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

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized Inquiry : XXXX XXXX  Date of inquiry : XX/XX/year> DELETE!!! 

Unauthorized Inquiry : XXXX XXXX Date of inquiry : XX/XX/year> DELETE!!! 

Unauthorized Inquiry : XXXX XXXX  XXXX Date of inquiry : XX/XX/year> DELETE!!!
Product: Debt collection

Williams and Fudge embarrassed me at my place of work by calling and asking for me. Their number was on the caller ID so it is obvious to anyone who looked them up after transferring the call to me. 

This person was not friendly and I believe acted in a very malicious manner by trying to intimidate me and embarrass me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent, and I believe they are a result of my personal information being leaked on the dark web. I am requesting the immediate removal of the following inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

American Express... 
Submitted my card to be closed for nonpayment. 
I had a XXXX balance. 
Asked to be sent the charges, never received them. 
When calling I have been given the runaround, on hold for hours. Saying its a different company and does not have access to that information, but am transferred and they answer as American Express. Very Odd.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX  Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : Boeing Employees Credit Union XX/XX/2018 XX/XX/2018
Product: Credit card

On XX/XX/year> I purchased a dress from XXXX XXXX XXXX and it arrived 3 days later. I tried on the dress in my closet and it was way too long on me so I took it off and put it back in the plastic bag packaging and into the box and sent it back to XXXX to return it, within days. The dress had been tried on for less than one minute in my closet and is unused, unworn, new with tags, and in perfect condition. XXXX received the dress in the shipping center and sent the dress back to me with a note that said the item had been worn and is unreturnable. I called XXXX to dispute this and they said the decision by their shipping center is final and nothing can be done about it and the unworn, new with tags, in perfect condition item could not be returned. They said no one else can help me. I then contacted American Express about the issue and completed all the required information to have them dispute the charge with XXXX on my behalf. American Express sent me a letter dated XX/XX/year> that they contacted the vendor and they can not reverse the charge due to goods not received. American Express has not protected me as they claim to protect all their customers. It is evident they did not fairly evaluate this dispute and merely sent me a response without doing any due diligence on this matter. I have been robbed of {$860.00} from this retailer and American Express is simply taking a canned response from XXXX over the truth instead of protecting their customer. American Express continuously claims they protect their customers from erroneous charges, but in this case they are not standing by their words.
Product: Credit card

XX/XX/2016, a merchant processed an unauthorized charge on my US Bank personal Visa card in the amount of {$270.00}. 
I happened to be travelling abroad on business so I did not notice this charge until my return XX/XX/2016. My account has been previously paid off with no outstanding balance. 
When I called US Bank credit card customer service XX/XX/2016, I opted to pay the balance in full by phone and dispute the transaction with the merchant rather than initiating a dispute with US Bank. The representative assured me that there was no negative impact on my credit report by doing this. 
The merchant opened a case ( case # XXXX representative name XXXX ) to investigate the charge and once that was completed, XXXX XXXX refunded the amount back into my US Bank credit card. The charge as well as the refund currently appear on my credit card transaction details. 
Placing a late payment because of an unauthorized use of my card contradicts the fair reporting act and is causing me a significant financial hardship.
Product: Debt collection

This company has called multiple times but refused to talk to anyone unless we verify information. Stop calling any of our numbers unless you are going to actually talk, I 'm not giving my information to someone I do not know.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my city and my zip code ( XXXX TX XXXX ) were severely impacted by XXXX XXXX. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for XXXX assistance. At the same time, I contacted our mortgage company ( Rocket Mortgage ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both Rocket mortgage and XXXX in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a XXXX late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted Rocket Mortgage and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a XXXX late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - XXXX XXXX XXXX & XXXX - Definitions ; rules of construction I XXXX code I US Law I LII - XXXX XXXX XXXX XXXX & XXXX Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. 

- XXXX XXXX XXXX XXXX XXXX ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section XXXX of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Student loan

Navient is servicing my loans and the balances are getting out of control. I questioning the amounts and practices of Navient. I would like for the XXXX to be verified with my college.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. 
An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. This misinformation is adversely impacting my XXXX XXXX and creating a misleading representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX  XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX}.
Product: Credit reporting

Experian Consumer Dispute : Dear XXXX According to the Fair Credit Reporting Act, XXXX U.S.C. XXXX Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report to assure maximum accuracy. Without proper verification by them, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Experian used to verify that the account ( s ) belonging to me the first time they reported the account on my credit report. Failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA XXXX XXXX. XXXX, unverified accounts must be promptly deleted. If Experian is unable to provide me with a copy of the verifiable proof that Experian has on file within 30 days for each of the accounts listed below then they must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. The following accounts must be verified or removed immediately : Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX/XXXX/1976 XXXX XXXX XXXX XXXX, CA XXXX
Product: Consumer Loan

My wife and I acquired a home equity loan in XX/XX/XXXX, the payments of which were on an automatic deduction at a specified date of each month. The last payment in this cycle was current at the end of XX/XX/XXXX. In XXXX of this year, I stopped the deductions from my primary account which raised the interest rate the loan was figured with. By XXXX, this note was six months delinquent. I was blessed with spousal support to help remedy three months of payments. A total of 3 months payments, combined with 3 months of late fees was paid. The lending institution credited the account with an amount of one month plus {$57.00} of the second month, the balance left from that was taken for interest charges, no credit issued for late charges. Is this fair?? On XXXX occasion, I questioned them about why the interest payment credited was more than the interest payment of the previous month, they just gave me the runaround about it, their answer did not set well, as I knew I was being cheated into paying more than the loan was for. The accounting method used by this bank, as well as others, needs to be explained every month to the borrower as to how the payments are calculated. I know they will get their interest first. The loan originated at 6.9 % ( .069 ), the interest on my primary account, the bank was paying me was .01 % ( .001 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint on TransUnion XXXX and XXXX XXXX reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from
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. 


XXXX XXXX # XXXX - has violated my rights 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 reporting, credit repair services, or other personal consumer reports

Equifax states I do not have a credit score or report. I sent my if documents to them. I also have not been able to get my credit reports or more information. Please help.
Product: Vehicle loan or lease

I HAVE AN AUTO LOAN WITH EXETER FINANCE. THIS COMPANY 'S WEBSITE HAS BEEN UNUSABLE TO MAKE PAYMENTS FOR A FEW MONTHS NOW AND THEY ARE DOING ABSOLUTELY NOTHING TO FIX IT. WE HAVE NO WAY TO MAKE A PAYMENT ONLINE AND THEY TELL THEIR CUSTOMERS TO JUST MAKE A PAYMENT OVER THE PHONE, THIS IS VERY INCONVENIENT FOR ME AND FOR MANY OTHER PEOPLE. I MAKE PAYMENTS AT DIFFERENT TIMES AND DIFFERENT HOURS OF THE DAY ALL THROUGH THE MONTH & I'M NOT GOING TO CALL THEM EVERY TIME NOR WILL THEY BE AVAILABLE EVERY TIME I AM. I'VE HAD SEVERAL DIFFERENT PROBLEMS WITH THIS COMPANY AND THIS JUST COMPOUNDS ALL THE OTHER ISSUES I'VE HAD WITH THEM. I WANT & NEED TO GIVE THEM MY MONEY TO MAKE PAYMENTS ON MY VEHICLE, AS IRREGULARLY AS IT IS, BUT THEY ARE MAKING IT AS DIFFICULT AS POSSIBLE TO DO SO!
Product: Credit reporting or other personal consumer reports

The accounts listed in the report fraudulent acounts that need to be removed immediately. They are affecting my ability to obtain credit to continue running my business. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am self employed and do not work at that company Remove addresses : XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX Remove XXXX XXXX XXXX TX XXXX
Product: Credit card

I made XXXX purchases using my NavyFed credit card. 
XXXX ) In XXXX for XXXX XXXX pesos or XXXX {$2.00} ) XXXX XXXX for XXXX real or XXXX $ I have provided Navyfed with the original receipts from each company. I have provided Navyfed with XXXX XXXX rate on the day of the transactions. Navyfed refuses to provide me with XXXX XXXX and transaction details. I believe I was over harged by Navyfed almost {$200.00} with these transactions dating back to XX/XX/2023. 
I have made multiple calls, and over a dozen secure banking messages. The bank refuses to provide me the data and refund me the correct amount. I have been with Navyfed for 27 years and never experienced this level of disinformation.