23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I reviewed a copy of all 3 of my credit reports, Experian, XXXX and XXXX credit reports where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on this account, but that is not accurate. I have already spoke to the creditors who state that I have not been late on these accounts and that i should contact the bureaus responsible. I contacted all 3 bureaus by phone and submitted disputes but they have not responded!! This misleading data is causing great harm to my credit score and its detrimental to my financial well being. As I am aware by researching consumer laws, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error.

4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to obligor.

5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Experian, XXXX, and XXXX are violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681.

In addition, Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement ofPAID/PAYS AS AGREED, NEVER LATE.

These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan. I currently serve this country in the XXXX XXXX and it seems unfair to me that these bureaus are allowed to placed erroneous data on my credit reports!!!
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax investigation did not fix the unathorized XXXX XXXX XXXX hard inquiry.I never once authorized XXXX XXXX XXXX to pull my credit for anything.Equifax response in there investigation was to call XXXX XXXX XXXX.Thats not the response i was looking for.Therefore, I never authorized XXXX XXXX XXXX to do a hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted complaints numerous times about inaccuracies on my credit report and they refuse to properly investigate and remove the inaccurate accounts. This will be their last chance before I file a lawsuit. I have multiple records of the complaints and proof of inaccuracies I submitted numerous complaints through the cfpb website to have them investigate the following accounts XXXXXXXX XXXX XXXX XXXX Us Dept of Edu .The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian, XXXX, and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX Balance Owed : {$15.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$110.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$280.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$140.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - JOB Incorrect Name : - XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 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/XXXX
Product: Student loan

While attempting to look into the Public Service Loan Forgiveness program, I was given advice to consolidate my student loans via Naviant which in turn, made me ineligible for the program.
Product: Credit reporting or other personal consumer reports

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 ...., 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 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 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 information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2023, I went to Best Buy located on the XXXX XXXX XXXX XXXX XXXX XXXX to purchase various items. While inquiring about an application for a credit card that can only be used in the store, the representative filled out an application and informed me that I qualified for {$5000.00} of credit. I specified multiple times that I wanted this card for the 10 % reward promotion on my first purchase, which is why I bought {$4900.00} worth of merchandise that I urgently needed for work. When the representative completed the transaction, he informed me that instead of a 10 % reward, I would receive only 5 % and that not all items qualified for the promotion, despite initially stating that all items did. He offered me two options - 12 months interest-free or 5 % reward- and I chose the 10 % reward. However, he then informed me that I could only apply for the 5 % promotion and that it was interest-free for 12 months. He assured me that I would still receive all the rewards for my first purchase even if I paid everything before the 12-month period. I asked him twice to confirm this information, and he said it was true. I believed him and made the purchase. 

On XX/XX/2023, I contacted customer service about a defective item and asked about the reward information. The representative informed me that I would not receive any rewards because I had chosen the 12-month interest-free option. I explained the situation to every employee I spoke to in hopes of getting some assistance, but none of them could help me. Their solution was to return everything and redo the transaction, but I would no longer qualify for the 10 % promotion. This is unfair because I went to Best Buy specifically for the 10 % reward promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reporting this before to Equifax and got no response. I have a police report and affidavit on file. 

Affidavit of Demand XXXX XXXX XXXX XXXX OF XXXX XXXX OF XXXX The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item to be error. 


Creditor Name : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Opened : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Assistance Department, I am currently a victim of Identity theft and I want to opt out all my personal information on your data base and website ( s ). Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts Remove any charges on the unauthorized account, and Take steps to remove information about this account from my all files I still have not received written confirmation of these actions. I recently learned that my personal information was used fraudulently. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on your data base/website ( s ) I will be left with no choice but to file a lawsuit that you are violating my rights and how Its affecting my ability for employment or buy a home. 


I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX I declare that, to the best of my knowledge and belief, the information herein is true, correct, and complete.
Product: Credit card

Applied for SCRA got denied because the debt was obtained while in XXXX XXXX Im XXXX XXXX in Louisiana and its a state law to cap interest rate at 6 %
Product: Student loan

I am appalled at their continued unethical, immoral attempts to collect alleged amounts of a debt that we have discussed for 15 years and I dont believe I owe and cant pay. I have applied for forgiveness so we are waiting. They know all of this. It has been a while then today on XXXX XXXX I received a threatening letter. 

Any debt I owe is due to them misguiding me and they admitted years ago I should have filled out different paperwork. 

They were only to send emails no phone calls and no letters.this is documented and they always have my correct email. 

So they broke the agreement and I believe that means I do not have to make any further efforts. I filed a report with XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXtion 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Student loan

I filed for temporary PSLF in XX/XX/XXXX. Mohela picked up my loans in XX/XX/XXXX and counts stopped in XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were missing. I tried numerous times to ask them to recount and they didn't. Finally on XX/XX/XXXX, I was able to speak with a supervisor. She stated they were 'just missing like no payments were made. '' However, I made payments in those 4 years. I had automatic deductions from my bank account. She then left me a message on XX/XX/XXXX stating that she submitted an 'escalated spreadsheet to FFA XXXX on XXXX XXXX XXXX XXXX and to 'allow for about 30-60 business days for any adjustments. ' I called couple of weeks ago and the supervisor would not speak with me but relayed a message through a rep that they hadn't received anything. I checked my counts today, XX/XX/XXXX and nothing has changed.
Product: Debt collection

Please note on XX/XX/2019 PMAB LLC received my first request to validate and verify accounts which they have reflected on my credit. They responded on XX/XX/2019 with just an itemization which was not what I requested. I sent a second notice on XX/XX/2019 requesting validation/ original contract with my signature. The same response as the first request was sent dating XX/XX/2019. Again this is all itemization with no validation that this debt belong to me as there are no signed or original documents. 

I am requesting since PMAB LLC has not been able to verify/validate any of the debts they are reporting to me for almost 60 days that they Stop reporting immediately to the credit bureaus as this is having a negative impact on my score. 

I am also copying the credit bureaus on this and requesting they immediately remove these accounts from my report as it is clear there are no validation documents.