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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 6. The following personal information is incorrect Account Number : NAME : XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed these inquiries on my file with XXXX  XXXX  & Experian. I have sent out mail & called them numerous amounts of time. I have gave them more than enough time like 45 days I have been waiting for a response so now please remove this off my report I have no accounts or anything pertaining to these inquiries so why are they here man!
Product: Credit card

Wells Fargo that has a history of cheating people has cheated me out of XXXX. I closed this account in 2013 XXXX verified it and gave dates and times. 
I want my money back you over charged me for late fees and interest and committed fraud By keeping an account open that was closed and charging me late fees and interest on an account that you fraudulently kept open
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S code 1681e ( b ) and 15 U.s Code 1681i ( 5 ) this account is in severe violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? How is that I made no promise to make payments on this account and instead paid it through a settlement agreement and it has been reporting severely past due since 2017. This account, might I add was agreed to be deleted and was deleted only to be put back days later. This account/agency has misrepresented the date of status or last activity ( XXXX ) to re-age the account for any reason such 1. Attempting to modify the credit bureaus statue of limitations on reporting ( 7-10 ) 2. Attempting to modify my statues of limitations for a lawsuit 3. Attempting to increase score damage and coerce payment by making the debt appear newer in age Which are all violations of my rights. As a consumer, I request to know all steps your agency took to insure this item is 100 % accurate under 15 U.S.C & 1681i ( 7 ) Method of verification-Description of reinvestigation. Reporting act Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX. [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Checking or savings account

Over the past two years I have been charged XXXX  in unwarranted overdraft fees by Navy federal credit union
Product: Debt collection

After I have been in the dispute process since XXXX. Midland credit management in XXXX filed court documents to sue me. There are major in accuracies in this claim. Dates and amounts. XXXX is what was being claimed. This is not the amount from the original creditor XXXX XXXX. 

I sent this correspondence out to the MIDLAND on XX/XX/year> : See attached
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bank : account # XXXX XXXX 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

Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These inquiries have adversely affected my credit score and financial standing. 

Below are the details of the unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold and DELETED my mortgage account I had with them, account # XXXX without my permission to another lender, XXXX XXXX On my credit report it does not show a mortgage on all XXXX Bureaus, XXXX, Experian or XXXX. I am currently paying my mortgage and have never missed with XXXX XXXX or the new XXXX XXXX XXXX. This is a blatant violation of my rights & caused damage to my credit profile. FCRA ( 15.U.S.C 1681s-29a ) ) explicitly requires furnisher of information to accurately report data to the credit bureaus. XXXXXXXX XXXX 's arbitrary deletion of positive information constitutes reckless disregard for accuracy & is the cause for potentional unfair credit denials. By removing accurate & positive information specifically, my long-standing record of timely mortgage XXXX Bank has engaged XXXX XXXX practices that violates both the letter & the spirit of the law. Removing accurate positive history from my credit report without valid reason is not only inaccurate reporting but also a direct infringement of my consumers rights under 15u.S.C.1681 ( a ). FCRA Section 611 ( a ) ( 1 ) ( A ) I strongly request that this matter thoroughly investigated by the CFPB. The credit report agencies with XXXX, XXXX XXXX reinstate and post my positive credit history & provide verification of the information. 
Restore my positive credit history and post my new Mortgage with XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$0.00} XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

I never authorized this company to provide credit. Please remove from my trade line or provide me proof I signed and authorized these accounts to be opened.,, XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX Reported XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX
Product: Debt collection

Whenever I have a credit card someone uses it and the balance gets out of hand. The ending balance is usually twice the purchases I made and these include fees and interest. On all my credit cards I asked the companies to provide a reconciliation statement, how much principal, how much interest, how many fees and not one company gave me a statement. XXXX is notorious for identity theft. I tried working with these companies when the balances shoot up and use my skill in accounting ( took a college class ) and they WANTED me to ruin my credit. XXXX is behind this, I believe. We bought our house XXXX XXXX XXXX, XXXX XXXX with perfect credit and XXXX told me I had to go to XXXX of XXXX. They stood looking into our room and said, " This is very unusual, '' and managed to take over my accounts for the rest of my life. They have some kind of credit watch on my accounts and whenever I get a card they use it. Now I am hearing from Portfolio Recovery Associates on the phone every day. They call and do n't leave a message. This time I got the person 's name and number. I want to send them my phone bills for a year for this harassment. I pay for my phone and not for them for their business, crooked as it is. They should be arrested. Just now, XXXX XXXX a woman called just after XXXX. She said her number was XXXX. I want to dispute this on my credit report because the only way I knew to stop the identity theft was to stop paying my accounts to stop the thieves, thus ruining my credit.
Product: Debt collection

I have disputed this debt with Credit Collection Services and the credit bureaus and still have received no information at all from Credit Collection Services regarding this account! This is a violation of my rights according to the FDCPA and FCRA! You must help me with this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

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

Experian is reporting an account from XXXX XXXX that do not belong to me. Experian refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Experian failed to provide me in the dispute results ( XX/XX/2018 ) physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify this account belong to me. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

Experian is reporting a Chapter XXXX Bankruptcy in my public records. I have never file Bankruptcy and I believe I'm a victim of mistaken identity. Once again Experian will not conduct a reasonable investigation other than using their XXXX - XXXX system. They will not provide to me their method of verification that 100 % positively verify this Bankruptcy belong to me. I had a similar situation with another Bureau agency and after an investigation they deleted it from my credit file.
Product: Payday loan

I had a payday loan with CashNetUSA online about four years ago. I had to close my account due to other issues. I did contact CashNetUSA with my updated bank information but they never updated their system. I was sent to at least XXXX different collection agencies that threatened criminal action against me. This part ended about one year ago. 

Recently I received an e-mail from CashNetUSA stating I would be receiving a refund for XXXX. I received the check dated XXXX/XXXX/2016 for XXXX from Enova. When I deposited the check into my account it was returned for non sufficient funds and my bank charged me an additional XXXX dollars in fees. 

I live in Washington State. I have attempted to contact CashNetUSA through their website but it wo n't let me log in or update my password. I have attempted to call but the customer service rep I get has such a thick foreign accent that I can not understand him. 

I am not sure if I qualify for the legal action taken against Enova/CashNetUSA as I do live in Washington State and did so when the loan was taken. I am not a member of any branch of the military. I need to know why they would send me the refund check and then not have the funding in the account to cover the checks.
Product: Money transfer, virtual currency, or money service

Account verification for cryptocurrency exchange has not been verified after several days. Attempts at communication with customer support have not been responded to. 

All the required documents for the verification process have been sent. As it currently stands, I am allowed to purchase crypto but am not allowed to withdraw or send and currency until my account is verified. In other words, I am allowed to make purchases but can not withdraw or cash out my investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Equifax and XXXX XXXX  services corporate office to resolve this well over three months ago and XXXX promised that this would be resolved within 30 days and I received countless credit reports from Equifax stating the inquiries that are fraudulent have been removed when indeed they are still reporting to my credit report. I have to say that XXXX gave Equifax a slap on the wrist by congress with a Rather large class action lawsuit. CFPB if you recall Equifax had to stand before Congress admitted that three executives the CEO being one of them refused to tell the public about the security breach ( if you type in my information my personal information was affected and it still being affected by their negligence that was purposely made to ensure the main stock holders previous CEO and two other major executives sold their shares 3 days before they notified the public and I believe to avoid prison for such a dishonest act on the country that same CEO XXXX XXXX chose to step down. While that is great and the class action lawsuit is ok. What about Equifax and their commitment to complete compliance especially when Identification Theft is currently concerned. I hate to say that Equifax is still in it to be loyal to credit grantors at all cost even in my case I have sent police documents and per Equifax request they only want 3 items per FTC report XXXX So I have done just that, in fact I have sent documents to Equifax that I will be uploading here for your review. Response : Inquiries have been removed XXXX False because they are currently reporting XXXX or once we confirm with creditor we will remove. 

That brings me to XXXX XXXX Credit Cards this is currently my forth CFPB against both companies. XXXX XXXX advised me over two months ago that within 30 days of my last request that they will remove the fraudulent inquiries they have not done so. In fact what they did do is close an XXXX Account that was never discussed and I currently have a XXXX XXXX account that I am not reporting as fraudulent because recently I chose to open it maybe last week. I hope that you dont retaliate for reporting to CFPB ( Because if you do then I will have to get my attorney involved and file another report with CFPB and the state of Florida attorney general. 

In other words the recent XXXX XXXX Account opened by me is mine and so is the XXXX Account that you closed down after filling similar complaints. XXXX XXXX this really has nothing to do with you with the exception of Im asking you to intervene with Equifax to insure that these inquiries that are fraudulent get deleted. As of now I dont have an issue with XXXX XXXX  and I hope to have a relationship with you my issue was with Equifax Fax and Im hoping we can leave Equifax Fax with no more excuses as to why theyre not removing the following fraudulent inquiries. Thank you for your understanding and again please dont close my XXXX XXXX Account its not fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED AN ALERT OF MULTIPLE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED, ALSO THERES A COUPLE OF DISCREPANCIES IN MY INFORMATION.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require corrections and deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX-XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not 30 days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.