23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Attention dispute department XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX XXXX XXXX XXXX DELINQ 90 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX XXXX XXXX XXXX COLLECTION XP/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CONTINUES TO VIOLATE MY CONSUMER RIGHTS WITH INACCURATE REPORTING AND NOT REMOVING INVALID ACCOUNTS THAT I DSIPUTED 10 TIMES. TRANSUNION IS STILL INACCURATELY REPORTING : XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT WAS REMOVED SEVERAL MONTHS AGO FROM XXXX AND XXXX XXXX BECAUSE IT WAS INVALID, INACCURATE, UNPROVEN AND UNVERIFIED. 
ONLY TRANSUNION CONTINUES TO REPORT THIS INVALID ACCOUNT. 
I HAVE DISPUTED THIS ACCOUNT WITH TRANSUNION 10 TIMES AND HAVE NEVER RECEIVED ANY PROOF OF HOW TRANSUNION SUPPOSEDLY VERIFIED THIS ACCOUNT? WHAT METHODS WERE USED TO VERIFY THIS ACCOUNT? 
WHAT DOCUMENTS WERE PROVIDED SHOWING ANY PROOF THAT THIS ACCOUNT WAS IN MY LEGAL NAME, WHERE ARE COPIES OF BILLS OR STATEMENTS WITH MY LEGAL ADDRESS? 
XXXX AND XXXX REALIZED THAT THIS ACCOUNT WAS INVALID AND REMOVED IT FROM MY REPORT TO REPSECT MY RIGHTS. BUT TRANSUNION REFUSES TO FOLLOW FCRA RULES?
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear : I am writing to dispute and request an update on my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : My current legal name is XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

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 ensure the 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. Therefore the following information needs to be investigated. 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 BALANCED {$0.00} Chargeoff XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I received an offer from Chase XXXX XXXX for 5 % Unlimited cash back on travel purchased through Chase Ultimate Rewards. On XX/XX/2020, I charged a cruise deposit of {$600.00} on my Chase XXXX XXXX  Rewards Card. On my XX/XX/2020 statement, my reward on this travel was only 1.5 %. When I contacted Chase and spoke to XXXX and then XXXX, a manager, they informed me that I needed to go to the Chase Rewards website to book the travel in order to get the reward. No where does the XX/XX/2020 email say anything about a website only that " ... travel purchases booked using your card through the Ultimate Rewards program ... '' would receive the 5 %. My card statement clearly indicates on the statement " CHASE XXXX UNLIMITED REWARDS, '' leading me to believe using the card qualified me for the 5 %. Chase 's advertising is at best misleading, and at worst fraudulent. Thus, Chase successfully convinced me to use their card over a competitor 's card then ripped me off {$21.00}, offered but not awarded. I can not not trust their advertising in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX ) XXXX Balance : {$91.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$73.00}
Product: Mortgage

Mortgage was on a hurricane monitoring and was sold to another lender they knew that we were in this hurricane monotheism and we did a modification but they reported that we had late payments when we never did and we were assured by HUD and our previous lender that nothing negative would be reflecting in the credit but they have yet to remove it
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through a loan modification in XXXX with XXXX XXXX Loans. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XX/XX/XXXX was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
Product: Credit reporting or other personal consumer reports

I tried to access my credit report but there's an INTERNAL BLOCK on my credit file.
Product: Credit reporting or other personal consumer reports

After Issuing Multiple Cease and Desist directives, and contacting XXXX XXXX XXXX directly, XXXX XXXX XXXX has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. My rights have been violated and I demand that they remove my information from all three credit bureaus. ( XXXX ) DID NOT* have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. None of these options were disclosed or explained to me before or during the rushed contract e-signing process. This deceptive practice is in violation of my rights and I demand the removal of the account from all three credit bureaus immediately. 

XXXX XXXX also lied and provided misinformation pertaining to the furnishing of said disclosures and also dismissed my previous complaints and cease and desist directive, stating that they will continue to report this information, in violation of my rights.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian and XXXX and also XXXX a detailed police report to make them aware I was a Id theft victim for XXXX XXXXXXXX and XXXX XXXX XXXXXXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back Experian failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.
Product: Credit card

Hello this is a follow up since I cant respond to the other case XXXX The bank stated that the bank did not mention anything regarding reinstating my account or lying yet I have the conversation recorded via apples records function which notifies both parties whenever this happens and in their its stated that my account will be able to reapply for the credit card I also mentioned that if its not going to work just let me know so I dont waste my time checking my and they said no it will work and you can reapply XX/XX/XXXX which its been XXXX weeks after that now and still nothing. They are young in my face and I have the conversation which I will provide as well if need me. I can easily make this a lawsuit. I just want my account back I cant upload files due to it being too large
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an ongoing issue with LCIXXXX XXXX XXXX regarding the removal of inaccurate bankruptcy information from my credit report. Despite my repeated attempts to address this matter directly with LCI/XXXX XXXX XXXX over the past several months, they have failed to take appropriate action. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Date of Birth : XX/XX/XXXX  The specific bankruptcy listing in question is associated with the file number XXXX. I have received a letter from the bankruptcy court confirming that they do not report bankruptcy data to credit bureaus. A copy of this letter has been provided to LCIXXXX XXXX XXXX  for their reference and verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), LCI/XXXX XXXX XXXX is required to investigate and remove any information that can not be verified. Given that the bankruptcy court does not report this information and there appears to be no verifiable source for the bankruptcy listing on my consumer report, I am requesting that LCI/XXXX XXXX XXXX promptly remove this bankruptcy listing from my consumer file. 

Furthermore, per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate bankruptcy listing is a clear violation of this provision. 

Additionally, 15 U.S.C. 1681 addresses the permissible purposes for obtaining a consumer report. I question who granted the credit reporting agencies permission to include this inaccurate information on my consumer report. 

Despite providing proper identification and the letter from the bankruptcy court, my requests have gone unanswered. The presence of this inaccurate bankruptcy information on my credit report is causing significant harm to my creditworthiness and financial well-being. 

I kindly ask the CFPB to intervene in this matter and ensure that LCI/XXXX XXXX XXXX complies with their obligations under the FCRA. I request that they promptly remove the inaccurate bankruptcy listing and notify me in writing of the results of their investigation and the actions taken to correct this error. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the inaccurate information and the credit reporting agencies has failed to comply and correct the status of my consumer report. As this is a direct violation of 15 U.S code 1611 willfully and knowingly reporting inaccurate information damaging the credit worthiness of the consumer
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) * XXXX  XXXX XXXX  XXXX ( XX/XX/2022 ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Equifax 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE.

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.
Product: Credit reporting or other personal consumer reports

I see that XXXX and Experian are reporting XXXX XXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and Experian are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.