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

Request for Blocking of Information Under FCRA Section 605C** Dear [ Credit Reporting Agency ], I am writing to formally request that specific information be blocked from my credit report, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), due to my situation as a victim of debt bondage related to XXXX XXXX 

In support of this request, I have provided the required documentation as outlined in the Trafficking-Debt Final Rule 1022.142 ( b ) and as specified by the Consumer Financial Protection Bureau ( CFPB ). The enclosed documents include : - A government-issued photo ID.

- A current utility bill in my name.

- A letter from an advocacy organization that verifies my status as a XXXX  of XXXX XXXX debt bondage under Rules 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

Please take action to block this information within the XXXX business days required by law. 

Sincerely, XXXX XXXX
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, including XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, The Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, XXXX collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filing a complaint about the incorrect addresses " XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX, XXXX, NJ XXXX '' listed on my TransUnion credit report. These addresses dont belong to me, which violates the Fair Credit Reporting Act ( FCRA ) that requires accurate credit reports. 
Also, my current employer, XXXX XXXX, appears on my XXXX report but is missing from TransUnion. I need this information updated to show the correct details. 
These mistakes are frustrating and increase my risk of identity theft. Im asking for the immediate removal of the incorrect addresses and for my current employer to be properly listed. This will help protect my financial records and avoid future problems.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Identity Theft Report Number : XXXX Subject : Complaint Against Credit Reporting Agencies for Failure to Remove Fraudulent Information Due to Identity Theft Description of the Issue : I am filing this complaint against credit reporting agencies for their failure to properly block and remove fraudulent information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft and multiple data breaches, including those involving XXXX XXXX XXXX, Equifax ( XXXX ), XXXX ( XXXX ), and Experian ( XXXX ). As a result of these breaches, my personal information was compromised, leading to the opening of fraudulent accounts in my name. 

I have made multiple attempts to dispute and remove these fraudulent accounts from my credit report, yet the credit bureaus have not taken the necessary actions required by law. Additionally, I was informed by multiple representatives that I was unable to access my credit profile, further supporting my claim of identity theft. Despite my numerous requests, my personal information has not been updated, and the fraudulent accounts remain on my credit file. 

Violations of Federal Law : The credit reporting agencies have violated several consumer protection laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.


15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Requested Resolutions : I am formally requesting the following actions : Immediate Blocking and Removal of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2, all fraudulent accounts appearing on my credit report must be blocked and removed immediately.

Update Personal Information : My full legal name should appear as XXXX  XXXX  only.

All outdated and irrelevant addresses must be removed from my report. The only valid address should be : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Remove all phone numbers currently listed on my report. 

Remove my Social Security number and date of birth from display on my report for privacy reasons. 

Delete all employer information currently listed under the " Employer '' section. 

Provide Method of Verification : The credit bureaus must provide the method of verification used to validate the disputed accounts, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Security Freeze and Fraud Alert : I request that my credit file be placed under a security freeze and extended fraud alert to prevent further fraudulent activity.

Written Confirmation of Removal : I demand written confirmation once these fraudulent accounts, inquiries, and inaccuracies have been removed from my credit report. 

Supporting Documents Enclosed : Copy of my government-issued ID Copy of a recent utility bill ( proof of address ) FTC Identity Theft Report ( XXXX ) Police Report detailing identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, My name is XXXX XXXX and I'm inquiring in removing the AKA 's ( Also known as.. ) names erroneously reflecting my credit reports. Experian is reporting an AKA as : XXXX XXXX XXXX which is extremely incorrect. XXXX  is also reporting the following erroneous AKA names as : XXXX XXXX, XXXX XXXX, XXXX, XXXX I am demanding for these AKA 's to be removed IMMEDIATELY, they DO NOT belong to me, and neither am I going to let them remain on my credit report. Nothing has been done about this matter, please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was taken care of with the property management XXXX XXXX XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by Procollect collection agency. I called procollect and told that debt was paid and they contacted the company it took procollect 2 months to update to my information to state I do not owe any money to either XXXX XXXX XXXX or Procollect. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$350.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance {$190.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$480.00} 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 had a junior mortgage that was discharged ( not-reaffirmed ) in bankruptcy in the mid-XX/XX/XXXX. This mortgage was originally owned by another loan servicer until XXXX  XXXX XXXX acquired the company. From the mid-XX/XX/XXXX to XX/XX/XXXX, this account has been on my credit report as an open account, included outstanding debt, and a thirty day late notice. I recently learned this practice is not allowed and constitutes multiple FCRA violations. 

Once I disputed these problems, Ocwen started cleaning up the credit reporting, but there are still longer term ramifications for these violations, like higher interest rates on vehicles and homes. 

I am currently working towards an amicable resolution for their willful negligence on the handling of my account. If we can't come to an accord, I may take direct legal action against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit score dropped 35 points. NO explanation. I have years of " on time payments '', no late payments reported. No one can explain the damaging 35 point drop is/was related to. I want the answer, but all 3 credit bureaus are of no assistance and not willing to provide clarity as to the 35 point drop. I have worked very hard to maintain good credit and timely payments to those companies. Is there any guidance that you may provide? I am not dealing with XXXX XXXX, I don't need them. Please advise.
Product: Debt collection

I received a letter from Medicredi asking for immediately payment from a medical bill Customer # XXXX Account XXXX Creditor name XXXX Family hlth As soon I get the letter I sent back response asking for validation or any proof that I own the debt, more than 15 days later I received other letter from them telling me that I have call them back because they need more information from me,, Definitely they failed to validate this debt with the amount time permitted by law, I don't have to provide any other information to them, they should have all necessary information if they are trying to collect a debt..
Product: Checking or savings account

Back in XXXX there were some international transactions that were not authorized by me. The bank issued provisional credits due to the issue. This is where my unemployment is direct deposited. It took XXXX to receive my unemployment, then once I get it, the bank took the {$250.00} it had credited me XXXX months ago. 

I contacted them, but they indicated that no one had made any notes, so they had no clue why the funds were taken. Im legally XXXX. They claim they sent me something, but they never did, I need. That money back in my account. 

See this institutional states clearly states that they do not allow international transactions. These were transactions that were made in XXXX. This was clear fraud. I thought it was handled. 

But its not, no one I talk to knows either.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. Furthermore, under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no person shall 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. Additionally, according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

Truist is not reporting my credit card to XXXX. This effects my credit score standing when I try to get credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a formal dispute letter to Experian via XXXX certified mail ( tracking XXXX XXXXXXXX ) to address inaccuracies on my credit report. To verify my identity, I included comprehensive documentation, such as a copy of my photo ID, Social Security card, and a recent bank statement showing my current address. According to XXXX tracking, Experian received my dispute letter on XX/XX/XXXXXXXX XXXX XXXX 
On XX/XX/XXXXXXXX XXXX XXXX I received an email from Experian stating : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Experian 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation. 
I am including a copy of my dispute letter sent to Experian along with Experians response as proof.
Product: Debt collection

Mountain Run Solution has threatened and called stating that I owe a debt that was given t them by XXXX XXXX XXXX dated back from XXXX. Mountain Runs previous Statement under Consumer Compliant # XXXX stated that they bought a debt back in XXXX from XXXX. I have told this company that I was not living in washington during this period however, they have continued their aggressive tactics and threats. They have now went back in and reported that the account was open in XXXX and illegally run my credit report without my consent. They attempted to offer me to settle a debt at {$300.00} that was not mines to began with. Now,, I want to see the contract that was date opened in XXXX ( Stating 4 months past XXXX ) that they just report to the credit bureau today XX/XX/XXXX. This is legal, unlawful and validated the Fair Credit Reporting Act and something needs to be done with this Company and the female employee who continues call and harass people even after being told not to call my number gain.

This information needs to immediately be remove from Credit report. I will not pay even .10 cent regarding this illegal debt.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX