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

My entire student loan debt was discharged in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is discharged under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect zero balance but my attempts with transunion and XXXX have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by Judge XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE  EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Product: Checking or savings account

I was able to open the city goal checking account debit card number XXXX. When I tried to transfer money to this account it was closed. When I called in team choir why I was told it was because there was some negative history with the bank. When I inquired about resolving it they told me that I would have to go into a branch. I explained they had an XXXX XXXX XXXXe and the pandemic offered risk to me and I was not going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another and the pandemic offered risk to me and I was not  going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another Mechanism must be made available in these times
Product: Credit reporting, credit repair services, or other personal consumer reports

These collections and inquiries are not mine and are reporting incorrectly. I demand that these accounts below be removed immediately from my credit report. 
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 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 lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by TransUnion, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with TransUnion, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Best Regards, XXXX XXXX.
Product: Credit card or prepaid card

I HAD CONTACTED MY CARD COMPANY BECAUSE I HAD PAID A COMPANY BY THE NAME OF XXXX XXXX XXXX. AFTER READING REVIEWS ONLINE AND GETTING NO RESPONSE OR REFERALS THAT RELATED TO MY TIMESHARE I CALLED MY CAPITOL ONE CARD TO LET THEM KNOW THAT I NEEDED HELP DISPUTING THIS CHARGE.. THEY THEN GAVE ME A CREDIT OF THE XXXX AND I FILLED OUT ALL THE PAPERWORK THAT THEY SENT ME, AND FIGURED THAT THIS MESS WAS BEHIND ME, BUT THEN I GOT A CALL THAT MY CARD WAS OVER THE LIMIT AND PAYMENTS THAT ARE AUTOMATICLY PAID CAME BACK. INSTEAD OF LISTENING TO THERE COSTUMER THEY BELIEVED A COMPANY THAT IS KNOWN FOR STEALING FROM THE ELDERLY, AND TAKING ADVANTAGE OF PEOPLE. THEY TOOK MY CREDIT AWAY AND NOW THIS COMPANY IS CALLING ME DEMANDING MORE MONEY. I AM TRULY DISGUSTED WITH THIS WHOLE SITUATUIN.
Product: Checking or savings account

Square blocked my account with no explanation i called in and they said its under review they don't know why its an algorithm that blocked me.

they are holding my money for 90 days
Product: Credit reporting or other personal consumer reports

Ally financial Reported XX/XX/XXXX Amount {$6800.00} Reporting charge-off and late payments XX/XX/XXXX ( XXXX days late )
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle from US auto sales. The location at the time was XXXX XXXX XXXX, XXXX, NC XXXX phone number XXXX. I traded in a car and received a down payment credit of {$3200.00}. the vehicle I purchased was a XXXX XXXX XXXX XXXX. The purchase amount was {$20000.00} and was financed in a contract with US auto sales at the time of the purchase. I purchased a vehicle service contract and gap insurance, which was agreed to be paid in the car payment that I make biweekly. The vehicle service contract was totaled in the amount of {$2300.00} and the gap insurance was {$690.00}. With this being said my payments for my car to is {$210.00} biweekly. US auto sales in turn shut down this year ( XX/XX/XXXX ), and I am still being held responsible to pay for a service contract I can no longer use, as well as gap insurance that I can no longer use. Us auto sales transferred their debt over to Westlake portfolio management. At this time I had to send in a letter for debt verification to Westlake portfolio management because I did not sign a contract with them. I signed a contract with US Auto Sales. US auto sales has breached that contract. I am wanting to know what can be done about this issue? I should not have to pay for a service contract I can not receive services from. Even though I signed for it, i no longer am able to receive either coverages put yet I am still expected to pay for it. In regards to this matter I have reached out to the Attorney General of North Carolina and the FTC. I am asking that you help seek a solution to this irresponsible matter. I do not want to give my hard earned money to a company who is doing nothing but taking my money. I understand my financial responsibility to pay for a car, but it is also their responsibility to hold up their end of the contract that i signed and not to breach it when I signed for a vehicle service contract and gap insurance. It is also unfortunate that US auto sales is the lienholder on my car. Therefore, I can not trade it or sell it. If there are some possible suggestions that could be given to me on what should be done in this matter, could you please reach out to me as soon as possible? thank you.
Product: Credit reporting or other personal consumer reports

The names, phone numbers, and addresses on my credit report are incorrect. I have attached a letter with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/year>. 
Collection account from XXXX with account # XXXX and a balance of {$15000.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The original creditor is XXXX XXXX. 
Upon review of my updated credit report, I found this account to be in error. I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$370.00}
Product: Debt collection

I had XXXX at XXXX Hospital XX/XX/XXXX and paid {$840.00} The total bill was {$10000.00} and my Insurance XXXX XXXX paid {$9000.00}. That leaves my with {$1000.00}. I paid already {$840.00} on XX/XX/XXXX. All i have left to pay is {$160.00}, confirmed by my Insurance. I tried multiple times to reach the Hospital to get this corrected but no luck. It was given to Capio Partners to Collect the debt of {$1000.00}.

Capio Partners added 2 Major Derogatory 's to my account on XX/XX/2019 and XX/XX/2019. 

I explained them the issue multiple times but they only transfer me to a mailbox and none is calling back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to XXXX and XXXX and disputed online with Experian requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 

I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to the court to see how is the method of verification of the bankruptcy and how are they reporting monthly to my credit the response was they do not report to the credit agencies I have ask for the credit bureaus to verify my information accurately and they are taking advantage of me The Credit bureaus stated my account was properly investigation but how is that possible if its IMPOSIBLE TO VERIFY. This ground for removal they also violated my rights under 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been stolen, and I am really upset about it. The following inquiries on my credit report are the result of fraudulent and illegal usage of my social security information and card. I am neither the owner of these inquiries, nor did I provide permission for them to be made on my credit report. They are also unrelated to any of the accounts that are listed on my credit report. I had no prior knowledge of any of this. The Federal Trade Commission is also looking into this matter right now. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Under penalty of perjury ( under the laws of the United States if executed outside the United States ), I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am authorized to initiate this dispute under FEDERAL and STATE LAW. 


I am submitting this complaint on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX  card that is not mine it showed up on my equifax report on XX/XX/XXXX I would like to remove this card from my file it is not mine
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the CFPB issued a warning to Experian, a consumer reporting agency, as a result of its failure to properly investigate disputes I have made about incorrect information on my consumer report. The CFPB stated : " Accordingly, consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entitys preferred format, preferred intake forms, or preferred documentation or forms. '' Therefore, as a consumer, I demand that the following accounts be blocked and deleted from my consumer reported : XXXX XXXX XXXX XXXX XXXX XXXXt. I demand that the account for XXXX XXXX, XXXX be reported as " paid as agreed '' and the " charge-off account '' status removed. I also demand that the alleged account balance of {$19000.00} for the alleged XXXX XXXX, XXXX account be be changed to {$0.00}. I also demand that all alleged late payments reported by XXXX XXXX, XXXX be reported as paid " on time. ''
Product: Credit reporting or other personal consumer reports

there is personal information- names, address, & employers as well as hard inquiries on my credit report that are being reported unauthorized, please see below Name - XXXX XXXX XXXX ( Transunion ) should be reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : Trans - 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer - XXXX XXXX XXXXXXXX ( Transunion ) XXXX- XXXX XXXX ) Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX