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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agencys, 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 personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 # ( XXXX ) 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: Debt collection

On XX/XX/XXXX I received a call and letter from a company called Optimum Outcomes from XXXX, North Carolina. In this call and letter they maintained that I was delinquent on a debt for {$380.00} to XXXX XXXX XXXX XXXX XXXX XXXX. I asked that they document this debt. In the response that followed they referenced a bill that I paid in XX/XX/XXXX for {$470.00} including the {$380.00} that they claimed was delinquent. ( attached ) After sending a letter with this proof of payment and a request to clear this from their records, they sent a follow up letter whereby they neither confirmed nor denied that the debt had been paid. They are now calling me again for the same {$380.00} that they claim is due. XXXX is showing a XXXX balance due for my account and acknowledges that the amount has been paid, which shows either that XXXX sent the bill in bad faith to a collection agency after it was paid or that these people know the bill is paid and don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I did not apply for this. Can someone please take a look at this and see if it's identity theft? 

Note : This email was sent to you by Synchrony Bank, the issuer of your Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.
Product: Credit reporting or other personal consumer reports

Your agency is in violation! 
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 XXXX  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.

Delete this at once!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Portfolio Recovery ( Acct # XXXX ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Portfolio Recovery, a debt buyer, has engaged in false and misleading practices and has provided misleading forms. They are also reporting this closed account as " late '' .Despite my request for a debt validation letter, they have failed to provide it, along with the purchase agreement from the original creditor, chain of title, and cancellation of debt.

According to FDCPA Section 807, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Portfolio Recovery has violated this provision by engaging in false and misleading practices.

Additionally, FDCPA Section 812 states that it is unlawful to design, compile, and furnish any form knowing that such form would be us
ed to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Portfolio Recovery has violated this provision by providing misleading forms.

Portfolio Recovery has violated 15 USC Code 1681S-2 & 15 USC Code 1692g
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXXXXXX XXXX XXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. 

These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. 

Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. 

Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. 

Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX XXXX 2 : Tapestry Overbrook Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. 
I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. 

Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. 

Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. 

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

Subject : Formal Dispute of Credit Reporting XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and dispute regarding inaccurate and misleading information reported by XXXX XXXX XXXX on my credit report. The information provided below does not accurately reflect the circumstances of my account, and I am requesting your assistance in investigating this matter and ensuring compliance with federal credit reporting laws. 

Details of the Disputed Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan ( Joint Responsibility with XXXX XXXX ) Date Opened : XX/XX/XXXXXXXX  Reported Status : Charged off ( {$16000.00} written off ; {$16000.00} past due as of XX/XX/XXXXXXXX  ) Original Creditor : XXXX XXXX XXXX XXXX Grounds for Dispute : 1. Charge-Off Reporting : The charge-off and balance information ( {$16000.00} ) is being reported inaccurately. Under 15 U.S.C. 1666b and 15 U.S.C. 1681s-2, creditors are required to report only accurate and verifiable information. I have not received sufficient validation for this debt or evidence justifying the charge-off amount. 

2. Repossession Reporting : The account history indicates a repossession in XX/XX/XXXX, but the vehicle was redeemed. Per UCC 9, Part 6, repossessions followed by redemption must not continue to be reported inaccurately. 

3. Duplicate Reporting of Negative Events : The account history redundantly lists late payments, repossession, and charge-off statuses from XX/XX/XXXXXXXX  through XX/XX/XXXX. These entries appear to overlap and create an unfair representation of the accounts status. 

4. Compliance with FCRA and Investigation Obligations : I previously disputed this account, as noted in the comment section of my credit report. However, the reinvestigation completed in XX/XX/XXXX failed to address all errors comprehensively, violating 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Requested Resolution : 1. Delete the inaccurate charge-off reporting and balance information.

2. Remove the repossession entry, as the vehicle was redeemed, per applicable law.

3. Ensure compliance with federal regulations, including proper validation of the debt and correction of redundant and inaccurate reporting. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX complies with its obligations under the Fair Credit Reporting Act and related statutes. Please confirm receipt of this dispute and provide updates regarding the investigation. 

Thank you for your attention to this matter. 

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

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was seen by a doctor in a emergency room. My insurance paid the debt in full. The doctor tried to balance bill me in error. I sent the explanation of benefits to the debt collector to prove I did not owe the debt in question. They keep telling me that they are waiting for the original creditors response. I have been waiting over 30 days for them to remove this from my credit report ( since sending E.O.B ). The account is over 2 years old and I have been disputing this account for over 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent more then 2 rounds of dispute letters to Experian regarding a account ( XXXX XXXX ) that is being inaccurately reporting on my credit report that needs to be removed. Its not been fully validated and should be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$280.00} ; XXXX SELF-REPORTED XXXX Balance : {$220.00} ; XXXX SELF-REPORTED XXXX Balance : {$190.00} ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; 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 dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :.
Product: Credit reporting or other personal consumer reports

I been trying to dispute all of the wrong hard inquiries on my credit report and I can't on line and I called them on XX/XX/year> to ask them to remove them XXXX has 34 hard inquiries and a lot of them is from the same company that I didn't give them permission to run my name like that and Equifax has 8 incorrect hard inquiries on my credit report and XXXX has 7 hard inquiries on my credit report and I don't okay the company to run my name
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  & XXXX  )
Product: Credit card or prepaid card

Around XX/XX/2020, I received a warning from my credit monitoring service ( XXXX ) that someone was opening a credit card account in my name. It turned out that attempts had been made to open at least three fraudulent credit cards in my name. I contacted JPMCB first. The customer service person said they had no record of this activity. When I called the other credit card companies, they were much more helpful. They arranged a seven year " Victim Alert '' be placed on my credit reports and immediately removed their " hard inquiry '' from the reports. However, JPMCB has failed to do this, even after multiple contacts by myself. Today I got my latest copy of my XXXX Credit report and the hard inquiry is STILL on this report, and I assume all the rest of my reports. From the beginning, JPMCB has failed to take this matter seriously and because of its incompetence, adversely impacted my credit score. I have had no credit relationship with JPMCB.
Product: Debt collection

There is an inaccurate account on my credit reports with Acima Credit that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. XXXX  is the tracking to prove it XXXX XXXX  XXXX XXXX XXXX. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.
Product: Credit card or prepaid card

I purchased a spread in a magazine to help with " branding '' my new business. I paid {$3500.00} for several things that were combined in a " package deal ''. The article was dated to come out online and in the magazine at the beginning of XX/XX/2019. On XX/XX/2019, I tried to pull the article up online and had trouble finding it. It turned out that the magazine had used card stock to represent my company instead of the numerous photos I submitted. When I contacted the publisher that day, he was aware of the problem. He offered to fix it, but I expressed concern that I did not receive anything he advertised in the package except a place in the magazine. I requested a refund for the remainder of the package that I had not received, and the publisher ignored my request. I filed a dispute with the credit card company and included the package details, as well as what I did not receive and they ended up siding with the magazine. I sent in a rebuttal after the publisher sent in his response and the credit card company went with the publisher again ( almost like they had not read my response ).
Product: Credit reporting

Experian ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Experian 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Experian provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
Consent to publish the description of what happened? Consent provided
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry made by Pentagon FCU-XXXX, which appeared on my XXXX Credit Report XXXX The inquiry, dated XX/XX/2023, was conducted without my consent or authorization, thereby violating the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiry by Pentagon FCUXXXX has XXXX affected my credit profile without lawful basis or my explicit permission. As per the FCRA, any credit inquiry made on my credit report requires express consent, which I did not provide to Pentagon FCUXXXX. 

I am formally requesting an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. According to FCRA guidelines, I am entitled to verification and documentation validating the legitimacy of this inquiry, which I have not received. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry for your reference and investigation. 

I request that XXXX conducts a thorough investigation into this unauthorized inquiry by Pentagon FCUXXXX and provides me with a written confirmation of its removal from my credit file. Furthermore, any adverse effects on my credit score or creditworthiness resulting from this unauthorized inquiry must be rectified promptly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you