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

The dispute process with Credence began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). Credence did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. Credence failed to provide any of these. To date, they are currently reporting this entry on XXXX and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for XXXX to send a fully updated, current report to me that reflects this outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called XXXX XXXX XXXX Equifax, XXXX and XXXX and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from Equifax indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

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

For several months my credit report has been reporting inaccurate information across all three credit reporting agencies. Specifically the date of last activity, but there are several other pieces of information reporting incorrectly on these accounts. The FCRA clearly states that credit reporting agencies must report only accurate information and that banks rely on that accuracy as well as the consumer. It specifically states that information reported must be accurate, complete, and verifiable across all three bureaus. I have included screenshots of my credit report that clearly show reporting inaccuracies. These inaccuracies have been shown and disputed with the named credit reporting agencies several times and they willfully verified the accounts as accurate and did not change or update any of the inaccuracies in question. 

On XX/XX/2021 I sent a letter to TransUnion, XXXX, and XXXX regarding the following accounts : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

On that day I also sent a letter to XXXX and XXXX regarding the following account : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

All of the credit reporting agencies named above verified the false information as accurate which is a violation of the law. This is willful non-compliance and negligence as well as false credit reporting. I know it is my right to sue in court for these violations and be compensated {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent 20 Credit Dispute Letters to Experian and 14 Credit Dispute Letters to XXXX regarding inaccurate information on their credit reports regarding XXXX XXXX Bank and they have refused to conduct an independent investigation to delete the inaccuracies. 

I have only received 31 letters from XXXX XXXX Bank stating, " In your correspondence, you did not indicate what specific information you were disputing or requesting to verify. '' That is a verifiable false statement just by reviewing the attached 34 credit dispute letters.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/1984. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit, loans. XXXX XXXX XXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.
Product: Debt collection

OnXX/XX/XXXX I called XXXX XXXX about a collection that was placed on my report in the amount of XXXX. I tried explaining to a representative then a supervisor that this same collection was removed from my report by XXXX XXXX on XX/XX/XXXX. The account does not belong to me and the original creditor ( XXXX ) previously has stated that they did not assign a collection with my info to a collection agency. This company has placed a bogus collection on my report that they do not own and when I asked for validation I got the run around. This company is also very shaky and unprofessional. I was on hold for 2 hours, hung up on etc just to get an account number
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  - G Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX Inquiry from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and FCRA Violations by Credit Reporting Agencies Complaint : Upon reviewing my credit report, I discovered the following unauthorized inquiries : TRANSUNION XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 
Request for Action : 1. Immediate Removal of Unauthorized Inquiries : These inquiries were made without my authorization. I request that the credit reporting agencies immediately remove all unauthorized inquiries listed above from my credit report. 
2. Compliance with the FCRA : Under the FCRA, the credit reporting agencies and creditors are required to ensure that the information on my credit report is accurate. The unauthorized inquiries on my report violate this provision, and I demand compliance to maintain accurate and fair reporting.

3. Stop Collection Activities : I request that all collection activities related to any fraudulent accounts tied to these unauthorized inquiries be stopped immediately.

FCRA Violation - Permissible Purpose : According to FCRA Section 604, a company must have a permissible purpose to access a consumers credit report, such as my explicit authorization or a credit application initiated by me. 
These inquiries were made without such permission, and I believe this is a clear violation of the FCRA. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these unauthorized inquiries and hold the credit reporting agencies and any related companies accountable for violating the FCRA. 
Requested Resolution : Immediate removal of all unauthorized inquiries from my credit report. 
A full investigation by the CFPB into this violation of the FCRA. 
Ensure that the credit reporting agencies comply with the FCRA to maintain accurate information. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account.
Product: Debt collection

After reviewing my credit report on both Experian and XXXX  i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Collection Details : Company : XXXX, XXXX XXXX. Date : XX/XX/2019 Amount : XXXX
Product: Checking or savings account

When depositing 2 different checks on XX/XX/XXXX bank manager XXXX XXXX stated they could not deposit my payroll check because it was dated for the XXXX XXXXXX/XX/XXXX however they could deposit my XXXX check this is after they had already deposited both checks then reversed the transaction and just deposited my XXXX check when I asked what the difference in the 2 checks was as they were both dated for the XX/XX/XXXX she said the computer must not have caught that and they could reverse the transaction and give me my check back I told them no they already had the check to keep it and drove away I called to make a complaint on XXXX XXXX because this bank has told me that they could deposit the checks a day early and I have been doing so for years when the phone was answered and I stated I was calling to make a complaint on XXXX XXXX she let me continue told me I could not speak to anyone else as she was the end all be all I asked her name and she said XXXX XXXX well I said I am complaining about you how is that even right I know this complaint will not be addressed I called the customer service line and filed a complaint requesting a call back still have not gotten a call back I received a letter in the mail on XX/XX/XXXX stating they had decided to close my bank effective XX/XX/XXXX I called the customer support line again trying to figure out what was happening I have had this account with this bank for 25 years for them to close the account without any explanation was beyond me customer support said they would have someone call me back still have not received said call went to the other branch asked to speak to someone about the manager at the other branch and I spoke to a lady named XXXX and she brought in a man by the name of XXXX XXXX they left the room came back and said that they were gon na close my account didnt matter what I had to say or how long I had my account I said ok but I am not finished I will make another complaint about an hour later I am sitting in the XXXX XXXX and XXXX XXXX calls me and said we are going to go ahead and close your account today I said the letter says the XX/XX/XXXX he said he didnt care they were closing it that day and would send me a check this left me with access to no money just after depositing a XXXX check and direct deposit of my husbands check the account showed my car payment and other payments pending with that amount being deducted from my availability already then looked this morning and all those pending payments were returned and now I have no money and my bills were returned and I have to wait on a check to come so I can re pay said bills needless to say I am beyond mad all because I questioned the difference in the 2 checks or that is how I feel anyway because I cant get an answer from anyone I need to see about getting a complaint addressed against this bank ASAP I feel that they did this to cover their mistake and were upset because I questioned them about it I want my money returned so that I can make these payments over again with all these returned fees I would like compensated for Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  authorization of large amounts with no funds avaible and no debit card in hand from previous fraud documented and card was not even actives by me Wire transfer done under my name and account did not get refunded Checks were aroows by text check and somehow someone else cash a check and it goes through that was for lawn care not in my handwritten and signature off way off. 
Chase credit card fraud and no physical card in hand and notified this problem serveral times in the last 2 mo cashing out more than my avaible alloted cash allowance to persons commuting fraud XXXX has my accounts load up to system before o even get in hand and fraud being done Victim XXXX XXXX accused of fraud all pmts I made legit to him. 
Account in XXXX chase card ended in XXXX not mine Thank you for you time XXXX XXXX Former XXXX  XXXX and XXXX  XXXX unique identification number documented XXXX  XXXX XXXX XXXX Louisiana Last $ $ n XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times before and reporting discrepancies, my financial institution and Zelle failed to investigate my claims and concerns adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. I am beyond disappointed with the way this situation was handled and hope that you will handle this issue with care. The lack of accountability and transparency is very unacceptable and needs to be handled immediately. This raises serious red flags for consumer safety.
Product: Debt collection

Received notification about a collection account from Midland Credit Management. Did not receive validation that the debt belongs to me. 

This company is in violation of the FCRA reporting standards.