. XXXX told me I should not have paid the estimated damages because XXXX has no incentive to respond. XXXX said I had filed everything correctly and they had all the paperwork. She asked if I had disputed the amount. I said no, because I believe the insurance would cover the charges. XXXX said it was too late to dispute, but she would have the Amex claims adjuster contact me in two business days with a resolution. She said Amex could credit my account despite the 60-day window for disputes having closed.

I never heard from Amex. I called Amex insurance again this morning XX/XX/XXXX and was told I should have filed a dispute and that it was still possible to do so. I was transferred to Disputes, who said it was impossible as 60 days had passed and that the insurance division was separate from the dispute division and they were wrong. He tried to transfer me back to the insurance division but the call was dropped.

How do I get reimbursement for what I paid for the damage estimate and fees? Amex Insurance told me it takes more than 60 days to resolve ; Amex Disputes says the window closed at 60 days. The contract states the insurance is provided by AMEX Assurance Company, XXXX, A under Policy XXXX.

In short, American Express is giving me the round-around and I would like to have this resolved, please.
Product: Debt collection

I started getting harassing calls about a debt in a name that is similarly spelled my name but is not my name. I was sent the bill. I disputed the charges and continue to get phone calls.
Product: Credit reporting or other personal consumer reports

Multiple phones calls to the credit bureaus asking for help to delete false and unauthorized inquiries. Insisting that I did not give my written or verbal consent for such actions. The inquiries are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( APPEARS TWICE ON CREDIT REPORT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note ; My son and I both share the same first, middle, and last name. He is a XXXX. and I a XXXX. The above inquiries should not be on my credit report. This is a violation of *15 U.S. CODE 1602
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} -Late/Closed- Regular XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} - Late/Open
Product: Credit reporting or other personal consumer reports

15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of intent to sue credit reporting agency.