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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability f
or willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any d
ebt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

Inquiries due to identify theft/fraud. Equifax did not help or remove hard pull inquiries after sending letters and correspondences. 

DATE OF INQUIRY COMPANY ADDRESS XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a XXXX late payment on an account ( XXXX for XX/XX/year> ) when I in fact paid on time. There is no XXXX late payment in XX/XX/year> so a XXXX late payment in XX/XX/year> is impossible. 

The consumerreporting agenciesneed to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint ( see XX/XX/year> ). I am now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updatedto 'paid on time ' immediately. Thank you for yourunderstanding and prompt action in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Calling from XXXX area codes and not letting me put them on a DO NOT CALL OPTION. When I pressed the # 2 it took me straight to a human and I asked who gave you this #? He said your wife and hung up. Now I blocked that # but it will just be a different one another day. I thought the US GOVERNMENT put a stop to these harassing calls??? I tried to call the # back and it wasnt a working #.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards which would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should comply with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX ( PREVIOUSLY DISPUTED ) ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT # XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT MULTIPLE TIMES 1.YOUR PROOF OF PROCEDURE OF INVESTIGATION WAS NEVER PRESENTED 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2.MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME THAT WAS NEVER PERMITTED BY ME 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies i have provided all information needed for this company to do a proper investigation .the company has failed to do proper investigation and it has been more than 30 days i have attached my IDENTITY THEFT REPORT as well also company stated in CFPB respond that the debt was sold to another company!

this is all false n misleading representation! USC 1692e BY FAIR CARES ACT LAW THE CREDIT BUREAUS XXXX XXXX AND TRANSUNION ARE I VIOLATION OF THE LAW ALSO XXXX XXXX, XXXX ARE IN VIOLATION OF FAIR CARES ACT LAW DELETE THIS FRAUD ACCOUNT NOW. THANK YOU XXXX XXXX Code XXXX - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, pocedure, and certification for payments 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 USC 1681 E ( B ) & 15 U.S. Code 1681c THIS ACCOUNT MUST BE DELETE ASAP
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express charged me a late free in XXXX for allegedly missing a payment. However, I got an email confirmation that says I submitted a payment on XX/XX/XXXX XXXX payment is due XX/XX/XXXX. ) I attempted to contact American Express using my account 's online web portal but there is no way for me to dispute this charge ( unlike other charges which provides an easy link ). I attempted to call them, but have been disconnected or put on wait endlessly. This is most likely due to the COVID-19 situation. I was charged a total of around {$45.00} in late and interest fees.
Product: Student loan

I have attempted multiple times to communicate with Navient and receive some help in discussing my repayment options since  XXXX     2015  when I graduated. They forced me into a 10 year repayment without consulting or helping me through it. I have felt really confused and sort of pushed since I graduated with them and now that I saw they were in a lawsuit I realized maybe they could have actually been helpful had they approached my situation the correct way. I would have liked to have my repayment plan discussed with me and I am now a little worried that I am going to be end up paying more than I need on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/AMAZON XX/XX/2020 I did not authorize a credit pull from Amazon. I do not recognize this credit pull. I do not have nor have I ever requested a credit line with Amazon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. On XX/XX/XXXX I submitted a complaint about this case XXXX & they states that they could not locate me in the Experian system but still reports fradugelent accounts after I have requested they delete the fraud information.
Product: Student loan

There are two student loans that are on my credit report that do not belong to me. I have disputed it with XXXX XXXX and there was no changes. I have disputed it with XXXX XXXX and there was no changes. I have tried to call the company multiple times and the phone number doesnt even seem to be a real phone number where I can get someone on the phone. These student loans are not mine and I want them taken off of my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Debt collection

ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian XXXX and XXXX for failing to properly investigate and validate a disputed XXXX XXXX collection account on my credit report. Despite multiple requests, the credit bureaus have continued to report this debt without verifying the accuracy or validity of the information provided by XXXX. 

**Background : ** XXXX. **Disputed Account Information : ** - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Amount : {$860.00} - Date Reported : XX/XX/XXXX XXXX. **Failure to Validate Debt : ** Since XXXX, I have repeatedly requested from XXXX XXXX a proper validation of the alleged debt. XXXX has only sent me random, non-itemized phone bills, which do not meet the legal requirements for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested specific information that was never provided, such as : - A copy of the signed contract or agreement creating the debt. 
- A complete itemization of charges. 
- Proof that the debt is within the statute of limitations. 
- Documentation of any transfer or sale of the debt, including the name of the current owner. 

XXXX. **Disputes with Experian XXXX and XXXX XXXX ** I have formally disputed this XXXX XXXX collection account with the credit bureaus multiple times, yet they continue to report the debt as verified without providing any evidence of its validity. Credit bureaus have not conducted a thorough investigation or requested sufficient documentation from XXXX. As a result, the inaccurate collection continues to damage my credit score. 

XXXX. **Inaccurate Credit Reporting : ** The credit bureaus refusal to properly investigate and verify the disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). Their failure to remove this inaccurate collection has caused significant damage to my credit profile and financial standing. 

XXXX. **Impact on Military Family : ** As a military spouse, I am particularly vulnerable to the financial consequences of incorrect credit reporting. This inaccurate reporting has caused undue stress and negatively impacted my familys financial well-being. 

**Relief Sought : ** - I request that all three credit bureaus remove the XXXX XXXX collection account from my credit report immediately. 
- I demand that the credit bureaus conduct a full and proper investigation, requiring XXXX to provide all legally required documentation to validate the debt. 
- I seek compensation for any damages incurred as a result of the credit bureaus failure to investigate my disputes properly. 
- I request that all debt collection and reporting activities cease until full validation has been provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the actions taken by XXXX, Experian, XXXX and XXXX XXXX XXXX XXXX XXXX regarding the sharing and reporting of my private information, which I believe flagrantly violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other pertinent statutes. According to Section 602 ( a ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies such as XXXX and Experian, XXXX, are obliged to carry out their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Furthermore, Section 6801 of Title 15 of the United States Code emphasizes that financial institutions, including XXXX XXXX XXXX XXXX XXXX, are under a continuous obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information. As delineated in Section 604 ( a ) ( 2 ) of the FCRA, consumer reporting agencies may furnish consumer reports solely upon the written instructions of the consumer to whom the information pertains. I have not furnished written consent for the dissemination of my information by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX or Experian. Consequently, any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, Section XXXX ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. XXXX XXXX XXXX XXXX XXXX, has neglected to provide me with this crucial information, thereby depriving me of the opportunity to exercise my right to opt out. Moreover, the dissemination of adverse information without my explicit permission, as stipulated in Section 1681C ( a ) ( 5 ) of the FCRA, constitutes a clear violation of federal law. XXXX and Experian, and XXXX. are reporting adverse information without my consent, which is in direct contravention of legal statutes. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, while Section 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. XXXX, XXXX and Experian, are failing to comply with these essential requirements, as evident from their actions. Furthermore, in accordance with 12 CFR 1016.7, I hereby exercise my unequivocal right to opt out of your reporting services. I demand that all reporting activities pertaining to my account be ceased with immediate effect. Moreover, I would like to bring to your attention that, as per 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of these grave violations of my rights as a consumer, I demand that XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX XXXX take prompt and decisive action to rectify these transgressions.