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

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date open______XX/XX/2020__________________________________ Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account Amount__XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the ongoing inaccurate reporting of an account with XXXX XXXX XXXX on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX TransUnion Report Details : High Balance : {$29000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Repossession Creditor Remarks : Payment after Repossession Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX  Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly XXXX XXXX XXXX {$0.00} Specific Issue : This account was charged off on the following date : XX/XX/XXXX. Since that date, the account has been repeatedly updated as " charged off '' every month. These repeated updates in the payment history are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, it should not include an active payment history. The continuous updates falsely extend the statute of limitations on this debt, causing harm to my credit standing. 

Violation of Rights : I have previously requested that this matter be investigated twice, but your neglect to address the inaccuracies has resulted in a violation of my rights under XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. The continued reporting of inaccurate information after multiple requests for correction is unacceptable. 

Demand for Deletion : Given the persistent inaccuracies and the failure to correct this issue, I am now demanding the deletion of the account from my credit report. The following account details must be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reporting Agency : TransUnion Requested Action : I urge the CFPB to take immediate action by ensuring that the creditor, XXXX XXXX XXXX, conducts a thorough investigation and deletes this account from my credit report. Failure to do so will compel me to explore further legal avenues to protect my rights. 

Thank you for your prompt attention to this serious matter. I expect to receive confirmation of the deletion and correction of my credit report as soon as possible. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX someone was able to open and obtain a XXXX XXXX XXXX XXXX credit card using my social security number. 
When the collection department was able to get a hold of me by telephone, immediately there were XXXX red flags. They had a wrong address on file as well as an email that was not associated with me. I explained that I had never made that purchase nor did I consent. 

Underneath you will find the information that the collector/creditor sent to me, as soon as i provided them with my correct email : Thursday, XX/XX/XXXX Consumer : XXXX XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX Original Creditor : XXXX / XXXX XXXX XXXX Acct # : XXXX Account Balance : {$7700.00} XXXX XXXX DRB , LLC is XXXX debt collector. This is a communication from a debt collector, we are attempting to collect a debt that you owe to XXXX XXXX XXXX, and any information obtained will be used for that purpose. 

Our Information shows you had an account with XXXX / XXXX XXXX XXXX with account number XXXX. 

If you'd like to view your account online through our portal, click HERE to create your login. 

As of XX/XX/XXXX you owed : {$7700.00} Between XX/XX/XXXX and today : You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of debt is now : {$7700.00}
Product: Credit card

I always pay my credit card on time. I logged in to see that my Bank of America credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with.
Product: Mortgage

XX/XX/2019 : Called Chase customer service line and complained that I keep getting a NSF charge on my account and would like it removed. They said that they have no proof that I paid that amount which is {$820.00}. I told them that I have proof of my payment, they then told me that I had written a bad check to them XX/XX/2019 in the amount of {$740.00}, which I did not. I would not normally seek action on something so trivial, but this has been going on every month now since XXXX. I'm sure that I'm not the only one being wrongly charged by Chase. Can you please look into this for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX XXXXnd may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of my XXXX XXXX  and XXXX Auto accounts. Both accounts were charged off ( XXXX in XX/XX/year> and XXXX XXXX in XX/XX/year> ), yet they are being repeatedly updated as charge-offs each month, inaccurately reflecting active payment history and manipulating the statute of limitations. XXXX is reporting the XXXX XXXX account with a {$0.00} balance, while Experian reports it with a {$30000.00} balance, and it is not reported on XXXX at all. The XXXX account is only reported to XXXX, not XXXX or Experian. XXXX and Experian have failed to properly investigate these accounts, and I request their immediate removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that accounts need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have my credit being reported to Equifax from all my creditors, but Equifax refuse to update everyone of them, on XX/XX/XXXX and on XX/XX/XXXX after innumerous calls I decide to use CFPB to se if Equifax would get things write, but still not working, the excuses from Equifax to my requests are ridiculous. After sending copy of the IDS and proof of citizenship Equifax still not report the correct name on my report or updated the information the creditor has being sent. 
On XX/XX/XXXX we asked why the name was not being accepted in the system and Equifax answering saing i'm not a resident in the usa for at least 10 year and have no social security number. 
In attach is copy of my Id 's including SSN and proof from some creditors that i'm a usa resident on the past 42 years, and also copy of the XXXX credit report
Product: Credit reporting or other personal consumer reports

A third party is suing me for something from XXXX I already disputed that wasn't mine from XXXX.
Product: Credit reporting or other personal consumer reports

I want to file a complaint against XXXX. They refuse to remove a late payment for XXXX XXXX account that was a mistake that XXXX XXXX admitted to. XXXX XXXXXXXX had a glitch on their online payment system which would not allow me to make a payment for a. month. They agreed to remove the late payment and take off late payment fees but XXXX refuses to remove the late payment on my account. not XXXX but 2 months.
Product: Credit reporting or other personal consumer reports

I put in a request for my XXXX XXXX to show paid in full. I have had it.Im tired of waiting for your update. XX/XX/XXXX I will be filing a lawsuit against equifax and XXXX  I sent you the proof the account was paid in full. There is a difference between paid in full and closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is on my credit report twice due to identity theft. I was told to file a identity theft report with the Federal Trade Commission and these two closed accounts would be removed. I previous sent a police report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

My cash back XXXX card did not credit me with the correct reward dollars I accumulated in XXXX. This card is issued through First Citizens Bank. I have been told that it is being " researched ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I am in desperate need of this item to be REPAIRED or CORRECTED. 

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

inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( Auto ) XXXX XXXX, XXXX XXXX CO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Student loan

I attempt to log into my student loan account and receive this message " Nelnet periodically sends emails about your student loans to provide important information. By reading this message, you agree to receive emails from Nelnet at any time. '' I do not consent to receive important information via email. There is no way to decline this. A person can not agree to something simply by reading a disclosure. This requirement needs to be removed so I can access my account.
Product: Credit reporting or other personal consumer reports

Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION FTC Identity Theft Affidavit to report 4 separate fraudulent hard inquiries on my consumer FICO report. These fraudulent accounts are under the name of XXXXXXXX XXXX XXXX XXXX  on XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Consumer demands that the aforementioned fraudulent items be removed from each of my consumer reports pursuant to my rights within FCRA and FDCPA laws It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now.

15 U.S. Code 1681s - Administrative enforcement : Consumer reporting agencies, furnishers, and other entities subject to the FCRA must maintain robust compliance programs to avoid regulatory action.

Violations can result in investigations, penalties, and reputational damage.

15 U.S. Code 1681e - Compliance procedures The FCRA imposes several obligations on Consumer Reporting Agencies, including obligations to : ( 1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in Consumer Reports, 15 U.S.C. 1681e ( b ) 15 U.S. Code 45 - Unfair methods of competition unlawful ; prevention by Commission Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Removal Of All Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from capital one on XX/XX/XXXX but I did not make any inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor " Capital One/ Walmart '' and has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXXand have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite four mail certified written requests to Equifax credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

WORLD OMNI Fhas an account on my credit report with XXXX  and XXXX  that is not mine. 
opened on XX/XX/2017