23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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Product: Credit reporting or other personal consumer reports

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

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. Transunion. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 and states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states " 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. XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they certainly do not have my written consent. Any and all consent to Transunion, XXXX, XXXX and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states " A financial 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 optionXXXX XXXX XXXX XXXX XXXX  has yet to inform me of my right to exercise my nondisclosure option. Furthermore, 15 USC 1681 ( 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 that the company is reporting without my permission which is against the law. 15 USC 1681 s-2 ( 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 USC 1681 e 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 '' Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states " 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

On XX/XX/2023, Victim of Identity Theft attempted a Private Right of Action with Respondent via Online Dispute Process. 
Perversely, Victim was not availed of any resources that would facilitate the relinquishment of the requested report. 
Respondent, via an XXXX XXXX XXXX, did receive Victims request for Documents and Opportunity to cure and refused to comply with the victims request. 
Victim contends that this action is violative of Victims Rights to The Prohibition on the Inclusion of Adverse Information Rule V. Victim states that respondents are causing irreparable harm to victim including, but limited to ; economic distress, loss of community status, emotional distress, mental anguish, loss of life, liberty, and the pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX, and Bank of America is reporting an account that is not mine. I have done several disputes with all XXXX credit bureaus and XXXX and XXXX have deleted the trade line but XXXX has not. The account number being reported is Bank of America # XXXX, opened on XX/XX/2006, and the balance is {$11000.00}. I have even filed a police report in the city of XXXX Texas and sent this to Bank of America but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home. I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report. Regards. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This is my official statement about the crime. The following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>. I have already contacted each company listed as an inquiry and they were not able to verify the validity of the inquiry or did not have any record of the inquiry. Therefore, there is no way these inquires are 100 % accurate. They are the result of identity theft and fraud. I am immediately and permanently deleting these inquiries from my credit report and file with Equifax Information Services LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax continue to allow XXXX  XXXX  to report incorrect and inaccurate information to their bureau stating I owe the {$1400.00} for car payments. I sent XXXX  and Equifax both a letter from the company itself as documented proof that XXXX XXXX closed this account in XX/XX/XXXX and that there was a XXXX balance owing and that the lien account was paid in full. This account was a car loan that was cancelled due to a repurchase by the manufacturer XXXX for an acceleration defect on the car, in which the dealership was not able to fix. This car was repurchased back under the California lemon law and I was due to be refunded back everything I paid towards the car : my down payment and the car notes. The amounts of {$1400.00} are not the amount for the two car payments I paid. The Car payments came to the amount of XXXX each for a sum of {$1200.00} ; so that also is an inaccuracy as far as these two bureaus reporting. I have sent in the proof attached to show that this account was closed and paid in full and the break down from XXXX XXXX as to what was credited and what was due to be refunded to me. XXXX XXXX was not supposed to keep the car payments ; I repeat, they were to be refunded to me. Ive been disputing this issue since XX/XX/XXXX and this company continues to report these inaccuracies. I never received the refund of the money I paid toward the car, and XXXX XXXX as well as, the dealership were refusing to accept my calls, therefore, I went through my bank to get my money back after providing the bank the same proof from the company, my bank deemed it enough evidence that there was in deed a refund owed to me by XXXX XXXX and the Dealership. Both XXXX  and Equifax continue to allow XXXX XXXX to report every month and tell me that as long as they are reporting every month, the account will show up on my credit reports. However, both XXXX  and Equifax still are ignoring that the information XXXX XXXX is reporting is incorrect and again not accurate with regards to this account is supposed to be closed and the amount they are reporting for the two payments they say I owe, doesnt equal the amount of the two payments I paid. Please read the attached documents from XXXX XXXX sent to me! XXXX  and Equifax are ignoring the documented letters and ledger I have provided to them which disputes XXXX XXXX information. The attached documents are from XXXX XXXX ; I am no longer responsible for this account because it was a repurchase by XXXX. So they need to contact the manufacturer if they feel they are to be paid {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly.

3. Incorrect Wrong Employer : My correct employers is XXXXXXXX XXXX XXXX XXXX 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I originally reported the account- XXXX XXXX XXXX ( amount {$4000.00} ) to the bureaus because I did not knowingly agree to XXXX timeshare putting a credit card in my name and charging it. XXXX removed the account, but Equifax and XXXX did not - due to the credit card company reporting as accurate. 

I contacted the credit card company on XX/XX/scrub>XX/XX/2024 and explained the situation. They closed the account and put it under investigation. I asked if I could receive something stating that the account was closed so that I can report to the credit bureaus. The rep told me I'd have to mail in a request for that, which didn't make any sense to me. I filed another dispute with XXXX and Equifax that the account was closed. The credit card company still reported the account as active. 

I called back on XX/XX/XXXXXX/XX/2024. They confirmed that the account was closed and stated that it would take 30 days to investigate. I asked why I needed to mail in a request for proof of account closure and/or investigation status. That rep to me I didn't need to mail anything. She confirmed my address and told me I'd receive something within 7-10 business days. I did not. 

I called back XX/XX/2024 and they first said a letter did go out. After repeating that I never received anything- she said they don't have a way of resending. I told her that made no sense. She then placed me on hold and came back minutes later to say that a letter was actually sent out on XX/XX/XXXXXX/XX/XXXX. When asked why it wasn't sent out on XX/XX/XXXX - she stated that the address wasn't updated. I told her that I've spoken to Noone from XX/XX/XXXX - to XX/XX/XXXX - so what address did they send to? She refused to provide an address. She then said she needed to transfer me to security so that they can get the correct address from me ( despite them already sending me a bill previously ). She also mentioned that the investigation may take 90 days. I told her that I was first told 30 - now she's saying 90. She said it takes up to 2 billing cycles, not exceeding 90 days. 2 billing cycle is 60 days - so nothing she said makes sense. 

She then transferred me to security, and I had to provide the address again. 

It seems as though I'm just being told misleading things. I haven't received anything regarding the investigation, and I don't understand why the company is still reporting the account as active to the bureau.
Product: Credit reporting or other personal consumer reports

I disputed several accounts on my credit report that do not belong to me, Equifax closed the disputes in less than 12 hours, I know that they didnt investigate properly because they would know that those accounts dont belong to me. I dont understand how you close an account without even looking into it, its like they copied and past what was on my report already
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX XXXX XXXX XXXX XXXX  under the account number XXXX, a Loan opened at XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an Auto Loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, a Loan opened at XXXX XXXX XXXX XXXX  under the account number XXXX, and a Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items ceased. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

I have been waiting to hear from NationStar Mortgage. I filed a complaint and they agree to respond by XXXX XXXX, 2015. To date there is no respond
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to now I have been in contact with Navy Federal Credit Union letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in hospice and they vowed to help me but as soon as I left the military in XXXX Navy Federal Credit Union repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with Navy Federal for almost 20 years and to get this type treatment is unsat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed this unauthorized fraudulent account from Discover Card. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
Product: Credit reporting, credit repair services, or other personal consumer reports

hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my XXXX XXXX  i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance