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

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX XXXXXXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX  XXXX, specifically debt XXXXwhich falls under XXXX  as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency Experian stated that this collection account was property investigated and came back as verified. However, how is this true when there is no proof of this account belonging to me? No evidence of a signed contract of the debt with the creditor and I have had trouble with other inaccuracies that were previously on my report that were removed due to them being invalid and fraudulent. As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Bank of America and spoke to XXXX in XXXX & XXXX cards and asked her to cancel XXXX XXXX credit card. She told me she did this. 
On XX/XX/XXXX, I saw there were charges on XXXX card, and I contacted Bank of America immediately. After speaking to many representatives, I received no resolution, and filed a complaint with the XXXX 
Then, when I received my statement, I learned that there were {$1500.00} in fraudulent charges. 
To date, this issue still has not been resolved. It is now 11 months, and there still isnt a resolution for an error a Bank of America employee made. 
I am requesting the {$1500.00} plus {$4300.00} interest charges be credited back to my account. The total amount is {$1800.00}
Product: Vehicle loan or lease

I been trying for months to start a long term payment arrangement due to financial hardship and I been late almost every month but not more than. 30 days until couple months ago due to employment, medical and divorce situation, I requested several times information and help for long term payment plan but they denied me saying that already did which is not truth since the help I got was called extension and it was only for couple months every times and they said I already used it, then they offered me to increase my interest and add more fees of they lower the payment, truth fact is that they are not willing to help me, please I'm trying to keep my care in order to work I'm starting to work more hours as an interpreter and I applied for jobs but it's been little difficult for me to find, willing to make payments but half of the payments for a minimum of 6 months, now I received a letter saying of I don't pay they will repossessed my car is my only tool to work Thank you for your work. 

This is the company that I finance my car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They still current show a charged off balance from a lowes purchase and I have since paid it off. Since the are violating the FCRA I will be suing them in small claims court for discrimination against an XXXX as they wont give me a another loan as it shows I have a Available limit up to {$300.00} to use and it wont allow me to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help for one more time. 

Currently Bank of America is reporting to all Credit Bureau my VISA  and MASTER credit card as account closed with close status DEROGATORY since i had unpaid balance on it. 

Now I have paid in full due amount of {$9600.00} on XXXX-18 to my VISA a/c # XXXX XXXX XXXX XXXX and also settled and paid {$22000.00} on XXXX-18 to  XXXX XXXX XXXX XXXX ( authorized agent of BOA ) for my MASTER card a/c # XXXX XXXX XXXX XXXX. My both account should have XXXX balance now. 

My only request is to report/show close status as CLOSED rather than DEROGATORY. 

I would appreciate your help in this regard ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Two accounts are still reporting on my Experian Account. I have included evidence that Experian has deleted this account but is still reporting it onto my credit report. I have called Experian and reported it to them but they have yet to solve this problem. I have even mailed them showing them proof that these accounts was deleted and is still reporting on my credit report. The two account numbers are : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I, XXXX XXXX have previously notified XXXX  and Equifax, that I am a victim of identity theft.
Product: Credit card

I am disputing the collection account with NAVY FCU account number XXXX, dated XX/XX/year>, with a balance of {$2800.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that NAVY FCU provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Under the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable. During this time, I made payments on my federal loans to Aidvantage. I requested a {$10000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried so much about when the physical money gets back to me, since that has to come from the Department of Education, but I was expecting the loan amounts to reinstate on the Aidvantage website by now since they legally have to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for XXXX XXXX with a balance of {XXXX} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.
Product: Checking or savings account

Let 's start by saying that this complaint is related to my previous complaint that was open with the CFPB. Which is related to a case that is opened on my fiancee 's account. His case number is XXXX - XXXX, XXXX XXXX. The initial dispute case is XXXX. Since his request for a contact back to discuss this further has still been unfulfilled I am now forced to open another complaint. 

We have received the response from Chase stating that the merchant gave them documentation showing that the item was delivered to the address we have on file. This is simply not a true statement. This package has been confirmed now by XXXX separate customer service agents at XXXX on XXXX separate occasions that it was not delivered to our home at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

In addition to support that this is a false claim the tracking information only provides that it was delivered to XXXX XXXX XXXX so how they can confirm that it was delivered to our address, without calling XXXX is completely baffling me. XXXX XXXX XXXX is the city of XXXX people, the fact that the address is not on the tracking information, is even more reason for a call to be completeld. I do not understand why they are not required to contact fedex to confirm this information. 

This has gone on so long that I am now 2nd guessing myself and I have now contacted XXXX a XXXX time. Still when I give them the tracking information and the address that it should have been delivered to they confusingly say no mam, that is not where it was delivered. 

They can not give me the address in which it was delivered for security purposes which I understand they don't want me showing up at somebody else 's house to get my package that should have been delivered last year around XXXX time. 

At this point this is based on principle alone, and the fact that people are being too lazy to confirm this information. I now feel as if we have been ripped off by 2 separate companies this should have been a very easy claim to review. The package was never delivered to our address and if somebody would pick up the phone and call XXXX at XXXX XXXX they can confirm that tracking XXXX did not get delivered to my address. 

We have tried to contact Chase to resolve this on our own. We contacted the executive office who was working this case. We never got a call back. I know that there's a time frame involved with this process. So now hopefully we can get the actual personal attention that we need to feel comfortable about this situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into XXXX accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections accounts from XXXX  that I do not recognize, and I have not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt
Product: Debt collection

I have contacted this company directly and ask them to please validate the debt. They can not provide sign documents, Photo of ID, pictures from being at this hospital. I have also contact all 3 credit bureaus and Design solutions have provided them with false information. I also have a police report my wallet with my ID was stolen out my car.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, yet the problem persists. The presence of these unauthorized items has severely affected my life, resulting in considerable distress. I must emphasize that I never authorized or consented to the inclusion of this information under my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name on Experian is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX  XXXX XXXX XXXX Account Number on Experian is XXXX, Account Number on XXXX is XXXX  and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX Account XXXX XXXX XXXX and XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Comenity bank Wayfair credit card is reporting incorrect late payments on my credit bureau accounts. I have contacted them multiple times to resolve this and the payments are still showing incorrect. 

In XXXX of XXXX, they reported I had late payments on XX/XX/XXXX and XX/XX/XXXX. I reached out to them to correct this and they just moved the late payments to new dates. 

Currently, my reports show as follows : XXXX - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late As you can see these dates are all over the place and none of them are accurate. This account is closed and paid in full yet these false late payments are harming me and preventing me from getting approved for a home. I need help with having them remove these false lates from my credit reports asap.
Product: Credit reporting or other personal consumer reports

EXPERIAN, I'D SUGGEST YOU READ THIS ENTIRE COMPLAINT BEFORE RESPNDING WITH THE SAME COPY AND PASTE REPLY YOU GIVE TO EVERYONE. THE NEXT CONTACT WILL BE FROM AN ATTORNEY. 

CFPB I'M HEREBY REQUESTING YOUR AGENCY GET INVOLVED. EXPERIAN CONTINUES TO DENY CLAIMS OR COME UP WITH NEW REASONS TO DENY. XXXX AND XXXX HAS UPDATED MY REPORT WITHOUT ANY ISSUES BASED ON THE INFORMATION I PROVIDED. 

OnXX/XX/2024 Experian was delivered an IDENTITY THEFT packet. In this packet it included the following : Statement on identity theft drivers license social security card bank statement to prove address FTC Identity Theft Report Detailed list of which items was identity theft Detailed list of which addresses was not mine Detailed list of different names showing that were not mine Detailed list of different social security numbers that showed on report, that wasn't mine Since the very beginning of this process with Experian, they have continued to deny the request, when called on the phone was spoken to very unprofessionally, hung up on etc. Every few days I get a new email making other false claims of items missing. 

There is the email sent to me today : _____________________________________________________________________ We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we do not know which items on your credit report are the result of identity theft. Please indicate the specific items on your personal credit report that appeared as a result of the fraudulent activity, and include the information listed below : Account name ( s ) Account numbers The dates of the fraudulent activity One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years _____________________________________________________________________ On the FTC Identity Theft report is CLEARLY states which items are IDENTITY THEFT! XXXX and XXXX had no problem whatsoever with reading the document, and this is just prime example of Experian violating the law as CFPB has fined them several times before.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
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