23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After disputing this issue has identity theft it continues to be on my account. This is a loan someone got online using my identity
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries resulted from a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature. 

This letter is submitted personally, not through a third party, and I request your careful review. I never authorized these actions, and their presence on my credit report violates my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting is a direct result of a data breach or unauthorized disclosure by creditors or third-party data furnishers. 

I request immediate investigation and correction of these inaccuracies. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the journey to repair my credit in XXXX of XXXX. As a single parent my funds were limited and going through Lexington Law to have my credit repaired made total sense. I pulled my Credit Report Initially and along with a rep from the company. We had a consultation over the phone of what needed to be removed and the cost. I was told that initially it would cost XXXX a month. That would cover the fees and a removal, and that i should have a card on autopay to be charged because items would be removed. Not only was i charged XXXX monthly, i was charged that amount about 2 times a month and also an amount of XXXX a month as a subscription amount that i had no idea about. To add insult to injury nothing at all was removed from my credit whatsoever. I have been paying this company since XX/XX/XXXX and have not received not 1 result. I have reached out to the company and have been told that the subscription cant stop. They are continuing to charge my card XXXX XXXX times a month and the XXXX ( sometimes twice a month ). 
I do have supporting Documents.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Immediate Deletion of Unauthorized Inquiries Dear Equifax Dispute Department, I am writing to formally dispute multiple unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I identified the following inquiries that were made without my consent or authorization. After contacting the companies in question, they have been unable to provide verifiable proof that I initiated these inquiries or gave explicit written consent for them. 

Unauthorized Inquiries in Question : 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 These inquiries have negatively impacted my credit score and are unjustly listed in my report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a consumer report may only be accessed under permissible purposes, which include transactions initiated by the consumer. Since no such transaction was authorized by me, these inquiries are unlawful and must be removed immediately.

Furthermore, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are legally required to verify the legitimacy of each and every inquiry appearing on my credit report by providing tangible, verifiable proof of authorization, such as a signed contract or agreement.

If Equifax can not provide such documentation, you are legally obligated under Section 1681i Paragraph ( 5 ) to delete the unverifiable information promptly.

Request for Immediate Action : 1. Immediately delete the unauthorized inquiries from my credit report.

2. Provide verifiable proof of authorization for each of the above inquiries if you choose not to remove them.

3. Provide written confirmation of the removal of these inquiries or the supporting documentation verifying their legitimacy within the time frame required by law.

Failure to comply with my request will result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of the Fair Credit Reporting Act. 
I expect a prompt resolution to this matter and look forward to your written response confirming the deletion of these inquiries. Thank you for your immediate attention to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Trans Union, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( Experian, XXXX, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXXO - payment never late I have not received a response from any other the credit agencies.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Marcus CD early withdrawal 6 months penalty is too high, a business fraud. 

On XXXX XXXX, XXXX, I opened a CD account ending 8604 with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, XXXX. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. I couldn't review any statements after account was closed. Instead of earning interest for the 5 months ( XXXX XXXX ), ended up I had to pay over {$2000.00}. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government?

I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. 

I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$940.00}
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Specific Transaction History from Credit Report I am writing to demand the immediate removal of all transaction history, payment history, and related balance information for my XXXXXXXX XXXX account tradeline, as currently reported by EQUIFAX and XXXX. This request is grounded on multiple violations of my privacy rights as protected under various federal laws and regulations. 
Firstly, the reporting of my personal financial information contravenes the Privacy Act of 1974, which safeguards personal data against unauthorized disclosures. Secondly, 12 CFR 1022 ( Regulation V ) mandates the protection, proper disposal, and accuracy of consumer information, which your records have failed to uphold in my case.

Additionally, the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 and 1681 ( b ), requires consumer reporting agencies to ensure that all data reported is accurate, verified, and disclosed solely for permissible purposes with the explicit written consent of the consumer, which I have not granted. 
The XXXX XXXX ( XXXX ), particularly sections 6801 through 6805, further underscores the obligation of financial institutions to protect the privacy and security of consumer non-public personal information. It explicitly states that any identifiable financial information, which originates from a transaction, or any service provided, should not be disclosed without explicit written consent which I have not given.

Furthermore, 16 CFR 313 and 313.7 outline the regulations for the privacy of consumer financial information and affirm a consumers right to opt out of information sharing. These sections provide me the authority to request the cessation of information reporting as has been improperly handled in my case. 
Given these substantial legal breaches, I insist on the prompt removal of the aforementioned information from my credit report. I expect a written confirmation and an updated credit report showing this removal within 30 days of receipt of this letter. Please be advised that failure to comply with these requests may compel me to take further legal action to protect my rights and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX admitted fault at reporting my history incorrectly. I have never been late and always been on time with my payments. They promised to remove late payments due to the fact that they failed to send me monthly statements. Representatives assured me that by the next billing cycle on XX/XX/2022 they will report everything current with no late payments. We are now in XXXX and they have not fixed their error.
Product: Checking or savings account

Hello, I am having an issue again with Chime Bank with Banking Services through The XXXX. My account was frozen on XX/XX/XXXX. I received an email on ways to unfreeze my account. I followed the steps by submitting my drivers license, an electric bill and my W2 statements showing the amount that they are asking about. I have contacted the bank 5 times trying to see if they have reversed it but they are still saying that i have not provided enough information. I need my account unfrozen so that i can transfer my money out of this account and to close it. I have had nothing but issues since XX/XX/XXXX with Chime and I believe that not having a physical branch to walk into or calling to confirm identify is preventing from me having a good bank experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.
Product: Debt collection

This is the 3rd time this company used identity theft along with the same address that I stated last year that took my identity. This is not my address nor my account. I do not know why this isnt flagged and still asking for this amount to be paid when this is a fraudulent account and identity theft.
Product: Debt or credit management

I was a victim of XXXX  XXXX  and I tried submitting paperwork to clear my debt with Equifax and it was denied for not having more supportive documentation. My counsel Im working with whos supporting me is ( XXXXXXXX  )
Product: Mortgage

got heloc loan on XXXX / XXXX / XXXX  ', from UNITED WHOLESALE MORTGAGE, payments interest only for 1st year, {$430.00} monthly .applied for auto w/d on XXXX XXXX / XXXX  ', got ok on XXXX XXXX / XXXX  '. 1st payment due on XX/XX/XXXX  '. then on XX/XX/XXXX  ' got notice that UWM sold loan to XXXX XXXX XXXX ON XXXX XXXX, XXXX  '. i called XXXX to set up for auto payment as i did with UWM, was told they have not got loan from UWM yet but when they do, i would get WELCOME PACKAGE from XXXX with new loan # & i could then put in for auto w/d. well on XXXX / XXXX / XXXX  ' get letter from XXXX that they got loan from UWM & loan is in DEFAULT!! they said XXXX & XXXX payments were not made. i called & tried to explain that i had auto w/d with UWM  & have email evidence that it was ok 'd & even email saying they were withdrawing for XXXX!!!! they did'nt care to listen to me & charged me {$2700.00} + {$430.00} to get loan up to date!! my payments were {$430.00} a month so if late should at most been {$870.00} + late fees but {$2700.00}?? i asked for breakdown for these fees, nothing!! i asked UWM why payments not made as had auto w/d, nothing!! this is damaging to my credit which i have as my priority!!!! well UWM sent response to my last complaint with you on them with copies of notices they said they sent but AGAIN, I NEVER RECIEVED ANY NOTICES INN MAIL OR EMAILS!!!!! i asked why didn't you call, NOTHING!!!!! so that's my complaint is UWM failed to w/d funds, sent loan over as in DEFAULT!!!!
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. 
Account name XXXXXXXX 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 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: Checking or savings account

I deposited my check from work on XX/XX/XXXX and it became available on XX/XX/XXXX. On XX/XX/XXXX, my account was already closed and my funds were unavailable to me. I called many days and the only answer that was given to me was that they werent able to disclose any information to why my account was closed. They said that they have the right to hold any information and I have to wait over XXXX  days to get my funds back. This aint right because I work very hard to provide for my kids and I was counting on this money to pay my rent for XXXX and Im late XXXX days.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a vehicle and noticed a few accounts that i dont recognize
Product: Mortgage

I have XXXX as my mortgage servicing company. I was on the forbearance program due to unemployment/COVID 19. When my forbearance ended I was sent a loan modification packet, which I accepted, signed and notarized. Delivered to them on XX/XX/XXXX with XXXX tracking. They had apparently sent out another modification package to my address due to what they are claiming, unclear dates on the original docs.I never received the other modification package and was never notified by phone or by regular mail that there was an issue until today, XX/XX/XXXX when I was calling in to make my payment and wondering what was going on with the modification. I have been paying my mortgage as agreed with the new modification terms and conditions but XXXX has decided that they do not want to honor the original modification package anymore and want me to start the process all over again under new terms and conditions. I am looking to get any help I can but don't know where to turn.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting

Equifax has not verified XXXX, XXXX XXXX, or XXXX XXXX XXXX, because if they did then they are breaking the FCRA by not making sure my information is correct. First, I HAVE NEVER LIVED OR DONE BUSINESS IN XXXX VIRGINIA!!!! Second, XXXX is not mine but this was XXXX in a settlement be the company XXXX hired. Lastly XXXX XXXX is not mine. All XXXX of these companies have said there is an ongoing investigation with no results as of XXXX XXXX. Look, in all honesty I want this to stay out of the courts but if Equifax continues 30 days after they receive my certified letter then my lawyer is prepared to file the paperwork to sue Equifax for damages and the full losses of my company. I have been trying to give Equifax an honest chance to do a proper investigation but we are down to the wire and I will not wait a day longer then I have too. I guess you can take this is a notification of intent to sue. All I want is a fair investigation like I got with XXXX.