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

Hello, Can you please do this investigation within 4 days. 

As you can see I have disputed info and no one has done the investigation and they added more info to my credit profile. I also reached out to naviet and they don't hold none. 

Please see attachment for letter I have sent. 

XXXX Reporting I have sent over 4 dispute letters to the credit bureaus for reporting the wrong information for my student loans that are reporting. They are listing that my student loans are late. I sent over letters explaining that none should be reporting late. When I dispute each credit bureau added to my credit profile of loans that has been closed and transferred to another lender. The put old student loan on my account that hurt my score. 

XXXX Account # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX they have listed twice on my credit. - in the comments they have it as " Account transferred or sold Student loan '' with XXXX late payments reporting back from XXXX and I looked up during covid based on XXXX XXXX Transunion They are reporting this account is late during covid which I was in a hardship and loan was in forbearance period. No late payment could be reporting. Based on the cares act. They are also reporting this account has been paid. My loans has been DEFERRED and my loan servicer is XXXX see attachment. 

XXXX XXXX XXXX XXXX XXXX XXXX FCRA Reference : The FCRA is codified at 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( F ).

CARES Act Reference : Public Law 116-136, Section 4021.

CARES Act Section 4021 : Title : Credit Protection During COVID-19 Statute : Public Law 116-136, Section 4021 Amendment to the FCRA : The CARES Act temporarily amends Section 623 ( a ) ( 1 ) of the FCRA During the COVID-19 pandemic, the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) amended the Fair Credit Reporting Act ( FCRA ) to address how credit information is reported during the pandemic. Specifically, Section 4021 of the CARES Act includes provisions that impact how creditors report late payments to credit bureaus. 

I also asked for mt personal information to be updated correct I do not know what address are these as I NEVER LIVED AT THIS ADDRESS. I only have one address and what is reporting below is wrong and I want deleted. 

XXXX XXXX XXXX PREVIOUS ADDRESSES XXXX XXXX XXXXXXXX, IN, XXXX PREVIOUS ADDRESSES XXXX XXXX XXXX, XXXX, NJ, XXXX Inquiries are reporting wrong I didn't apply for ay of theses companies. I have asked for the companies to investigate this info and no one has gotte back with me I want these items removed. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

I recieved a settlement check for medical bills for less then I could have recieved but because I needed to pay my bills i accepted the low settlement. Then when i took my check to my bank they put a hold on it which was fine because they stated that it was just so they could verify the funds. The other bank has paid them the money and the branch who put a longer hold then required according to the call center refuses to lift the hold even though they have my money. Now they wont close my account or give me my money. I deposited the check on XX/XX/2021 in the bank and they recieved the funds on XX/XX/2021 or sooner and they refuse to give me my money till XX/XX/2021 even though they have it and its not their money
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor are these names and addresses listed on file. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT authorize any inquiries that 's on my credit report. Any inquiries from XXXX 2017 until now are NOT mine and need them removed from all credit reports Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX  XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

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

I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX****
Product: Checking or savings account

On XX/XX/year>, my wife and I went to the XXXXXXXX XXXX XXXX branch to open a checking account in preparation of our retirement and move to XXXX to take care of my elderly mom. We wanted to open the account so we could set up all our automated payments before moving to XXXX. 

We did open a checking account on XX/XX/XXXX. The bank also linked my VA pension to the bank account that day. We received emails for paperless enrollment, SSN confirmation and debit card order confirmation. 

On XX/XX/XXXX, I set up a connection from my XXXX account and transferred {$5000.00}. The funds were transferred to the checking account on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email with a letter stating our address change to XXXX was accepted. 

On XX/XX/XXXX at XXXX, I received an email from Chase stating that To help protect against fraud, we restricted and may need to close your account soon. The number provided was XXXX. I called the bank at XXXX on the XXXX. In that call a person from the bank said they had to close my account but didnt give a reason. 

I called another bank customer service number ( XXXX ) XXXX at XXXX pm and XXXX to see if I could get an explanation. On the XXXX call the bank employee stated the account is restricted and additional review was needed and then stated the bank can not maintain the account and that the bank would close the account and send me a check for the {$5000.00} I had deposited via XXXX XXXX It was only during this call that I found out that the fraud department was involved I was talking with someone from the fraud department. 

That was the last time I tried to call the bank.
Product: Credit card or prepaid card

Union Bank Credit Card Fraud Department is 100 % in violation of Federal Banking Regulations to delay Fraud Claim filing process and REFUNDS up to over 30 days or XXXX months delays, as they have merged newly with XXXXXXXX XXXX 

Because of their merge, they fell behind on Claims. I worked with XXXX XXXX bank and I am fully trained and aware of Federal Banking Regulations. I had to call daily XXXX  times a day for over XXXX weeks BEFORE they would even finally not drop calls. Not XXXX call was returned by Fraud department in over 27 days. I also note that I worked under a STATE LICENSED INVESTIGATOR, XXXX XXXX for over 7 years in an Apprenticeship and worked with DA/Attorney and our specialty is FRAUD. 

XXXX have an Online Auction website and there is a PHONY COPYCAT website that is online and I did not notice till too late as it looks exactly like the XXXX website. I received an EMAIL to confirm from the XXXXpartner that is it a phony fraud website and it is not their website and many have contacted them about the phony site. 

UNION BANK CREDIT CARD DIVISION IS NEGLIGENT UNDER FEDERAL LAWS TO REFUSE TO PROPERLY PROCESS REFUNDS FROM FELONY FRAUD CASES. 

Phone Number : XXXX Dept Head : XXXX - refuses to process/no call backs Fraud Dept - no calls backs - will not take evidence emails Agents stated it will be over 30 days or more before funds from Felony Fraud are refunded if not more as " the Fraud Department is too far behind '' ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquire does not belong to me
Product: Credit reporting or other personal consumer reports

I was able to provide a 100 word comment regarding a disputed collection account on the other two credit bureaus, but have been unable to do so with Experian. Its not possible to do so online with Experian and I was unable to speak with a person even after trying 5 different phone numbers. I have a right to provide a comment but have been unable with this credit bureau. This is unacceptable.

They also have my name spelled incorrectly, which could create a serious problem for me when attempting to obtain credit. They have my name listed as XXXX XXXX. The correct spelling is XXXX XXXX.
Product: Debt collection

I have been receiving literally dozens of calls for the last few weeks, day and night. They are from many different phone numbers, many with a XXXX, FL ID. Here are a few of them : XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, and more. They are asking for someone I do not know. I looked them up and see that they are a debt collector named sequium that I know nothing about and I have no debt myself, I never have. Every time I have been called by a debt collector over the last 50 years, they were always, always, always looking for someone else that I have never known. Now they are still calling me and my caller ID says : No Caller ID. They called me at least five times in the last few hours with the No caller ID showing on my mobile phone. They are harassing me!
Product: Credit reporting

On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decreased 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.
Product: Mortgage

Since XX/XX/XXXX I have had a mortgage loan with Bank of America. On or around XX/XX/XXXX I contacted the bank to request a lower interest rate and the bank indicated that my only option would be to refinance. I submitted my application at that time with the bank 's offer to reduce my APR from 4.785 % to 2.785 % and our monthly payment from {$770.00} to {$580.00}, however, after more than two months of requesting an excessive amount of documents, XXXX different loan officers, and a {$470.00} application fee, the bank decided to close my application because of " Excessive obligations in relation to income '' and I was told that I would need to start all over if I wanted to apply again. The refinancing was based on my income alone, same as the original loan, however, my wife worked and continues working full time as a teacher, nearly doubling our household income, both of us have excellent credit and have not missed any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am complaining in two parts, firstly capital one is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to capital one and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with XXXX XXXX and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.
Product: Credit reporting

On XX/XX/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BEST BUY/CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Validation of Debt and Related Legal Authority ( DATA BREACH ) Dear XXXX, I am writing to formally request information and documentation related to an alleged, account or debt you have reported or are attempting to collect. This letter is issued, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal laws.

1. Authority to Collect Under FDCPA Please provide validation of your authority to collect this alleged debt, including but not limited to : Documentation showing your legal right to collect this debt.

Evidence that you are the owner of the debt or documentation of your authority as an agent to collect on behalf of the owner.

2. Authority to Report Under FCRA I request written evidence of your legal authority to report this alleged debt to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). Specifically, provide : A detailed explanation of how this reporting complies with FCRA requirements.

Documentation that verifies the accuracy of the information reported to credit bureaus.

3. Promissory Note and Securities Compliance If there is a promissory note related to this account, and its maturity date is beyond nine months, I request that you provide documentation supporting your authority to possess or be in possession of what may be considered an unregistered security. This request is made pursuant to any applicable federal laws, including but not limited to regulations enforced by the XXXX XXXX XXXX ( FCC ), the Internal Revenue Service ( IRS ), or any other federal authority.

4. Securitization and TILA Compliance If this account has been securitized, I request, under the Truth in Lending Act ( TILA ), that you provide the following : All documents, including pooling and servicing agreements, related to the securitization of my account. 
Any related filings with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Documentation evidencing compliance with all applicable TILA provisions regarding disclosure and transfer of the account.Please note that this is a formal request for validation and verification. Until all requested information and documentation is provided, I dispute the validity of this debt and any related reporting. Any failure to comply with these requests will be considered a violation of applicable federal law.

You should ALREADY HAVE, if you're the Secure Party Creditor in the contract. It took longer the last time and I didn't receive ALL DOCUMENTS.

I expect a response within the legally 15 DAYS mandated time frame. Failure to provide the requested information will result in further legal action to enforce my rights under federal law.

Thank you for your prompt attention to this matter. I look forward to your detailed and documented response.

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

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Product: Debt collection

They call me 3 times a day and leave me voicemails regarding collecting money. This account has been closed since XX/XX/2020. I never opened this account myself. The constant calls are causing unnecessary stress while Im trying to work. I have tried 2 times to ask them to stop contacting me and to remove this and have not heard from anyone. I never even received notice of debt collection or verification of debt.
Product: Credit reporting or other personal consumer reports

I'm really upset and puzzled to find unauthorized inquiries on my credit report tonight. I check my report often, and these discrepancies suddenly appeared out of nowhere. I refreshed my browser, thinking it might be an error, but the inquiries stayed. I urgently ask that my documents be carefully reviewed so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXXXXXX XXXXXXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX