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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the removal of this inaccurate late payment from my account. My payment history demonstrates consistent timeliness, and it is unfair for me to face consequences for an error beyond my control. I ask that you promptly correct my account to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I notified TransUnion about credit inquiries that I do not recognize or authorized on XX/XX/XXXX. I logged into the portal and they never opened up a dispute or even acknowledged that they were looking into the fraud. 

I do not recognize and I never authorized the following inquiries. I do not even have an account with them. I need these removed off my credit report immediately as they are not mine and I have never authorized them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed that Advantage Credit Inc. ( at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) placed an inquiry on my XXXX, XXXX, and XXXX credit report files dated XX/XX/year> for XXXX XXXXXXXX. I do not know of a XXXX XXXX and I have not ever had a mortgage loan with them. I did not authorize this inquiry. I have disputed this hard inquiry ; this XXXX XXXX XXXXXXXX '' inquiry should be deleted from my credit reports from all 3 credit bureaus. 

My mortgage loan was originally with " XXXX XXXX XXXX XXXXXXXX '' and was reported as an inquiry on my XXXX, XXXX, and XXXX credit files dated XX/XX/year>. I received a Loan Approval email letter from XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/year>. 

Overall, I have been dinged with 2 hard inquiries when I have only worked with 1 mortgage loan lender. I need to remedy this situation.
Product: Credit reporting or other personal consumer reports

I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXX DEPT OF EDUCATION Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX/ DEPT OF EDUCATION Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX/ DEPT OF EDUCATION Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX/ DEPT OF EDUCATION Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX Having incorrect information reporting on my credit profile that is misleading and inaccurate is a direct violation of FCRA 15 U.S.C 1681S-2 ( a ) ( 1 ) ( a ). 
This notice shows as a validation that this debt was discharged and should no longer be on any portion of my credit profile. Delaying the deletion or failing to do so is a direct violation of FCRA 15 U.S.C. 1681 Section 6 states, I have the right to privacy ( FCRA 15 U.S.C. 1681 Section 604a Section 2 ) states, a consumer reporting agency may not furnish a report without my written consent.

This serves as a notice that I have never given my written consent to have this information furnished in my report. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!

Failure to properly discharge this debt from my personal credit profile will result in a submission of this report to Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General 's Office, Better Business Bureau ( BBB ), and law enforcement within the next FIFTEEN ( 15 ) days if this erroneous information is not expunged from my report.

Your immediate attention to this matter is required.

I have attached verification that these accounts have been discharged but are still reflecting as if they are active on my consumer profile. 

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

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX XXXX Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 Western funding Llc {$6700.00} Columbia Debt Recovery {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to all three credit bureaus Experian, XXXX, and XXXX. Even the basics of my name are incorrect. There has been a variation of my name a middle initial of XXXX My middle name is XXXX. They have ignored my many requests over the course of a year of letters I send in asking them to update this. 

I also have many accounts that are misreporting, inaccurate, missing information in the accounts, inaccurate numbers, etc. How is it possible for them to verify any of these accounts if nothing has updated in over a year. 

I have sent letters on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 This is just this year alone. 

I need help because they are not responding, and my patience has been pushed beyond its limits.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with necessary proof of investigation.
Product: Checking or savings account

In early XXXX, XXXX I received three letters from Wells Fargo regarding their Checking Add on Package which I had not originally authorized. The letter gave their toll free phone number to call. I called their number at XXXX and I received three ( 3 ) reference numbers. Reference Number XXXX for a check payable to me in the amount of {XXXX. Reference Number for my partner. 
Reference number : XXXX payable to him for the amount of {XXXX  and also for my partner, Reference number : XXXX payable to him in the amount of XXXX I was told on several occasions that these Checks, Payable to myself, and my partner would arrive in 30 days, by XX/XX/XXXX. It is now almost XX/XX/XXXX and those 30 day promised checks have NOT ARRIVED as promised. They keep telling me that they are the in process and/or pending status. It is now going on XXXX months later and NO PAYMENTS HAVE ARRIVED. You can reach and call Wells Fargo at Wells Fargo Complaint phone number : XXXX. Give to them the three reference numbers. I demand that Wells Fargo mail these checks to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account with XXXX XXXX for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XXXX XXXX XXXX XXXX XXXX sent me new credit card. I start using credit card but I never received any bank statement from XXXX XXXX 
I find out from XXXX XXXX XXXX XXXX XXXX  that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX mobile application or did not receive statements. XXXX XXXX  gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX XXXX XXXXXXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than XXXX years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.
Product: Consumer Loan

I wrecked my XXXX XXXX in XXXX of XXXX and my insurance company total loss the car. My insurance company called Santander Consumer USA and worked out an agreement with them to do a settlement offer to payoff the balance and to release the title. Well Santander agreed to accept the settlement offer from the insurance company accepted the check from my insurance company and released the title to them. I received a letter from Santander on XXXX XXXX, XXXX stating that they are notifying me that Santander Consumer USA Inc. has provided the appropriate party with a release of interest document as required by the state, they also said they thank me for my business and they hope that I will consider using them again for any future financial needs. This letter basically stated that my account was paid off by the insurance company and they released the title to them. Well this letter was sent in XXXX, in XXXX I started getting collections calls at home, my cell. and at work. I have explain to them that I received the letter that the account was paid off by my insurance company and the car is not even in my ownership anymore, they released it to the insurance company. Santander is still calling and saying I still owe a balance of XXXX XXXX and some odd dollars. I need Santander to close out this account before any late fees are added and also update my credit report with all XXXX major credit bureaus, stating that the account has been paid and closed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter within the legally mandated timeframe of 30 days, as stipulated by the Fair Credit Reporting Act ( FCRA ). I sent a dispute letter to Equifax via mail on XX/XX/2023, challenging several inaccuracies present on my credit report. The disputed items include incorrect personal information, along with account listings for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite the passage of time since the submission of my dispute, I have not received any response or resolution from Equifax. This lack of action from Equifax is a direct violation of the FCRA 's stipulation that credit reporting agencies must respond to consumer disputes within 30 days of receipt.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company twice more than a year ago by phone inquiring about a letter I received about a debt that was closed and discharged in a settlement agreement. Upon calling, I was told on two separate occasions, that I do not have any collections accounts when I provided basic information. They said there was nothing in my name. Now they are reporting it to my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Product: Checking or savings account

I have not received my {$200.00} bonus for opening my account and making a {$500.00} direct deposit per the requirements. The 90 day wait period after the deposit has passed. See flyer attached for the promotion that I enrolled in and my offer code was XXXX.
Product: Vehicle loan or lease

Wells Fargo has failed to answer each Fact stated in the Affidavit of Truth they received from me in XX/XX/2021. I never stated I wanted an Affidavit of Truth from Wells Fargo. And I never stated that the Invoice was for violations of the Cease to Desist. The Invoice is for violations in the account that is being reported to the credit bureaus. Please see all documentation previously mailed to you by certified mail on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

Incorrect XXXX - XXXX - This the name that you use in your responses to me. I have attached your responses and who how INACCURATELY you report. It is super WRONG! 
XXXX is WRONG! 
XXXX is CORRECT!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 is ground for removal they have also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


Also the Credit Bureaus took more than XXXX  days to complete my investigation Confirmation # XXXX The account : XXXX # XXXX was deleted XXXX times from my credit report. Also put back on my credit report. I received a letter from Equifax, Confirmation # XXXX Stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. This a violation of my rights
Product: Student loan

My son XXXX XXXX XXXX XXXX last Saturday. He was attending XXXX XXXX College a few years ago. This college went out of business. Originally, this was a parent plus Federal Loan and then Navient took over the loan. We have {$5000.00} left to pay on this loan. I have been paying XXXX XXXX dollars a month on this loan. I called the company and they said I was responsible for this amount. Even though I have always paid on this loan every month, they upped my rate to {$130.00} a month and will not forgive the loan. I am grieving for the loss of my son and having to pay funeral expenses at the same time. I was hoping this company would forgive this loan, but were totally unsympathetic on the phone and are making me pay the loan off. This company is a predatory lender that takes over Federal Student Loans and charges parents for students who are dead. My next action is to take them to Small Claims Court if nothing can be done about this.
Product: Credit reporting or other personal consumer reports

I am submitting this report to address the severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX, TransUnion, and XXXX. Unauthorized accounts opened with XXXX, XXXX, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX constitute identity theft. Moreover, numerous FDCPA violations, including harassment, false representations, and failure to validate the debt, have been committed. Despite being informed, XXXX, TransUnion, and XXXX have failed to correct this misinformation on my credit report, damaging my financial reputation. I demand immediate action to rectify this injustice. 

XXXX, TransUnion, and XXXX are in violation of FCRA 1681 ( 2 ), mandating the immediate removal of fraudulent accounts. Furthermore, I have not given permission for XXXX, XXXX XXXX XXXX, XXXX, and XXXX  to furnish false information. Their unauthorized dissemination of inaccurate data violates my privacy rights. I urge prompt investigation and enforcement actions to correct these violations, uphold consumer rights, and prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information has been reported. 
Attached affidavit support my claims All debts are prepaid 31 U.S. Code 3123. Payment of obligations and interest on the public debt Its been over 30 days. 

Hjr 192 public law 73-10 Title 15 1692 E
Product: Debt collection

I have been asking for Validation of a debt that I was told I owed and in asking for validation I have yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. I have yet to receive validation of any kind as requested but I am still receiving letters from this company saying I owe something.
Product: Debt collection

Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing out going harm to my credit standings. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

M & T Bank has a 30 day late payment on my report for XX/XX/2017. This information is incorrect as I should have 100 % payment history on report. I reached out to M & T bank they could not pull my records the first call. The 2nd call I was told that they do not and can not remove the item. 

I would just like this incorrect info removed from my report