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

Under FCRA XXXX, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.
Product: Credit reporting

Initially I disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.
Product: Checking or savings account

The bank authorized a transaction for a company ( XXXX 's ) and then never showed it as taken out of my balance. This caused a chain reaction that caused over {$100.00} in overdraft fees or purchases totaling less than that through XXXX. I have never had a problem with this in the past, and always cover my balances. I never received a low balance alert, overdraft alert or any other of the several alerts I'm signed up to receive so I can correct the problem. Chase is stealing money from customers by the way they are posting transactions and that is not right.
Product: Vehicle loan or lease

I was joint on the car loan in the begin Exeter agreed to remove me from the auto loan prior to the repossession on behalf of the requested primary owner. I was no longer listed on this vehicle after full possession of the vehicle was the primary buyer. Please remove me from the auto loan and from my credit report inaccurate information. Exter has been calling and harassing me by phone with threating balance.
Product: Money transfer, virtual currency, or money service

My roommate ( XXXX XXXX ) sent me ( XXXX XXXX ) a check through XXXX for {$890.00} on XX/XX/year> which was taken out of her account but never put in my account. She banks through XXXX XXXX, and I bank through Bank of America. We have both been back and forth filing claims, and both banks have said they are not responsible. I had to pay all of the XXXX rent, so I covered her rent then. Now, it's been five months, and she is missing the {$890.00} taken from her account and I am missing the {$890.00} that I fronted for her rent. We are both recent college graduates working in our first jobs, so this loss of money is extremely burdensome. I have no idea how I am supposed to get the money at this point/who can coordinate between the two banks. Any assistance would be greatly appreciated.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 XXXX business days after the date of receipt.
Product: Credit card

My card was charged {$1800.00} at a business Ive never heard of ( XXXX XXXX ) early in the morning of XX/XX/XXXX while I was sleeping, as soon as I woke up I disputed the charges. The bank did not ask me to approve the transaction despite doing that for a smaller charge previously.
Product: Debt collection

I am filing a complaint regarding the credit bureaus ' failure to remove accounts associated with XXXX XXXX from my credit report, even though XXXX XXXX has formally requested their removal. 

Details of the Situation : Account Information : The accounts in question are related to my XXXX XXXX XXXX XXXX, with account numbers ending in XXXX and XXXX. 

XXXX Request : On XX/XX/year>, I received a letter from XXXX XXXX  stating that they have submitted requests to the credit bureaus ( XXXX, XXXX, and Equifax ) to remove these accounts from my credit report. 

Failure to Remove Accounts : Despite this request, the accounts remain on my credit report, and the credit bureaus have not taken action to remove them as instructed by XXXX XXXX. 


Impact : The continued reporting of these accounts is negatively affecting my credit report and financial stability, despite the fact that the original creditor, XXXX XXXX, has requested their removal.
Product: Credit reporting or other personal consumer reports

I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter services as my formal Round 3 dispute the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " account remains unverifiable '' Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXXXXXX XXXX XXXX for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that XXXX improperly marked disputes as frivolous or conducted superficial investigations that fail to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. 

As per the FCRA 611 ( 15 U.S.C 1681i ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

2. Notify the furnisher oif the disputed information.

3. Delete or correct information that can not be verified within the required timeframe.

Given the CFPB 's findings and your previous handling of my disputes, I am concerned that you have not fulfilled your statutory obligations. Let this lett
er serve as formal notice that I expect the following actions to be taken immediately : 1.Conduct a thorough and reasonable investigation into the disputed accounts listed above.

2. Delete or correct any unverifiable, inaccurate, or incomplete information.

3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

4.Send me and updated copy of my credit report reflecting any changes.

Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. 

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filling a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am theConsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated and removed from my credit report!
Product: Vehicle loan or lease

I paid $ 50k approximately for a used rental XXXX XXXX ; that is only reported being sold as $ XXXX ... Apparently the maintenance and detail purposely ruin the vehicle even more based off my readings and personal experience. Now after three days in the shop, they 've destroyed my interior, exterior, and engine! The interior they replaced the mats with older ones, stained them, stained the inside AND EVEN PULLED THE LEATHER!! I 'm the only person that sits in this car, there 's no way that just happened! The exterior now has numerous scratches that were not there! AND THE ENGINE NOW MAKES NOISE!! XXXX EQUALS FRAUD ABUSE AND WASTE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

I have an account listed on my credit report ned Southwest credit systems. It says the account was open on XX/XX/year> and the balance is {$550.00}. I have never had a XXXX account in my life. I am a recent graduate from college and I have never worked on my credit because I wasn't taught much. I recently have gotten interested in my credit and wondering what I can do to improve and I see all these random things on my credit. I have tried to contact XXXX but they keep asking me for my account information and I do not have an account so I don't know how to get in contact with a representative. The line eventually hangs up so I am not able to file a dispute through the company directly.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

This bank mistreated me and my applications I applied for a store macys credit card and was denied also a secured credit card to rebuild establish my credit history with them they deny me and their also suing me for a Llbean credit card I had with them in the past they sent it to an attorney they refuse to work with me directly
Product: Debt collection

I had sent two ( 2 ) Certified letters on XX/XX/2018 and XX/XX/2018 to XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX requesting them to send me a " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. Never heard from them nor gotten any correspondence back from them. Instead, I noticed that they had indicated on their remark section for XXXX  that " Account information disputed by consumer, meets FCRA requirements ''. XXXX and XXXX had not been reporting said collection account anymore. Since XXXX failed to produce requested documentations, I simply want them to completely remove said collection account. If needed, I can submit said copies of above mentioned Certified letters with respective return receipts. 
Lately, it seems like Resurgent Capital Services had join the fracas of sending me notice of trying to collect on the same item without involving any of the credit bureaus. 
Presently, only XXXX  is the only one still bearing said collection item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : TransUnion : XXXX : To : TransUnion, XXXX, & XXXX. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, TransUnion, XXXX.
Product: Credit reporting

XXXX of XXXX is reporting a {$60.00} collection through SouthWestern Credit System accoujt number XXXX. But file belongs to a XXXX who is the principal on account. This was from XX/XX/2014 account still exists for XXXX. The account is under XXXX credit file. I have written and called XXXX but have not been able to speak with anyone. WE are trying to pay the account off, to eliminate negative report, but XXXX refuces to provide evidence account is paid of with a letter addressesed to XXXX even though it shows against her on the credit report. No way to confirm payment as all docuemnetation wouold go to XXXX
Product: Vehicle loan or lease

I've made several requests that this company stop contacting me. I keep getting emails from them which do not provide an option to " opt out ''. They also ran a credit check even though I had not completed the loan application.
Product: Credit card or prepaid card

Gap has a past due payments for the month of XXXX and XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, XXXX Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and Experian Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. Experian was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX  Credit Bureau, XXXX  XXXX, and Experian credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX  XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute inaccurate and unauthorized information on my credit reports as a victim of identity theft. A collection account from XXXX has been repeatedly reported, despite this not being my debt. The continued presence of this fraudulent collection on my credit file has severely damaged my credit and caused significant financial hardship. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute and demand removal of any inaccurate or unverifiable information resulting from identity theft. The following provisions are applicable : 1. 15 U.S.C. 1681c-2 allows identity theft victims to obtain a block of any information in their file that was caused by the theft.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit bureaus to promptly delete items that are inaccurate, incomplete or can not be verified after a reasonable reinvestigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or have reason to believe is inaccurate.

4. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to modify, delete or block reporting of information that can not be verified as accurate. 

I have made numerous attempts to dispute and have this fraudulent XXXX collection account removed from my credit reports, including providing documentation that I am an identity theft victim. However, the credit bureaus and XXXX have failed to uphold their legal obligations under the FCRA. 

Enclosed are copies of my prior disputes, an identity theft affidavit, a police report, and other supporting evidence that this alleged debt does not belong to me. I am escalating this to the CFPB and demanding a full investigation to permanently block and remove this inaccurate collection account as an identity theft victim. 

If appropriate corrections are not made promptly, I will have no choice but to pursue further legal action against XXXX and the credit bureaus for willful, non-compliance with FCRA identity theft provisions. Please resolve this issue urgently. I look forward to your assistance.