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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in the document attached. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments 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 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 Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

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

Unable to get a temp unfreeze of credit. I was able to easily do this with the other 2 agencies, XXXX  and XXXX, but the Experian process is antiquated and did not work. I answered id verification questions correctly but the system hung up and then blocked me. They want me to send ID documents and SS num in the mail to them, which I am not comfortable doing. There is no way to talk to a live person. There service is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has already dropped my credit score by three points upon opening of investigation. Nothing has changed on my report, but today it's down three points.
Product: Credit card or prepaid card

I had issues while trying to make my payments online for my cabelas credit card I was assured that my payment went through over the phone but in fact it never did. I called again after I found out that my payment was over thirty days late via my credit report. Ive disputed with the credit bureaus and that didnt work. The first time I called I was told that no late payments were in their system. The latest time I called I was told that there is two late payments. I should not be faulted for issues with online payments and poor customer service. I closed my accounts as soon as problems started to occur. I will close my second capitol one acount as soon as I pay it off. I will not use them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owed : {$5200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Owed : {$5500.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX  Owed : {$200.00} XXXX XXXX XXXX Owed : {$390.00} XXXX XXXX XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX  XXXX XXXXXXXX  XXXX XXXXXXXX  XXXXXXXX XX/XX/XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did Not give anyone permission to open any of these Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a XXXX  XXXX to be deleted off my credit report to Equifax around XX/XX/2019 this bankruptcy has been on my credit for 10 years and it is Not reporting on the other two major Credit reporting agencies ( XXXX and XXXX ) it is not fair that equifax will not delete this bankruptcy and I need it deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( Original Creditor : XXXXXXXX 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

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Product: Debt collection

Everyday I keep receiving several calls a day, everyday ( including weekends ) from different phone numbers but the same area code ( 636 ) they have never left a voicemail or have I received a letter about this company called Client Services Inc.
Product: Credit reporting or other personal consumer reports

New Complaint : XXXX XXXX, XXXX **Experian Consumer Reporting** **Violation Notice : Violations of 15 U.S Code 1681s-2** I, XXXX XXXX, am lodging this dispute directly , without any third-party involvement. It has come to my attention that Experian has violated 15 U.S Code 1681s-2, specifically ** ( 1 ) ( A ) **, which prohibits the furnishing of inaccurate consumer information to a consumer reporting agency knowingly or with reasonable cause.

Despite Experian 's prior removal of all XXXX XXXX accounts and inquiries from my profile, they have irresponsibly re-added some. I have consistently denied any ownership of XXXX XXXX accounts. As I have stated before, I am a victim of identity theft and have filed numerous complaints with the FTC and CFPB regarding these accounts.

Here are the details : 1. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 2 . **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 3. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX **Account Info** : - **Account Name** : XXXX XXXX - **Account Number** : XXXX - **Account Type** : Business Card - **Responsibility** : Joint - **Date Opened** : XX/XX/XXXX - **Status** : Account charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
- **Status Updated** : XX/XX/XXXX - **Balance** : {$4800.00} - **Balance Updated** : XX/XX/XXXX This violation of 15 U.S Code 1681s-2, as well as other applicable laws including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Billing Act ( FCBA ), and the Fair Debt Collection Practices Act ( FDCPA ), is unacceptable. These laws ensure fair and accurate credit reporting, prevent credit discrimination, safeguard against unfair billing practices, and regulate debt collection.

Experian 's disregard for these laws demands immediate attention and corrective action to rectify this situation. 

Sincerely, 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

PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus on XX/XX/XXXX regarding the XXXX XXXX XXXX. This item is outdated and needs to be removed from my credit profile. According to the FCRA negative and closed accounts can remain on a credit report 7 years after the date of the first delinquency. According to my records this account became delinquent XX/XX/XXXX it is now XX/XX/XXXX this account is outdated and needs to be removed from my credit report. As a consumer I have the right to a credit report that is 100 % accurate. XXXX, XXXX, and Transunion all have guidelines that they must follow according to the FCRA. I have also reached out directly to the original Creditor about this matter. I understand that mistakes can happen but I expect each Bureau to make this right. Removed this outdated account from my profile. I am in the market for a new home and my credit report is important to me. I expect each Bureau to remove this outdated account from my credit profile IMMEDIATLEY!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Loan Till Payday took two unauthorized payments from my account, in the amount of {$220.00} and a second payment in the amount of {$74.00}. I have reached out and spoke with XXXX XXXX on multiple occasions an di Have asked her to reverse the charges but I have received no response in regards to reversing the unauthorized charges. Prior to this, XXXX XXXX has charged my account multiple times without my approval. I have photo proof of this that I have provided to loan till payday and XXXX advised me through email, that someone else in the company made the unauthorized charges.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cau
se to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Inaccuracies in Equifax report
Product: Credit card

My credit card was cancelled due to a fraud complaint, and a new replacement card was issued. So far, so good .... 

The problem is that in less than two weeks, two merchants who had the OLD card number were permitted to charge to the NEW card WITHOUT my permission. In one case, the merchant never had permission to do recurring billing. In the second case, I had granted permission for recurring billing, but was having trouble canceling. In both cases, I anticipated that my trouble with the merchants would be fixed as a side effect of the fact that the card they were using was CANCELED. 

But this is not what happened. Instead, they were allowed to continue charging the NEW card. I asked the company to explain how this could happen, and they were evasive at best. They said they would " look into it, '' but this is an unsatisfactory response given that the NEW card was less than two weeks old. It feels as if there must be some unacknowledged " back channel '' way that new card information is shared to merchants who do repeat billing. I understand that in some situations this may seem like a convenience to customers, but the lack of transparency is disturbing, and may be causing a lot of unauthorized transactions completed without consumer awareness.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$9800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$130.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$460.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$9700.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX BANK # XXXX - BALANCE {$690.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021, I contacted Equifax in hopes of finding out why all of the accounts on my credit profile had been removed. I verified my identity on 3 separate occasions in the last 6 to 8 months and Equifaxs system glitched and removed all of my accounts obtained with my old mailing address and is now only reporting the four recently obtained accounts under my new mailing address. The irony of this is that I purchased a new home recently and that account isnt on my credit report and the home purchase is the address or my new mailing address. The representative told me that I would need to mail or fax in my drivers license, social security card, and a brief statement that I am who I am and what my previous address was and what my new address is. I have been through this for years with Equifax and every time I ask to speak to a supervisor and/or manager, they hang the phone up on me or disconnect the call. Their practice has been unethical and unfair to me as the consumer. I have worked extremely hard to get my creator to very good standings and every year I am met with adversity from Equifax. I have been stuck in XXXX, XXXX, for the last 16 months and the means in which they provide for sending in my information is not feasible from here.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX, Inquiry date, XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date, XX/XX/XXXX, XXXX, Inquiry date, XX/XX/XXXX, XXXX XXXX, Inquiry date, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/3023, I discovered an inquiry on my XXXX XXXX file from SENTRY CREDIT. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
Product: Debt collection

The company midwest recovery XXXX is reporting inaccurate information on my credit report and states that I owe a balance of {$110.00}. I have never received a notification from the merchant and this negative item is hurting my credit score. My Hippa rights have been violated and due to Covid-19 and my medical condition I'm on XXXX and can not afford to pay for items that not valid and are reporting incorrectly.
Product: Payday loan, title loan, or personal loan

There was a loan of {$2500.00} taken out from regional finance on XX/XX/2020 using my name, fake email address, phone numbers i do not recognize, and my accurate drivers license number. I was not aware until XX/XX/2020 when i checked my credit karma which I then disputed right away. I have made a police report, sent an affidavit I was asked to complete, and filled out paper work the loan office. I disputed the loan from my credit and it came back as accurate.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.