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

I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : 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 My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

I would like to remove the follow inquiry from my credit report. 



XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ON THE DATE OF XX/XX/year> I did not authorize this company to run a credit report in accordance with fair Dept collection practices act 15 U.S. CODE 1692G XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

They are showing my late mortgage payments on my credit report.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my free annual consumer report from XXXX XXXX, Early Warning Services and XXXX. I would like XXXX XXXX, Early Warning Services and XXXX to mail me a complete copy of my XXXX XXXX, Early Warning Services and XXXX XXXX report.
Product: Debt collection

I have sent this company letters after letters, which has been handed over to multiple companies asking for the Purchase Agreement since this account was charged off. Numberous times I have asked them to delete this account off all credit reports until this is rectified. As of yet, the last letter send was XXXX XXXX XXXX which is past the 30 days requesting, I received nothing. Original owner was XXXX XXXX XXXX amount {$2600.00}. sold to : XXXX XXXX, XXXX and XXXX, XXXX ; SOLD TO ; XXXX XXXX XXXX XXXX ; Sold to : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; sold to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and now sold to Abrahamsen Gindin LLC ; ( who are all these people with my personal information ). My personal information has been sold all over WITHOUT MY CONSENT or SIGNATURE for which I have been asking. I do not owe these people anything since the account was charged off and my information has been handed to many different people I do not know.
Product: Credit reporting or other personal consumer reports

**Subject : Urgent Complaint Against XXXX XXXX XXXX XXXXXXXX and XXXX for Deceptive Practices** Dear CFPB and FTC, I am writing to formally request immediate legal action against XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ) and XXXX for their unethical practices that have severely harmed consumers, including myself.

**Background : ** The recent findings by the CFPB reveal serious violations by XXXX XXXX the Fair Credit Reporting Act ( FCRA ). XXXX 's failure to conduct adequate investigations of credit report disputes has led to significant inaccuracies that affect countless consumers ' credit scores and reports. 

**Key Issues : ** 1. **Inadequate Dispute Investigations** : XXXX process for handling disputes is fundamentally flawed. Consumers are often unable to fully articulate their issues, and even when relevant information is provided, XXXX fails to consider it adequately. This negligence results in unjust harm to consumers ' credit profiles. 

XXXX. **Confusing Communications** : The letters sent to consumers often contain contradictory statements, leaving individuals confused about the status of their disputes and the accuracy of their credit reports. This lack of clarity is unacceptable and further exacerbates the distress experienced by consumers. 

XXXX. **Collusion with XXXX** : It is evident thaXXXX XXXX XXXX XXXX XXXX XXXX through its credit scoring methodologies, has worked in conjunction with XXXX to manipulate consumer credit scores. My own experiences reflect a troubling decrease in my XXXX score, which I attribute to the flawed reporting and investigative processes employed by XXXX, in partnership with XXXX. 

**Request for Action : ** Given these egregious violations and the detrimental impact on consumers ' financial lives, I urge the CFPB and FTC to take decisive legal action against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Their practices not only undermine consumer trust but also violate established laws designed to protect individuals from such deceptive actions. 

I appreciate your attention to this matter and look forward to seeing appropriate measures taken to hold these companies accountable for their actions. 

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

I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by XXXX, Experian, and XXXX. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed. 
Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on XXXX report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 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: Credit card

A Credit Card and line of credit has been opened in my name thorough Chase Bank, a XXXX XXXX card. Upon spending countless hours trying to close it and determine why it was opened, how, and when. I am not being able to cancel or even get a person that can speak to me.
Product: Credit card or prepaid card

I have a Walmart MasterCard. I use it for promotional " no interest '' purchases. My card member agreement and statement say " If your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available ''. I had a promotional balance of {$77.00} expiring on XX/XX/XXXX. I contacted customer service via chat ( see enclosed screenshot of chat # 1 ) onXX/XX/XXXX to inquire about having my XX/XX/XXXXpayment due XX/XX/XXXX credited to the promotional balance. I was told by XXXX XXXX " ... if you pay {$77.00} the entire amount will be credited to the promo expiring on XX/XX/XXXX ''. I made said payment and it was not allocated as promised. {$54.00} was allocated to the expiring promotion and the excess was allocated elsewhere. On XX/XX/XXXX I chatted with XXXX XXXX about the error ( see chat # 2 ). I was told that the account was being correct and the promotional balance expiring on XX/XX/XXXXwas now paid off in addition to the promotional balance expiringXX/XX/XXXX. My XX/XX/XXXX statement appears correct. After my XX/XX/XXXX statement printed my account was altered to add balances back to the promotional balance that were paid off. I chatted again on XX/XX/XXXX with XX/XX/XXXX( see attached chat # 3 ) At that time I was being charged interest on a promotion purchase that was made XX/XX/XXXXfor which I have a receipt showing that a promotional certificate was used. XXXX said that was correct and the billing was corrected to properly show the promotional balances expiring XX/XX/XXXXonXX/XX/XXXX were paid off. When my XX/XX/XXXX statement arrives everything seems correct. I get myXX/XX/XXXXstatement and it shows me being charged {$3.00} interest. I chat again with a supervisor who says that this is a mistake and he is correcting it. I also request that {$58.00} of the {$83.00} payment made in XX/XX/XXXX be allocated to the promotional balance expiring on XX/XX/XXXX. He say it is done. When myXX/XX/XXXX statement arrives I am still being charged interest, the payment was not allocated correctly and onXX/XX/XXXX someone created a promotional purchase onXX/XX/XXXX expiring onXX/XX/XXXX that never existed and placed it on my account with a balance due of {$99.00}. To be clear there was never a purchase made on XX/XX/XXXX. There was a purchase made on XX/XX/XXXXbut that promotional purchase was paid off in XX/XX/XXXX. I have been charged more interest as well. I am caught in a viscious cycle that XXXX XXXX  will not correct.
Product: Checking or savings account

Hello, I opened an account with First Citizens Bank through a promotional offer that was advertised to me. The promotional offer was : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 2 ) Enroll in eStatements. 3 ) Open a new savings account. 

I opened the account on XX/XX/2020. I enrolled in eStatements, and opened a new savings account at the same time. I completed the 10 debit card transactions on XX/XX/2020, which was within 90 days of account opening. 

Per the terms of the bonus, the bonus should be paid within 120 days of completing the requirements, which I completed on XX/XX/2020. It has now been 120 days and there is still no {$300.00} bonus to my account. 

Thank you for your help! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Second Request for Removal of Inaccurate/Unverifiable Information Under 15 U.S. Code 1681i ( 5 ) To Whom It May Concern, This letter serves as a formal follow-up to my initial dispute dated [ insert date of first dispute ], which requested the investigation and removal of inaccurate or unverifiable items on my credit report. Per 15 U.S. Code 1681i ( 5 ) ( A ), if any information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the correction. 

Despite my prior request, the following items remain on my report without validation or correction. I demand immediate action to resolve this matter within 15 days of receipt of this letter : Disputed Accounts : XXXX XXXX XXXX. 
Reason for Dispute : The account is listed as " Closed '' but reflects a balance of {$6000.00}, which is inconsistent and unverifiable. Additionally, the payment history contradicts the charge-off status. 
Requested Action : Provide proof of the original signed agreement, detailed payment history, and an itemized breakdown of the balance, or remove the account entirely. 
XXXX XXXX XXXX XXXX for Dispute : A collection account with a balance of {$910.00} is reported without identifying the original creditor or providing supporting documentation for this debt. 
Requested Action : Provide validation of the debt, including a copy of the original agreement bearing my wet signature, or remove this account. 
XXXX XXXX XXXX XXXX for Dispute : The {$760.00} balance is unverifiable. No original agreement or supporting documentation has been provided to validate this debt. 
Requested Action : Provide validation of the debt, including original documentation and proof of authorization to collect, or delete this item. 
XXXX XXXX XXXX XXXX for Dispute : This {$730.00} collection account remains unresolved despite being marked as disputed. No validation has been provided to support its accuracy. 
Requested Action : Provide proof of the original creditor agreement, validation of the debt, or delete this item. 
Legal Violations Noted : Violation of FCRA ( 15 U.S. Code 1681e ( b ) ) : Failure to ensure maximum possible accuracy in reporting.

Violation of FCRA ( 15 U.S. Code 1681i ( 5 ) ) : Failure to delete or modify unverifiable or incomplete information after a dispute has been raised. 
Violation of FDCPA ( if applicable ) : Failure to provide proper debt validation. 
Show proof with in 15 days or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation/s Pursuant to FCRA 15 USC 1681a ( 4 ) and 15 USC 1692a XXXX By reporting any payment history and transactional history without my permissible purpose Equifax is found to have violated 15 USC 1681a ( 2 ) ( a ) ( i ). As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Equifax. Equifax does not have my permission to report any of my PRIVATE business from my creditors on my consumer report. Below are a list of accounts and inquiries I have in fact NOT given written consent to Equifax to furnish. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reported with a lot of missing information. I would like them be removed from my report as soon as possible because it is really affecting my credit scores. I am wondering why you are allowing these kind of accounts being reporting in one 's file. This is unfair and very frustrating. Please help me out with them and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX  XXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, I demand an immediate investigation and removal of these inquiries.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies. 

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment Removal In accordance with the FCRA XXXX XXXX and XXXX XXXX XXXX has violated my consumer rights. 
15 U.S.C. 1681 Section 602 ( a ) states I reserve the right to privacy 15 U.S.C. 1681Section 604 ( a ) states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Resolution box Please remove this late payments from my consumer report.
Product: Credit reporting or other personal consumer reports

Inaccurate Information Related to Repossession and Potential Violation of 15 USC 1681b ( a ) ( 2 ) Account XXXX XXXX XXXX XXXX Account # XXXX I am writing to dispute inaccurate information on my credit report concerning a vehicle repossession and to raise concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ), regarding permissible purposes of consumer reports.

Inaccurate Information Regarding Repossession : ** My credit report incorrectly states the following regarding a vehicle repossession : Date of Open is incorrect, Amount Owed : Incorrectly listed as {$14000.00} The correct amount owed is {$0.00} Last Report Date is incorrect **Potential Violation of 15 USC 1681b ( a ) ( 2 ) : ** I am concerned that my credit report may have been accessed for impermissible purposes related to this repossession. 15 USC 1681b ( a ) ( 2 ) specifically allows for credit reports to be furnished in connection with a credit transaction involving the consumer. However, I believe there may have been an impermissible purpose for someone accessing my credit report. .I was denied credit by XXXX and they stated the reason was related to the repossession information, but I never applied for credit with this company. '' ] I request a full accounting of all parties who have accessed my credit report concerning this repossession within the past 4 years so I can verify that all access was for permissible purposes under 15 USC 1681b, specifically related to the original credit transaction.

I am requesting that you thoroughly investigate these matters, correct the inaccurate information related to the repossession, and provide me with the requested accounting of who has accessed my report.
Product: Credit card

I attempted to purchase a household rug from a small company named " XXXX XXXX '' in XXXX of 2023. 

I made the purchase, totaling {$2500.00}, over the phone. 

This company did not send the correct item. 

I sent the item back, and disputed the transaction with American Express after the merchant refused to refund the purchase. 

American Express has sided with the merchant, but the merchant furnished falsified documents. Basically, I was scammed by this company, " XXXX XXXX, '' and American Express has decided to believe their story, and resolve this dispute in their favor, despite my overwhelming evidence that I did not receive the correct merchandise. 

I have re-opened this dispute TWICE, and American Express has both times resolved it in favor of the merchant for reasons I can not believe. 

I was even told by American Express, to return what to received, and provide the tracking/delivery proof, WHICH I DID, and this will be resolved in your favor, and it was STILL resolved in favor of the merchant.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibilityXXXX XXXX XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX**Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request -XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$24000.00} ), ( XXXX XXXX XXXX XXXX DATE OPEN OPEN XXXX XXXX AMOUNT {$480.00} ), XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$200.00} ), XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$3100.00} ), ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$950.00} ), ( XXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPEN XXXX XXXX ), ( XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPEN XXXX XXXX INQUIRIES- ( XXXX XXXXXXXX DATE XXXX XXXX ), ( XXXX XXXX XXXX  DATE XXXX XXXX ), ( XXXX XXXX DATE XXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXXXXXX DATE XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  DATE XXXX XXXX ), ( XXXX XXXX DATE XXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX )