23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern : I have submitted disputes to XXXX over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit card

I had XXXX fradulent charges on my XXXX credit card ( managed Wells fargo ) for {$380.00} on XX/XX/year>. While these charges were still pending I called XXXX and notified them. They close the card and I filed for fraudulent charges. 

They rejected the claim stating that this was from XXXX, a company that I have auto pay monthly for my phone bills and since I regularly work with them, it can't be fradulent. 

I appealed, I included a statement ( via online chat with XXXX XXXX customer service that they did not request these payments ) and a police report ( incident # XXXX from XXXX police dept. ) And they still rejected my appeal twice over. 

After the first rejection, they refunded 1 payment but expect me to pay for the other charge. After appealing 3 times and getting rejections, I seriously find their decision making very poor and come to you to file a complaint and hopefully force them to take proper action with my claim.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting or other personal consumer reports

After sending multiple written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, NV XXXX; XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan, a credit card, and other accounts from XXXX with a balance {$370.00}, XXXX XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$250.00}, XXXX with a balance of {$3900.00}, XXXX with a balance of {$26000.00}. These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or collections. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm having trouble with Equifax. They showed my credit report on XXXX XXXX at almost XXXX one week and then in one week I checked it again and it showed XXXX. Anyway it dropped XXXX points without any reason in one week. I pulled a credit report and nothing had changed since I last checked it. I tried to get Equifax to tell me what happened or if something was wrong but all I got was there is no hard inquiries on your report and that I would have to purchase a copy of my credit score. I just ca n't comprehend why XXXX XXXX and XXXX has my score at XXXX but Equifax has it much lower. I do n't know if Equifax is trying to force me into purchasing a credit score or what!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to JPMCB - CARD SERVICE ( Date opened XX/XX/2012, Responsibility Authorized User ) I am kindly requesting JPMCB - CARD SERVICE agency to remove this collection from my credit reports as a gesture of goodwill, because the cardholder is no longer alive ... Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Lexis Nexis via mail and Portal complaint. I thank Lexis Nexis for responding via CFPB complaint because not only have you violated me personally through selling my personal information you had no authority/authorization/Consent in selling, but you have also violated me publicly as well. Via phone for the date XXXX you stated, that you spoke with me and resolved this matter. False and misleading because I never spoke with anyone from Lexis Nexis. Your records will be subpoenaed for that date to prove how corrupt your company is. The email you state you sent but did not receive a response of identification verification from me, shows all my documents replied through successfully. My documents included drivers license, current utility bill and social security card. Lexis Nexis entire response and reporting is predatory, even with federal laws in place they still take the chance to violate consumers rights.
Product: Credit card or prepaid card

SYNCB/WALMAR XXXX Opened : XX/XX/2017 Said " I should close it '' never asking for closure Meantime the card reports closed by bank when I am guessing that my call had something to do with this for the miss-understanding of what to do, which closed it and then had to re apply After I opened the newer card, I was issued a smaller limit, like the TJMAX trick they pulled on me. So I closed the account.
Product: Credit reporting or other personal consumer reports

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Product: Debt collection

ON XX/XX/21, XX/XX/21 and XX/XX/21 I have made several attempts and reached out to the reporting companies regarding s allege debt. I have mailed certified dispute letters in an attempt to validate this account with the creditor and verified with the reporting credit Bureaus and no one has provided me with any documentation to verify this debt. XXXX have send several automated-generated responses and XXXX and XXXX has completed ignored my requests.
Product: Debt collection

On XX/XX/XXXX I sent the notice below to XXXX : I have received a notification from the credit reporting agencies of a collection account related to fees associated with the apartment inspection I rented between XX/XX/XXXX and XX/XX/XXXX. The letter you sent related to the inspection stated that we had 30 days to respond your request ; we reached out to you via phone several times and were told that somebody from your office would contact us to go over items we were disputing. We never received a call from your office, even after follow up calls. 

I would like to get this matter settle and the collection item remove from the reporting agencies while avoiding legal procedures. If I do n't hear your office within 30 days from XX/XX/XXXX, I will file the necessary court documents to dispute the charges and have my credit report clean. You ( XXXX ) will be responsible for any legal fees including, but not limited to court filing documents and attorney expenses should I hire one to represent me. 

I can be reached at XXXX with any questions you may have. 

Thank you. 


XXXX Further, I contacted the XXXX XXXX hired by XXXX : Hunter Warfield, Inc.-XXXX, XXXX, FL XXXX - Sent them a letter on XX/XX/XXXX requesting validation and to dispute the debt and they have not contacted me as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX ( XXXX XXXX XXXX ) to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, Experian has called me twice and made threats and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues
Product: Credit reporting or other personal consumer reports

Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.
Product: Debt collection

On XX/XX/XXXX I applied for a mortgage that resulted in a credit report being pulled, and I was shocked to see a collection from Credit Collection Services in the amount {$1000.00} for a medical debt. Having had excellent health insurance in the past few years, and also not having been to the doctor in the past few years I was very upset to see this on my credit report destroying my credit score and rendering me unable to secure the housing I desperately need to secure for my family. 

On XX/XX/XXXX I contacted Credit Collection Services to inquire as to the nature of the debt, and they explained to me that this is for a XXXX XXXX unpaid bill from XX/XX/XXXX. Since I am in a very sensitive time crunch, I offered to resolve the debt instead of pursuing it with my insurance who should have paid it. They held steadfast in there position that they would not delete this account from my credit report, only update it as a paid collection. This is frankly unacceptable, as I later was informed by legal counsel that under the consumer protection statutes at both state and federal levels, that debt collectors must send out a first dunning notice allowing the consumer 30 days to dispute or pay the account before proceeding with additional collection efforts including credit reporting. 

On a follow up telephone call placed on XX/XX/XXXX, it was revealed that Credit Collection services had an incorrect address that they mailed the original dunning notice to, and in fact confirmed this when that original dunning notice was returned back to them by the Postal Service as undeliverable. The documented returned mail is coming from the debt collector directly, they admitted it. 

In addition, they also admitted that upon receiving the returned mail, the skip traced a new address that was also incorrect. It's clear that collection agencies are prohibited from submitting information to consumer reports if they have been notified that the information is inaccurate. They have a duty to operate fair and accurately. 

The first notice I ever received of this debt was on XX/XX/XXXX, where the communication came via the form of a credit report, and I respectfully request that my rights be respected and my time period of 30 days to dispute or pay this debt before any adverse remarks are placed on my credit report be respected and reinstated. I can not allow this account to remain on my credit report simply because I was not billed in a timely fashion, as this debt collector mailed a dunning noticed to an address from two years ago that was documented undeliverable, mail return.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hi, I have had a credit card with Capital One for a few years now and have always paid on time. However, i was hospitalized in XX/XX/2019, which resulted in a late payment reporting for XX/XX/2019. I am not disputing this debt, but I am asking for a goodwill adjustment. I have always paid on time and have continued to do so over the years. It was completely out of my control that I was hospitalized for a medical emergency and the payment was made late to the account.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. These inaccuracies are adversely affecting my overall credit standing and have a significant impact on my credit score. 
I recently obtained a copy of my credit report from your bureau and discovered several accounts that are inaccurately reported due to fraudulent activities. The presence of these fraudulent accounts is unjustly damaging my creditworthiness, and I am seeking a resolution to rectify this situation. 
Below are the details of the disputed fraudulent accounts : XXXXXXXX XXXX XXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
These fraudulent accounts have a direct and negative impact on my overall credit score, making it difficult for me to secure favorable terms on loans or credit. I believe that, according to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of inaccurate information from my credit report. 
I kindly request a thorough investigation into this matter and the prompt removal of the disputed fraudulent accounts from my credit report. I understand that, under the FCRA, you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX  Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX : XXXX accounts were opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint being filed towards Experian for incorrect reporting on XXXX XXXX  Account Verification information for proof that I XXXX XXXX XXXX is filing this complaint and it's not a fraud complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX Phone : XXXX Date of Birth : XX/XX/XXXX I have called and disputed this transaction with Experian and also thru the CFPB which Experian stated on both disputes that XXXX XXXX  account has been closed and does not report on my credit report which is a lie. Experian will delete the account and two weeks later will put the account back on your credit report and blame it on the creditor. I have contacted XXXX XXXX several time inquiring if they informed Experian to put the account back on my credit report and they said no. XXXX does not report monthly to Experian any longer due to the account is paid off in full. I spoke to the Vice President of Customer Service at XXXX  XXXX XXXX XXXX and she was the representative to inform me of the information I am providing. I am requesting Experian to remove and XX/XX/XXXX late payment reporting on my XXXX XXXX Account immediately. I have enclosed documents showing proof that the settlement check was cut, received and deposited by XXXX XXXX in XX/XX/XXXX. The attorneys I have hired from XXXX XXXX will fight legally with Experian to get the account removed permit but at this time due to the proof of payment in full to XXXX XXXX in XX/XX/XXXX I am requesting the late payment to be deleted immediately!