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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Student loan

Hello : I have loans through XXXX and other providers, and filed Borrow Defense. I went to school and XXXX  XXXX XXXX XXXX and paid {$40000.00} plus so far to XXXX and through Federal Loans much much more. I was to receive a refund of the forgiveness portion from the Borrow Defense I filed through Mohela and XXXX and it was around {$32000.00} as I spent almost {$150000.00} on a XXXX for which no employer recognizes as valid since the school was closed down, so the degree is completely worthless. I have received one check for {$4000.00} for a XXXXXXXX XXXX XXXXXXXX settlement but that does nothing to help me figure out how I am going to pay my student loans or be compensated for a fake school. How do I find out if I will get some more of that to help pay this down and be compensated for this. I am on the XXXX XXXX XXXX due to the fact that nobody can tell me anything, I do not know where to go, on Mohela 's current site, I can not even make a payment on my current loan because there is some glitch and I get a canned response every day I eamil them but the interest continues to accrue every single day. This is absolutely ridiculous interest accrues and I have no way to pay and I am owed money for this counterfeit school. I am begging someone to please help me ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. TheXX/XX/XXXXaccount on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

N. Accordance with the Fair Credit Reporting act 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was dismayed after I ordered my Equifax, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

I need XXXX deleted from my credit report Opened XX/XX/XXXX XXXX {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates XXXX and equifax say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley.

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX XXXX, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of XXXX by not properly describing the benefits and limitations of its XXXX XXXX product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all XXXX credit bureaus to further show that XXXX XXXX has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX XXXX 30 days deliquiency in separate months on all XXXX credit bureaus XX/XX/XXXX XXXX Equifax and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 - received an email from XXXX XXXX XXXX about security breach and informing me that I can get free credit Protection from Experian. Do you know provided instructions for me to sign up with Experian online or over the phone. I tried to sign up online and reset my password, etc., but I was still receiving an error. 

XXXX I called the number on the email above to contact Experian. XXXX. I was on hold for nearly 30 minutes with no answer. 

XXXX in an effort to get hold of a person I called XXXX XXXX XXXX. That was the technical support business services. I spoke to a person named XXXX, who informed me that may consumers were calling to complain that they could not reach a person about problems signing up for Experian as well. He said he tried to contact a person for them to speak to, and he was unable to. He also informed me that he informed his superiors that this is a problem And told them that customers are calling him because they can not contact a person via all other avenues. 

He offered to transfer me to another number XXXX. However, no matter what option I selected, I could not speak to an individual- And there was no way this problem could be resolved without an individual because I had already reset my password, and that was the only option they were providing. 

I am an XXXX, and I am filing this Complaint because I am certain that other individuals are having the same problem that I am having. I will continue to raise this to legislators as well. I will post it on XXXX and all other social media so that people know this is a problem and file complaints. I will not stop until the problem is resolved.
Product: Debt collection

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections.

2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and DIVERSIFIED ADJUSTMENT SERVICE , INC . 

3 ) ALSO, DIVERSIFIED ADJUSTMENT SERVICES INC, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. 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 DEBT, I as the consumer never gave PRIOR CONSENT to DIVERSIFIED ADJUSTMENT SERVICES INC, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT ( XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding DIVERSIFIED ADJUSTMENT SERVICES INC, ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ), of the ( FDCPA ).

Any other communication going forward DIVERSIFIED ADJUSTMENT SERVICES INC, will be liable to me {$1000.00} each occurrence under 15 USC 1692k of the Civil Liability Section of the Fair Debt Collection Practices Act. 

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

I was contacted by ERC about a debt owed to them for another company XXXX XXXX. When I spoke with the representative I was told once collection was paid they will update and remove collection from credit. Instead it shows a charge off the negative reporting is affecting my credit score preventing me from loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX/XXXX,  XXXX, XXXX XXXX, XXXX/XXXX, Inquiries ; 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

I am writing to file a complaint on file for the violation of my rights by your company. This is not a new dispute to be placed. You have a grave responsibility to make sure that a formal investigation is conducted and if during the investigation any information not verified must be deleted. Unfortunately, I don't have confidence that you properly verified the alleged bankruptcy list on my consumer file. According to my consumer file and your website, all assumed public record source is the federal court and XXXX XXXX. 

I contacted the Federal Court and received a letter from the clerk that the Federal courts does not report to consumer reporting agencies. I contacted XXXX and received a letter that the alleged bankruptcy was not verified and was removed my XXXX report. Also effective XX/XX/2022 XXXX XXXX verified that all Public record information has been suppressed. So How did you conduct an investigation and verify information that is not listed with your sources? 

I have the right privacy and confidentially, you are in violation of 15 USC 1681i ( XXXX ) -Procedure in case of disputed accuracy section XXXX Treatment of inaccurate or unverifiable information. 

Attached are proof that the alleged bankruptcy is not listed with your public record sources.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX, AL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate. 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX  XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX Charge {$19.00} Goldman Sach Credit card ( Apple Card ) I initiated Chargeback request on XX/XX/XXXX for poor quality food undercooked and generally the worst I had seen from XXXX. I received a provisional adjustment on XX/XX/XXXX for the amount however Over 2 months and 2 billing cycles later there is still no actually amount that has been credited back to me as a refund that is part of my available balance contacted Goldman Sachs apple card service multiple times the 2nd to last time they reassured me it would be credited back back in days but never was then when i tried to contact them two weeks later got transferred around 5 times until so eventually gave up as I should not have to go through these hoops to get a refund they obviously messed up on this one and continually lied to cover it up as the only other chargeback i did with apple was resolved within the cfbp time period.
Product: Credit reporting or other personal consumer reports

I leased XXXX XXXX on XX/XX/XXXX for 3 years and turned it in on XX/XX/XXXX. Before I turned it in, they inspected the vehicle which happened when I was not at home. They did not find the user manual and the car charger which was actually in the car itself. The guy put that on the report and said if we turn in the charger and the manual when returning the car it will be fine, they will remove the note on missing parts and we dont have to pay anything. And, we returned everything with the car and the dealership where we returned even have a letter saying that they received it. However, the GM financial company keeps sending me invoice for {$1100.00} and even after multiple phone calls they are not resolving it. Now my credit is affected because of this. Please see the letter from the dealer attached that shows we returned the charger and manual.
Product: Credit card

My citi card ( XXXX XXXX ) charged me {$95.00} as annual fee in the last statement. I called them to cancel the card or down grade the card so that I don't pay annual fee. They agreed to cancel the card but says I still have to pay the annual fee. As far as I know, the rule is that if I cancel within 30 days of the last statement, the fee is waived. They are refusing to waive the fee. I paid so that my credit should not be affected. 
My credit card number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a consumer client of American Express since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

American Express is violating my consumer rights by reporting inaccurate data on my XXXX and XXXX consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to American Express in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and XXXX American Express if reporting my late for those two months. 

I have sent over the statements to American Express as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and American Express fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXXXXXX XXXX  statements to this complaint. Thank you and have a good day!
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiry : 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
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to your handling of disputes I have submitted regarding inaccurate and incomplete information in my credit report. These issues mirror the allegations made in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case No. XXXX ), and they have caused significant harm to my creditworthiness and financial opportunities. 
Specific Violations Failure to Conduct a Reasonable Reinvestigation Despite my dispute submitted on XX/XX/year>, XXXX XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation into the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX responses to my disputes have been vague and inconclusive, reflecting the same procedural inadequacies outlined in the CFPB lawsuit, such as over-reliance on furnishers responses and failure to verify disputed information properly. 
Failure to Convey All Relevant Information to Furnishers You have failed to provide all relevant information I submitted in support of my disputes to the original furnishers, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). This lack of due diligence severely compromises the integrity of the reinvestigation process.

Continued Reporting of Inaccurate Information XXXX continues to report disputed information as accurate, even when supporting evidence clearly demonstrates inaccuracies. This conduct violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 
Impact of Violations Your actions have caused significant harm, including : Denial of credit and less favorable financial terms. 
Emotional distress and reputational damage. 
Financial losses associated with higher interest rates and missed opportunities. 
Demands for Resolution To resolve this matter without further escalation, I demand the following : Immediate Correction or Deletion : Promptly correct or delete the inaccurate and unverifiable information from my credit report. 
Compliance Confirmation : Provide written confirmation of all corrective actions taken and an updated copy of my credit report. 
Damages : Compensate me for : Statutory damages of {$1000.00} per violation, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Punitive damages for willful noncompliance with the FCRA, under 15 U.S.C. 1681n ( a ) ( 2 ). 
Reimbursement of legal fees and costs incurred in addressing this matter. 
Next Steps If these demands are not met within 15 days of receipt of this letter, I will have no choice but to pursue the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Initiate legal proceedings to enforce my rights under the FCRA. 
I strongly urge you to address this matter promptly to avoid further escalation. Please send all correspondence related to this matter to the contact information provided above.