23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the account information reported to my credit file by XXXX XXXX XXXX in the amount of {$720.00}, which is stated to have been opened on XX/XX/XXXX. This account was neither opened nor authorized by me, and its appearance on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

To provide context, I have been closely monitoring my credit report following the widespread Equifax data breach. As a precaution, I locked all my credit reports in XX/XX/XXXX, ( Equifax, XXXX, and XXXX ) ensuring that no new accounts could be opened or reopened without my explicit approval. It is troubling to discover that this account was either fraudulently created or reopened without my consent. 

Under the FCRA, my rights as a consumer have been violated due to the unauthorized activation of my locked accounts. I did not grant permission for this activity, nor was I informed of any attempt to bypass the security measures I placed on my credit files. This incident reflects a failure to adhere to proper protocols and safeguards. 

I have reported this fraudulent activity to the appropriate authorities, including Equifax, and I request that XXXX XXXX XXXX promptly : Remove the inaccurate account information from my credit file. 

This situation has unfairly impacted my credit standing and subjected me to unnecessary stress and inconvenience. I expect this issue to be resolved promptly and in accordance with federal regulations. Failure to address this matter appropriately may result in further actions to protect my rights as a consumer. 

Please confirm receipt of this dispute and provide a timeline for your investigation and resolution. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I paid off my title loan with Advance America/XXXX online on XXXX/XXXX/2016. XXXX XXXX debited my bank account for the final payoff amount on XXXX/XXXX/2016. I went to Advance America today, XXXX/XXXX/2016, to retrieve my title and was told that the payoff amount was still being processed, one week after it was paid. I was not given my vehicle title and was told that I had to wait until XXXX authorized the release of it. 

This is not right. This is not fair. My bank account was debited on XXXX/XXXX/2016 for the final payment and there 's absolutely no reason why I can not retrieve my vehicle title on XXXX/XXXX/2016. This is an unfair business practice and XXXX should be penalized as allowed.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Entries on Equifax Report To Whom It May Concern, I am filing this complaint to request the removal of one fraudulent account and one unauthorized inquiry that remain on my Equifax credit report. These entries are the result of identity theft, as my personal information was unlawfully used without my consent. 

I have provided sufficient documentation, including an FTC Identity Theft Report and proof of identity, to Equifax. Despite this, the fraudulent entries have not been removed, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Entries on Equifax Report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifaxs Obligations Under FCRA : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Upon receipt of an identity theft report and sufficient documentation, Equifax must block the fraudulent information within four business days.

2. FCRA 611 ( 15 U.S.C. 1681i ) : Equifax must investigate disputes and delete inaccurate information within 30 days of receiving a dispute. Failure to investigate or correct inaccuracies violates this provision.

3. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Equifax is required to ensure the maximum possible accuracy of consumer reports. By continuing to report this fraudulent information, Equifax has failed to meet this standard.

4. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ) : Equifax must not include inaccurate or fraudulent information after being notified and must conduct a thorough investigation into the dispute.

5. FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) : Equifaxs failure to comply with the above provisions exposes it to statutory and punitive damages for willful or negligent noncompliance. 



Harm Caused by Fraudulent Entries : The presence of this fraudulent account and inquiry has caused : A significant decline in my credit score. 

Denial of credit applications. 

Emotional and financial stress. 


Requested Actions from Equifax : 1. Immediate Removal : Fraudulent account ( XXXX XXXX XXXX, Account No. XXXX ). 

Unauthorized inquiry ( XXXX XXXX XXXX  XXXX, XX/XX/XXXX ). 



2. Written Confirmation : A written statement confirming the removal of the fraudulent entries from my Equifax credit report.

3. Investigation Report : A detailed explanation of the steps Equifax has taken to verify and resolve this identity theft issue. 


4. Compliance Assurance : Assurance that these fraudulent entries will not reappear on my Equifax report in the future. 



Attachments : FTC Identity Theft Report Proof of Identity ( e.g., Drivers License and Social Security Card ) Failure to resolve this issue promptly will result in additional complaints filed with the Federal Trade Commission ( FTC ) and my state Attorney General. I also reserve the right to pursue damages under FCRA 616 and 617 for noncompliance. 

Thank you for your prompt attention to this matter. 

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

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account with several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX XXXX  at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a, section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

During initial contact with Equifax, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from XXXX XXXX. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted XXXX Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted XXXX again on XX/XX/XXXX certified mail as well regarding the same accounts. According to 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by TransUnion for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Lease Two-Year Payment History : XX/XX/year> : XXXX late payment ( erroneous ). 
Requested Resolution : I request that TransUnion investigate this error thoroughly, remove the inaccurate 30-day late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXXXXXX Owed : {$220.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX ; XXXX Balance Owed : {$0.00} XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm quite upset because I believe I'm being disregarded by your company, despite the fact that I've told you many times that the following items on my credit report are false and unverifiable, and I don't validate them at all.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information Reported by LexisNexis Dear Consumer Financial Protection Bureau, My name is XXXX XXXX I am formally disputing inaccurate and erroneous information that LexisNexis has reported about me. This information does not belong to me and is negatively affecting my consumer profile and my chances of getting approved for different credit products. Despite my attempts to resolve this matter directly with the credit bureaus and LexisNexis, they have failed to remove or correct the disputed information. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any inaccurate information on my consumer report. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information within 30 days. 
15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

15 U.S.C. 1681b Limits the permissible purposes for obtaining and using consumer reports. 


I request the CFPBs immediate intervention to ensure LexisNexis : 1. Conducts a thorough investigation into the disputed information.

2. Provides a written statement of findings and evidence supporting the accuracy of the information.

3. Removes any unverifiable or incorrect data from my consumer report.

4. Provides confirmation of the correction in writing. 

I have attached copies of my prior dispute correspondence, LexisNexiss response ( if applicable ), and any supporting documentation. 

Please advise me on the status of this complaint and the next steps. I appreciate your prompt attention to this matter and expect resolution in accordance with federal consumer protection laws.
Product: Checking or savings account

This company has twice prevented me access to my account online. They are preventing me from transferring funds to an external interest bearing account. Their system can not verify me and I have to go to a brick and mortar facility to prove my existence. They also are using my social security number as casual identification. This should be illegal to throw around my personal data. I already verified my existence when I opened the account. I shouldn't be pestered with continual proof of my existence. Their customer service is absolutely awful. Many times I am unable to hear what they are saying, they have foreign people with thick accents that are not understandable, and flagrant insistence that they control my money and will not allow me access to my own money. This company needs to fined and pay penalties.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX their failure to address and investigate inaccuracies in reporting on my XXXX, TransUnion, and XXXX credit XXXX. On XX/XX/XXXX, I sent a dispute letter to XXXX XXXX XXXX an investigation into the inaccurate reporting of an account that appears on all three of my credit reports. 

The account in question was included in a Bankruptcy XXXX and should not be reporting negatively. Despite all payments being made on time according to my payment history, XXXX has XXXX to update the reporting on my credit reports accordingly. 

From XXXX, it is evident that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows payments made on time from XX/XX/XXXX to XX/XX/XXXX, with no further data available. TransUnion is not reporting any payment history at all. Furthermore, there are discrepancies in the payment status reported by each credit bureau TransUnion is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " charge off, '' and XXXX is reporting as " Included on Bankruptcy. '' In my dispute letter, I specifically requested XXXX to XXXX detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX 

On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, XXXX has XXXX to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX XXXX of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXX for their failure to investigate and correct the inaccuracies in reporting on my credit reports.
Product: Mortgage

I have a mortgage with Chase bank for a co op apartment unit with a {$65000.00} balloon payment due XX/XX/XXXX. I have made monthly payments with no delinquency for ten years towards repayment of this loan. 
Reached out to Chase bank in spring of XXXX to initiate steps to refinance but was told they were not taking loan applications due to being preoccupied with processing PPP-related loan business. 
Reached out again In XX/XX/XXXX to attempt refinancing of the remaining balance on the existing mortgage. After several weeks of working with the Chase banker, the Chase banker advises me on XX/XX/XXXX that the bank would require an appraisal of the apartment. I was told by the banker that the appraisal fee is {$3500.00} ( non-refundable ) and it would be completed 3 weeks after the appraisal is scheduled implying that there would be no time for underwriting a refinance of the balloon payment. 
Despite stellar credit, plenty of collateral and full cooperation with the bank, I have unable to refinance the remaining balance ( {$65000.00} ) on the mortgage.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I made a purchase at Marshalls of {$11.00}. The clerk asked me if I wanted to upgrade my current account so I said yes. It was approved and I seen the amount of {$500.00} on the receipt. ( My current account has a credit limit of {$300.00} ) so ok I thought that was my upgrade. Yesterday XXXX XXXX, 2017 I receive an invoice separate from the other one I just paid for {$11.00}. I called TJX this morning and asked to cancel that account and was told via a recording that all my accounts would be closed so of course I said no. Then I asked to speak to someone because I never received a card for this new account that I did n't even apply for. An upgrade is not a separate new account an upgrade should refer to your existing account. Why did n't they just raise my credit limit on the current account. Its easy to spend {$500.00} you do n't have. This is fraud as far as I am concerned. And, if I closed my accounts they would want the total amount owed which I do n't have.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .Equifax and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX. Box XXXX XXXX Texas XXXX account XXXX ( XXXX ) XXXX A federal law, the Fair Debt Collection Practices Act ( FDCPA ), says that a debt collector is not allowed to use unfair practices to collect a debt. I am seeking legal remedies as I feel the debt collector for this or other violations of the Fair Debt Collection Practices Act ( FDCPA ) This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt. 
I have contacted you several times to correct my credit and reporting the inaccuracies. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Mercedes Benz agreement number Installment account XXXX paying a MONTHLY PAYMENT {$100.00} per month auto debited. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature accepting the installment payment agreed upon to report to the XXXX bureaus. As this information is not only deceptive practice reporting paid/close with a reporting a balance and in addition accepting payment auto debited out of my checking account ending in # XXXX. 

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, drivers license, W-2, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted and my payment history supported by Mercedes Benz and reporting the original new balance as agreed after the car was auctioned {$8700.00} and agreed monthly installment payment. 
If you are unable to verify the account with the signed installment agreement, the information should be removed from my credit report within 30 days or reported accuracy paid in good standing. 

Thank you, XXXX XXXX
Product: Debt collection

XXXX from TSI called from XXXX, saying he is collecting a ~ {$22000.00} debt i owe to XXXX XXXX from XX/XX/2019, and how would i like to pay this debt. that's impossible, as i've never bought anything from XXXX, and never bought anything for that much money. obviously a scam.