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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX - {$3100.00} XXXX XXXX - XXXX - {$0.00} Late Payment XXXX  XXXX - XXXX - {$11.00} XXXX XXXX  XXXX - {$220.00} XXXX XXXX XXXX - {$2400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$22000.00} XXXX XXXX  - XXXX - {$17000.00} XXXX XXXX  - XXXX - {$10000.00} XXXX  XXXX XXXX XXXX - {$230.00} XXXX  XXXX - XXXX - {$120.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$63.00} XXXX XXXX - XXXX - {$160.00} XXXX XXXX - XXXX - {$960.00} XXXX  XXXX - XXXX - {$380.00} XXXX  XXXX - XXXX - {$4000.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  - XXXX - {$6900.00} XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - {$2700.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am concerned about the security of completing transactions as I personally was not properly notified to authorize any type of money transfers, transactions, or payments. The security of these quick money transfers do not seem feasible for most people to safely and securely make payments of any form to others.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion, XXXX and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report i had a fraudulent account on my report please remove this account from my report it is hurting my ability to obtain credit
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Vehicle loan or lease

I am filing a complaint because M & T bank used unfair and deceptive practices. I was offered payment deferrals in at tough points when I was out of work, during XXXX, and when I my mother was ill and then passed. I did not fully understand that the payments would not be able to be paid on the end of the loan and come due all at once, I have been calling monthly to pay this loan, I call them and schedule a payment. I am not avoiding them an would like to continue to keep paying and I am being told full loan amount is due now. I have paid over $ XXXX to date on an extremely high loan and have less than $ XXXX left and they refused to work with me on the phone. The woman was rude and demeaning and when I mentioned my mother had passed she told me she did not need to listen to that. I was actually in tears at that point. I rely on my car for my daughter and I and I am the sole provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been furnishing my information without the written instructions of the consumer which is me in accordance with title 15 usc 1681 ( b ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is stopping me from obtaining credit.
Product: Debt collection

I have requested complete proof of the alleged debt several times in the form of a signed and dated contracts in he Form of an Affidavit of Truth and Fact to demonstrate liability of the alleged debt on several occasions to no avail by certified Mail Signed and Dated by an Authorized Notary, Proof of claim over the last 36 months, Discover XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX SXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXX, ha

s violated my rights 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction In accordance with the Fair Credit Reporting Act XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy addresses do not belong on my credit report 15 USC 666b states a creditor may not treat a payment on a credit card account under a consumer credit card plan as a late payment for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain accounts from my credit report due to my status as a survivor of XXXX XXXX. As provided under the Debt Bondage Repair Act ( Pub. L. No. 117-90, 2021 ), individuals who have been subjected to XXXX XXXX have the right to have adverse information related to their XXXX experience removed from their credit reports.

To facilitate this process, I have included the following information : 1. A list of the specific accounts that need to be removed.

2. Documentation to verify my status as a victim of XXXX XXXX, as outlined under federal or state law.

3. A copy of my government-issued ID and any additional identifying information needed to locate my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This is the second time I have file a compliant about the following information below. I am requesting that you promptly delete these addresses immediately. I do not believe a proper investigation was done from my file through your office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX U.S Bank  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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 : XXXX  XXXX, Account # XXXX. Account name : XXXX XXXXXXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX XXXX XXXXXXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account XXXX : XXXX. Account name : XXXX, Account 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 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.
Product: Credit card or prepaid card

I was a with XXXX  - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for identity fraud on XX/XX/2020. Was notified of needing to make a payment to my XXXX credit card. Submitted the payment via phone and charged were waved. The charge didnt go through due to identity fraud shutting off my debit card, bank account, and credit card. Payments were not late as the attempt was made to be paid however due to identify fraud could not be completed. Account was closed in XXXX however remained open without notification to myself the consumer due to the inability to process payment. I was not notified until months later of the account being delinquent.
Product: Debt collection

The account has been reinserted onto my credit report after previously being deleted under a previous company XXXX with a report date of XX/XX/2021 in the amount of {$770.00}. This is a request as authorized by the FCRA. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I need these accounts with incorrect information that are not mine to be deleted XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$100.00}
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during
a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, 2023 is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$520.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed several unfamiliar names. In fact, these were names that I did not recognize and names that I had never claimed. My name is ( XXXX ) ( XXXX ) and should be reported as stated. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this easier and quicker for you all. 

Please remove the following names from my credit report because I do not recognize them : Name ID # XXXX - XXXX XXXX XXXX Name ID # XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively. i have gotten an inquiry from us bank that need to be removed and i did not authorize this.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES I AM A VICTIM OF IDENITY THEFT BLOCK AND REMOVE THESE FRAUDLENT INQUIRIES XXXX  XX/XX/2022 XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX XX/XX/2022 EQUIFAX FRAUDLENT INQUIRY
Product: Credit card or prepaid card

XXXX  XXXX XXXX  opened in 2019. 
{$470.00} I closed this account down back in 2019 because it was a card that I did not open and did not put charges on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX