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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. B
lock of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall bloc
k the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

I was told I was a cosigner for my brother but I never recieved any proof. Also if that is the case why did the collection agency process a wage attachement through proper procedures for not paying rent. They have his social security number, work place all the information they need to cllect from him instead I was harassed and I recieved no paper work. I am XXXX I have n't worked since XXXX XXXX, 2004 thst is the precise date I was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX-Date of XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters time and time again to update my report and dispute inaccuracies. Company is not updating or responding to any of my request.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.
Product: Debt collection

I received a letter XX/XX/XXXX  Online Services and I referred to a Dept I owe something as XXXX XXXX XXXX with an account number XXXX letter is dated XX/XX/ in the amount of XXXX I have no knowledge about this account at all so I assume they have the wrong person okay Thank you have a blessed day
Product: Money transfer, virtual currency, or money service

On Wednesday, XXXX XXXX, XXXX, I purchased tickets for a show. I made a payment to the seller via Chase XXXX in the amount of {$400.00} around XXXX XXXX. The seller did not send the tickets as agreed, rejected phone calls and did not respond to text messages. At XXXX PST I called Chase Bank to alert them of fraud. XXXX, who was the representative I spoke to in the Fraud Dept/Fraud Investigations Dept said that the payment was made to another Chase customer. The account had only recently been opened, and the name that the seller gave me did not match up with the name on the account. They also said from what they could see on the account this customer had a history of incoming XXXX payments coming and immediate withdrawals, which he felt were a warning sign. XXXX, the fraud specialist, then submitted an automated request that the account holder return the funds due to fraud. XXXX then said there was nothing further he could do on the phone and suggested I go into a Chase branch the following day ( by this time it was last XXXX PST and branches had closed ), and speak with a branch manager. The following day, XXXX XXXX, XXXX, I went to Chase branch ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and spoke with a Personal Banker, who suggested we call the fraud department. She was also unable to come to any sort of resolution. I asked that the issue be raised to a branch manager. The branch manager, XXXX XXXX, then opened a branch dispute which is seen by a Branch Complaint Escalation Group. She too was unable to find a resolution and raised it to her XXXX, XXXX XXXX XXXX XXXX XXXX, ext XXXX ) was also unable to resolve the issue as well. The fraud issue was then raised to her manager, XXXX XXXX. Through the numerous calls and conversations with Chase, all the employees said they understood that fraud had occurred and that the other party was a Chase customer, for which they have a name, number, address etc but they could not do anything. They all also understood that the account was only recently opened by the customer, the name given to me and used for the transfer of funds did not match the name on the account, and the other party had a history of similar transfers and immediate withdrawal. Chase has taken no action to resolve the issue and have violated the BSA Patriot Act XXXX federal law ), as they are knowingly allowing fraud and have n't not taken any action to resolve the ongoing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report. I notice unauthorized inquiries was placed on my credit report. I did not consent to, authorize, nor benefit from any of the following Inquiries. Block and remove them immediately Under 15 U.S. Code 1681c2. Under 15 U.S. Code 1681a-2 my reputation is ruin because there are inaccurate inquiries reporting on my file.
Product: Credit reporting or other personal consumer reports

My payment history is generally consistent, and these late payments do not reflect that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, Ive looked at my report back in XXXX, and noticed some things are incomplete and inaccurate. I sent a letter to XXXX Transunion and XXXX via CFPB and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix everything Ive demanded. 

They are committing Federal law violations According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Yet they failed to do that as well either. 
They are also violating these laws as well below : According to 15 USC 1681s-2 it states this. 
( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. May you please adhere to my demands and requests. 

Delete these inquiries listed below immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii ), and XXXX XXXX XXXX XXXX b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

On XX/XX/2019, I attempted to do a balance transfer on this card with another bank. I called to customer service to verify the balance at that time, XX/XX/XXXX. They gave me an amount and the total went up XXXX dollars throughout the process, with no explanation or notice. It wasn't mentioned during my XX/XX/XXXX phone call. I had to cancel the initial payment from my bank, XXXX XXXX and initiate a new payment with the suddenly increased, undisclosed amount. I understand from a phone call today that Synchrony Care Credit has held onto this check since XX/XX/XXXX, not applying it to my account in an attempt to collect more interest I suspect. XXXX XXXX sent them a check for the increased amount on XX/XX/XXXX. The call center agents are hostile and unprofessional and completely irrational. I asked for a supervisor and XXXX came on the phone and was attempting to impersonate a supervisor by repeating he was an " account manager " and refusing to confirm whether or not he was a supervisor. When I figured out that he was lying, I asked for a supervisor. He claimed " none were available '' he was " very sorry. '' Kept repeating that, like a recording. I asked for my survey and he disconnected the call in a way that I was unable to take the survey, barring me from taking my phone survey. He attempted to pretend to be a supervisor after I asked for one. I was transferred to another call center 's " buddy, '' which was this guy. The problem is that Synchrony has my check, charged me interest during a balance transfer process and is attempting to charge me further interest to go into another additional billing cycle.
Product: Money transfer, virtual currency, or money service

The account is XXXX. 
On XX/XX/year>, I tried adding my bank information, instead of just using my debit card to bypass the trasnfer fees. I then got an email that my account was frozen. I tried calling customer service, but they were no help. they told me i would reacieve an email shortly. I recieved an email this morning stating that my account has been deactivied. I have a {$800.00} XXXX  balance right now. I asked if i could atleast get the funds and they said they would hold them for XXXX  days. They did not give me options to prove that it was me. I have also researched they they never end up giving it to some of their customers. The {$800.00} was from my sister, to pay for the bills. This is now putting me at finacial risk and they are not helping me in any way. I have offered to prove that it is me, by sending in pictures of my Drivers license, my pass port, my social securiuty, my bank information. ANYTHING they would need to confrim my identity so that I could atleast get the funds. They just continue to tell me the same thing.
Product: Credit card or prepaid card

I signed up for a store Credit Card with Amazon through Synchrony Bank in 2018. I put it on automatic payments. I should of been close to paying it off. A credit report showed me I still owed for than more I purchased on it. So I logged in to check my account. Apparently I was being charged a Security fee on top of Interest. So the minimum payment would not cover it. I was charged a security fee for almost 5 years for about XXXX dollars a month. I never agreed to the security fee. They opted me in but won't tell me how I agreed to it. I was able to cancel it, but they will only refund me for one year.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX  with the XXXX major credit bureaus regarding a charge-off account issue. Despite attempts to resolve the matter, the XXXX credit bureaus have failed to provide adequate information and assistance regarding my charged-off account. 
XXXX  XXXX XXXX Balance Owed : {$3900.00}
Product: Debt collection

We 've been receiving phone calls saying they 're an attorneys office XXXX XXXX and XXXX, who also said were with debt holding group trying to collect a debt. The memo I have a attached is what they sent me when I asked for verification of the debt owed even at the bottom it says they 're not a law office. Numerous time they assured me they were n't scamming me because they 're an attorneys office. First they told my husband he owed {$900.00} then told me he owed around {$700.00} when we checked with the original store he took the payday loan from it was only {$590.00} they sold it to debt holding group and then they sold it to XXXX group XXXX XXXX. The told him it was a felony if he did n't pay and that they were taking us to court if we did n't pay them that day ( Thursday XXXX XXXX ). When we ask them to send us verifying documentation about the debt we were sent a word document that did n't even have the companies address or correspondence on it. We have never received any mail or previous phone calls about the debt. They said they sent us mail but they had the wrong address when they sent the verification of the debt. They also said they had him on video going into the apartment which again they had the wrong address. My husband also had taken out this payday loan before we were married and my name is no where on the account and he never gave them permission to discuss the debt with me and when I called I expected that but they were more then willing to give me any information I asked for and were very rude with me when I confronted them about sharing his information with someone they did n't even verify who it was. I have read it is against the law in Texas. We ca n't find any information about this company online expect that they have been scamming people. If my husband does in fact owe a debt we would like to take care of it but we 're afraid to pay these people regardless of their threats of taking us to court because it does seem like a scam. We were wondering how we should proceed the debt is n't on his credit report and we do n't know if these people are even legit. Please help.
Product: Checking or savings account

i have 2 accounts that's appearing on my credit report that need to be removed I've made contact with both banks and still they haven't removed them from my consumer report.
Product: Credit reporting or other personal consumer reports

This is my personal, good-faith request for relief to REMOVE these ITEMS, let this letter serve as a formal notice you knowingly reporting inaccurate, incomplete or unverifiable information regarding the items listed below. Here as listed ITEMS in error : The following ITEMS have not been validated and must be removed : 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

I have contacted the 3 major credit reporting agencies about these very issues at hand.

In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts must be removed immediately : 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 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, farther states that a consumer reporting agency can not furnish a account without my written consent / instructions.

15 USC 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.

Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate.

I'm demanding that the accounts above be removed and deleted immediately.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

This late payment doesnt reflect my consistent payment history.
Product: Debt collection

This account was tone removed from my credit report once I paid in full - what the company has done after I disputed the account is place a XXXX balance but its still reflecting on my credit report as a negative mark - they are a scam and I have proof I paid too have XXXX XXXX XXXX remove this off all credit reports
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging a systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses. and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am sending this dispute letter on my behalf. 
Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
Product: Credit card

Had a XXXX XXXX in XXXX and the first XXXX we saw charged us over {$18000.00} in advance for a XXXX XXXX which we cancelled within one hour after we suspected this doctor was not reliablehe actually separated my wife and me and told her I would die if this procedure wasnt done immediately after which she gave him 2 credit cards which he charged on two separate processors ( red flag ) We found a second more reliable honest doctor that did procedure the next morning I provided documentation to Chase confirming the actual procedure as well as other items and for over 2 months fought with the dispute department after which they ruled in favor of this fraudulent doctor