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

I am writing to dispute the accuracy of certain items listed on my credit report. Please consider this letter as my formal request for correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

Address Error : The address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is incorrect. I kindly request that you delete this inaccurate address from my report immediately. 

XXXX Account ( Account # XXXX ) : Under 15 U.S. Code 1681i, I request that this account be updated to reflect " paid as agreed, never late. '' The late payment information currently reported is incorrect. 

Security Fin Account ( Account # XXXX ) : Again, under 15 U.S. Code 1681i, I request that this account reflect " paid as agreed, never late '' as the late payment information reported is inaccurate. 

XXXX Account ( Account # XXXX ) : In accordance with 15 U.S. Code 1681i, I request that this account be updated to " paid as agreed, never late. '' The late payment information is incorrect. 

XXXX XXXX Account ( Account # XXXX ) : Under 15 U.S. Code 1692g, I request validation of this alleged debt. Please provide the original signed application, contract, or any other instrument bearing my signature, as well as the agreement between the debt collector and the original creditor, notarized and sworn under penalty of perjury. If you are unable to provide this documentation, I request that this item be removed from my credit report as soon as possible. As noted in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), failure to comply could result in liability for willful non-compliance. 

Security Account ( Account # XXXX ) : Similarly, I request validation of this alleged debt under 15 U.S. Code 1692g. Please provide the requested documentation to validate this debt. If you can not provide proof, I ask that this item be removed from my credit report immediately. 

World Acceptance Account ( Date XX/XX/XXXX ) : Under 15 U.S. Code 1681b ( a ) ( 2 ), I request the removal of this unauthorized hard inquiry from my credit report. 

I have made several attempts to resolve these issues with both the credit reporting agency and the creditors involved. If I am unsuccessful with this request, I will be forced to pursue legal action in federal court, naming the credit reporting agency, the creditors, collection agencies, and others involved as defendants.

Please be advised that you are required to complete this investigation within 30 days, per Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. I am keeping careful records of your actions, including the method of verification. I do not consent to the use of e-Oscar or any other automated verification system. 

If I do not receive a satisfactory response within 30 days, I will pursue a small claims action against your company, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

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

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my case # : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX PORTFOLIO XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$960.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX MICHIGAN XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I sent a communication to XXXX XXXXXXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXXXXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Vehicle loan or lease

After reviewing the credit report from XXXX, noticed account from capital one two accounts are conflicting. 
Account XXXX display two late payments. 
Account XXXX display no-late payments. 
Understanding two separate accounts, however, vehicle traded on the day of late payment displayed for account XXXX. 
XX/XX/XXXX, Capital One Auto extended a line of credit for financing. Traded XXXX XXXX XXXX for a XXXX XXXX XXXX. Upon Trade the responsibility of XXXX XXXX XXXX XXXX failed to send payment to Capital One Finance company which compromised credit and creditworthiness. I am requesting a full investigation and exercising my rights under FCRA for wrongful credit reporting and Unfair Sales practices on behalf of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know this company XXXX XXXX nor ever did business with this company. Equifax list 6 accounts ... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX on my credit report. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, they are in VIOLATION of my HIPAA rights. This is a clear FCRA violation. Since 2020 I asked for Equifax to provide their method of verification who Equifax contacted to verify these accounts, what the payments are for, HIPPA documents with my original signature, collections license number court documents that allows XXXX XXXX to continue to pursue this debt in Florida, was this account purchased or are they collecting on the original account holders behalf and has not received anything. XXXX and XXXX both have deleted these accounts already. They also violated my rights under 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I'm reaching out to file a complaint regarding ongoing identity theft incidents. This is the third time I've filed a claim, and unfortunately, there has been no action taken. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. I believe that my rights as a consumer are being violated. As the victim in this situation, I'm feeling frustrated by the lack of assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will have no choice but to pursue legal action.
Product: Checking or savings account

I have been wrongfully accused of fraud through TD bank and XXXX  XXXX XXXX. A check was deposited into my account for {$10000.00} not by me and I was the fault for the situation, which I had no clue would lead to being a scam. My name is now on the XXXX XXXX XXXX and I want my name taken off. I am an XXXX XXXX XXXXXXXX XXXX XXXX XXXX and had clue what was happening with my account I have never done anything fraudulent before and this has messed up my name completely.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus are reporting inaccurate loan amounts.
Product: Credit reporting or other personal consumer reports

My social is showing incorrect on my file I just submitted another dispute I need them to correct all matters plus its been well over 30 days for the last dispute previously please help asap this is ridiculous I have sent them copies of my actual social as well still no help.
Product: Mortgage

My number is currently being spoofed by Secure Lending Corporation. For several months, they have been calling people in XXXX County ( they only appear to call numbers with the XXXX area code ). I would get people calling me attempting to " return my call ''. When I tell them that I did not call, some would get upset with me. I did not know why this was happening and without a company to file a complaint against, I had little recourse. But finally they slipped up. 
They happened to call my wife while spoofing my number. With my phone next to me, there was a call coming in on wife 's phone and it was apparently me calling. When I answered, the lady said she was with Secure Lending and she wanted to talk to me about my mortgage. When I asked here why she is spoofing my number, she immediately ended the call. 

Ultimately, I would like to stop this practice. I hope someone will be able to stop them.
Product: Debt collection

Didn't receive a notice of right to dispute or to request validation of this alleged debt prior to this collection agency reporting invalid information to all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : 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
Product: Credit reporting or other personal consumer reports

ATTN : CFPB I need you to engage in enforcement action on my behalf against Equifax. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Equifax accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to XXXX, XXXX, and Equifax. I've attached proof that USPS delivered and signatures upon receipt. 
Equifax : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent account due to identity theft : XXXX XXXX XXXX Amount : {$920.00} Fraudulent inquiries due to identity theft : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  A - Account # XXXX-XXXXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

BRAND SOURCE CITI - Incorrect balance/never updated.
Product: Credit card or prepaid card

Previous Case # XXXX - to be withdrawn American Express On XX/XX/2022, withdrew {$3800.00} without my permission. American Express increased my amount owed to {$11000.00}. I had only one charge {$300.00}. I am over-charged {$4200.00}. There were no other amounts charged by me ( only placed on my account by American Express ). Please read letter to explain further charges placed due to American Express worker.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX XXXX  DELETE ACCOUNT XXXXXXXX XXXX XXXX XXXX  DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 

XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above. 
XXXX. Removal or correction of the inaccurate information. 
XXXX. An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Lies told and Criminal Activities by XXXX on XXXX, XXXX, Equifax that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won billions of dollars for students that attended XXXX XXXX during certain XXXX XXXX At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX XXXXXXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated College with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for Navients ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX and XXXX sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? XXXX continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX  XXXX and XXXX XXXX
Product: Debt collection

I took a phone out with XX/XX/XXXX, paid the phone off completely months early and got the phone unlocked. I made sure that I had no balance left. Months laters after receiving no notice I had a collection account from SOUTHWEST CREDIT SYSTEM saying I owed XX/XX/XXXX {$85.00}. I called XXXX and they said I did pay off the phone and got it unlocked but I had another bill of {$85.00} due because I wasn't charge for last month when I paid the phone off and got it unlocked. The rep I spoke with when I paid the phone off never told me this but anyway I paid it and they said the collection would be removed and it still has not been removed.
Product: Debt collection

I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA
Product: Credit reporting or other personal consumer reports

Im filing this claim to report an inaccurate item on my credit report That continues to negatively impact my credit. I have tried to resolve this directly with the reporting agencies, but it still remains an issue. I am looking for assistance in looking into this matter for me. So I could have these negative reports resolved. These reports are not accurate and do not reflect my actual credit history.
Product: Debt collection

In response to my previous filed complaints the incompetent XXXX XXXX, Legal/Compliance Dept is still using deceptive and stall tactics. This company is very shady and operates on lies. 

Her response is she needs the last 4 digits of my social security number and my birthday in order to locate a record. 

Obviously, she does not need the last 4 digits of my social security number nor my birthday to locate a file because they already placed this account on my credit file without speaking to me and without sending me a dunning letter. I never confirmed my social security number with them so why was it placed on my file? 

Furthermore, in my previous complaint, I attached a copy of my credit report which shows the account number the company used for the record. So why is it you can't pull my record with the account number your company used to place the debt on my file? 

XXXX XXXX stop using stall tactics because your company XXXX up!!!! I will sue the pants off this company! 

The last 4 digits of my Social Security # XXXX and birthday XX/XX/1982. Now use it and remove this frivolous debt and your company has already violated my consumer rights.