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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : 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: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I purchased a Vanilla Gift card at XXXX on XX/XX/XXXX. When I tried to use the card 30 minutes later the funds were already used. I contacted the company and they told me that I had to wait 8 days to file a dispute. I contacted them XX/XX/XXXX and sent them the requested packet of information. There has not been any response to my inquiries at their dispute resolution email ( XXXX ) and when I contact their customer service call center XXXX, they do not assist. They continue to direct me to the same email with no resolution.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX ] XXXX I am writing to formally request the correction of personal information on my credit report. Despite multiple disputes filed with your bureau, I have yet to receive any meaningful action. Instead, I continue to receive stall letters without any resolution. Below, I have provided the correct and accurate personal information for your records : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Occupation : Chief XXXX XXXX ( CEO ) Social Security Number : XXXX Date of Birth : XX/XX/year> Additionally, I do not wish to have my phone number included on my credit report. Please remove any phone numbers currently listed. 

I request that you remove all inaccurate and non-deliverable addresses from my credit report, as these are not reportable under the Fair Credit Reporting Act ( FCRA ). These addresses are not deliverable to me by the U.S. Postal Service and should not appear on my report.

Please find attached the letters I sent to each bureau as further documentation of my dispute. 

I trust you will address this matter promptly and in accordance with the FCRA. Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Opened a savings account on XX/XX/22. Initiated the ACH transfer for the minimum deposit. Have continuously tried to access my account to no avail. The system will not send me the factor authentication via text. Called and spoke with a bank representative on XX/XX/22. He stated I would receive an email. Still haven't received the email, therefore still can not access the account. I just want to ACH my money back to the linked external account. The bank is completely out of control. Had to sit on hold for hours just to reach someone. These are bait-and-switch tactics.
Product: Credit card

Chase continues to violate the SAPPHIRE Preferred credit card agreement between myself and themselves and provide the promised credit from an defective merchandise transaction using the chase card, that CHASE failed to follow-up on and provide resolution. 

Chase bank is negligent/fraudulent on lack of following established banking procedures to assist in resolving a report transaction dispute totaling {$200.00}. 
I report this issue to the disputes dept in XX/XX/2023, chase repeatedly promised me assistance and a credit for this transaction, and negativity impacted myself financially. 

The dispute resolution dept and supervisor informed me they " dropped the ball '' and did not follow-up correctly on this reported transaction. Chase offered me a " credit due to this chase mistake, which still after 2 weeks has not happened or been credit. 
Chase is very disorganized and not adhering to established Customer service SLA and procedures.
Product: Mortgage

Issues began at the beginning of this loan during the month of XXXX when I called to make sure I wasn't late on my first payment as I received a harassing call at my place of work indicating my account was past due. Please keep in mind I had just purchased this RV. When I called M & T to discuss this inappropriate phone call, they indicated their records reflected I had two RV loans with different payment amounts. They said this would be resolved and my payment was not due yet ... .they apologized for calling my work. I then made a payment on XX/XX/XXXX. Then when I applied for a mortgage in XXXX and the mortgage officer indicated I was denied because M & T bank had reported I had not made payments to them although I called and made one on XX/XX/XXXX. When I called M & T Bank, they indicated they did not have the correct bank account number so the payment did not go through, however, no one notified me of this issue. Payments are being taken out of my account without authorization. For two separate months, two payments have been taken out on the same day. On XX/XX/XXXX, {$420.00} was taken out of my personal bank account twice making a total of {$850.00}. My payment is only {$210.00} and I was actually making two payments, one for XXXX and XXXX. Instead, they took out {$850.00}, only returned {$420.00} which was confirmed by my bank, and have not credited my account for the initial {$420.00}. In my view this is stealing. My bank gave you {$420.00}, confirmed it and they are acting as though they never received it which is incorrect. They indicated I have not made a payment, whereas my bank confirms they have received my money. Therefore, monies I have paid have not been applied to my account and I'm receiving threatening correspondence every month indicating I'm 50 days past due which is inaccurate as reflected on my account statement. In XXXX, again, two charges on the same day but for different amounts were taken from my personal bank account which I did not authorize. I made a payment of {$220.00}, however, not only did they take the amount of {$220.00} but they also took the amount of {$210.00}. I reported this to them several times and nothing has been done. I have also attached collection letters dated 9 days apart stating different things which make no sense whatsoever. I have received multiple collection calls although I am not behind in my payments. I was told this would be taken care of several months ago and now there seems to be no resolution as I can't seem to get anyone to return my call. Additionally, I am unable to obtain any copies of statements off my account online even though it says they have them for the last seven years. Mine stop at XXXX and I am unable to reach anyone to obtain copies. I have reached my last resort and had no other choice but to reach out to the CFPB along with the Attorney General and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I 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

EQUIFAX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called creditor also called TransUnion Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on Transunion and got notification that it was deleted however 45 days later, it is still on my credit report. I am getting the run around from transunion in regards to updating my report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

Hello and Good Day, I reached out to Transunion Credit Bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The accounts are : XXXX XXXX # XXXX XXXX XXXX XXXX Transunion has not. Attached are copies of disputes letters that I have sent out as well as a copies of my fraud report ( I have sent 3 rounds of dispute letter and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling 3 letters ( attached is a copy of the third dispute letter and the certified ticket ). Because of this grave error it has cost me dearly with trying to buy a home as well as my job. None of the reporting agencies have done their job under the Fair Credit Report act ( all they responded saying was that XXXX  XXXX # XXXX, XXXX XXXX XXXX was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Thank you for your time in this matter. 

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

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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: Credit reporting, credit repair services, or other personal consumer reports

Midland indicates that they have charged off a account with XXXX XXXX on my credit report, but aren't accurately reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have equifax Remove this within 30 days or issue compensation. Based on 15 USC this should not be on my credit report.
Product: Credit card

XXXX XXXX XXXX XX/XX/year>XXXX  Notice to an agent is notice to the principal. 

Dear Discover, I appreciate your response to my concerns. However, your reply has failed to address the critical matter I raised. Specifically, I requested explicit proof that disclosures in compliance with 15 U.S.C. 1666b were mailed or delivered at least 21 days before the payment due date. This evidence could include, but is not limited to : A tracking number ; A receipt of delivery ; Any form of verifiable proof showing adherence to the statutory timeline. 

Your response instead emphasized other matters, such as my payment history, liability determinations, and reporting processes, without providing the requested evidence. This omission raises a significant question : Do you possess the proof that these disclosures were sent in compliance with federal law? 

Absent this proof, your claim of " accurate reporting '' becomes unfounded. Without verification, your refusal to correct the disputed late payments constitutes willful non-compliance with federal law, specifically under 15 U.S.C. 1681n. 

Once again, I am requesting the following : 1. Proof that the disclosures were mailed or delivered at least 21 days before the payment due date, as required by law ; 2. Immediate correction of the disputed late payments if such proof can not be furnished. 


Failure to provide the requested documentation within 10 calendar days will leave me with no choice but to escalate this matter legally. 

Please understand that this is not a matter of debate or interpretationit is a matter of compliance. Should you fail to furnish the requested proof, your continued reporting of these late payments will constitute reckless disregard for my rights under federal law, exposing DISCOVER to liability, including statutory damages, attorney 's fees, and other remedies provided by law. 

I expect your swift attention to this matter. Providing anything other than the explicitly requested proof will affirm that you can not validate your compliance. Please note that this will only strengthen my legal position and resolve to seek remedies. 

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

In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

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 U. S. C. 1681 section 602A -- -- states I have a right to privacy. 
15 U.S.C. 1681 section 604A section 2 -- -- 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

This is my 5th 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 XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX BV XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts still on my credit reports from Omni Financial. I was told by a credit agency I can report them and they had a case open. It looks like the case was closed.
Product: Student loan

I am currently enrolled in an income based repayment plan for my student loans. I asked to change to an Extended Fixed plan ( which is NOT income based ) on XX/XX/2023. I received a response on XX/XX/2023 stating the terms and asking if I accepted. I responded on XX/XX/2023 accepting the terms. 

I did not hear back so I emailed again on XX/XX/2023 confirming they received my email accepting the terms to change payment plans. 

On XX/XX/2023 they replied stating they would submit my request and to allow XXXX business days for the change on my account. XXXX days passed and the change was not made. 

On XX/XX/2023 I received another email stating my request had been submitted ( I had not emailed again ) and would take 30 days for processing. 

On XX/XX/2023 I called in asking for an update on when my payment plan would take effect in my account. They had no record of my request and made a note to change it. They said they resubmitted my request and it would take another 30 days to see it in my account. 

On XX/XX/2023 I received an email stating I needed to complete a form ( the XXXX XXXX XXXX plan request form ) and pay {$5.00} or more to exit my plan. There was no info. on where to make the payment and the form was for those XXXX an XXXX XXXX, not exiting. I replied to the email with these questions. 

I have not received a response and my account still shows my old plan which I can no longer afford and have told them this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at approximately XXXX PST, I received notifications that 3 credit card accounts had been opened in my name for XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these accounts to be opened, so I immediately contacted each of the credit card issuers to notify them of identity theft, and they all closed the accounts. I also locked my credit file with the credit reporting bureau Experian to prevent further identity theft activity.

Shortly after the incidents occurred, each of the credit card issuers sent me letters in the mail confirming that the accounts had been closed and that it was determined to be identity theft. I kept each of those letters and submitted them to the credit reporting bureau Experian in order to remove the 3 hard credit inquiries ( dated XX/XX/2023 ) that resulted from the fraudulent credit opening in my name. 

I first submitted this request to Experian in early XX/XX/2023 through mailed correspondence, and on XX/XX/XXXX, I received the results of my dispute ( report number XXXX ) which stated : " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. Since I disagreed with the outcome of the dispute, I used the online form to re-submit the documentation. This was done in mid-to-late XXXX, and the results for this updated dispute were available on XX/XX/2023. The report number was XXXX. Once again, the message stated : " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. '' In addition, an email was sent to me ( attached below ) which stated that an identity theft report needed to be included with the dispute. I submitted a police report with my local jurisdiction of the XXXX Police Department that included all of the information that Experian requested. That is attached below as well. 

Today, on XX/XX/2023, I received the results of the updated dispute. Experian continues to claim that the " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '', but to add insult to injury, they are now claiming my request : was based on a material misrepresentation, or, [ I ] knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 

This is after having to go through so many hoops with additional information requested. It seems to me that Experian is making the rules as they go along and are being extremely cagey about fulfilling my request to remove these clearly and obviously fraudulent credit inquiries.