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

I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them, I don't recognize these lender and I don't remember authorizing them to perform a hard inquiry on my credit report or add any accounts ... By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Note .... 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.

Marked ( * ) for deletion Accounts... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Product: Vehicle loan or lease

Capital One reporting inaccurate information on my credit account paid in full on the same day the account paid capital One sent consumer notification of vehicle being assigned for repossession also reporting delinquent account to credit when account is paid off valid proof of paid off and notifications of repossession also balance increased reported violated my consumer rights
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened an account using my personal information and a fake address in order to take out a personal loan without my knowledge. I only became aware of this when a debt collection agency called me to say I owed {$8900.00}. I informed the company, XXXX, via phone call and a physical letter which I mailed on XX/XX/. I also froze my credit and reported the fraud to the credit reporting agencies as well as the fraudulent address that was being used with my name at the same time. I also emailed the debt collection agency with information about the fraudulent account and forwarded a letter to them which I had previously sent to XXXX regarding the fraud on XX/XX/. 

I still have yet to hear about the status of this situation.
Product: Credit card or prepaid card

I purchased an XXXX XXXX from Jared XXXX with my XXXX  present, I was about to pay cash and the counter salesman made me an interest free offer on a store credit card for the first year, through Jared XXXX bank, Comenity Bank He did not mention that the interest for the entire year would be added retroactively at the end of the year if the balance weren't paid in full. 

On XX/XX/2022, they added a {$1400.00} charge without notice or warning. 

I'd been told the first year was interest free as long as I maintained payments, nothing more. 

This offer was misleading, it was used to solicited me to take out a credit account I had no need for when I walked into the store, the offer was made in a way to mislead me to think there would be no interest on the first year.
Product: Credit card

Opened an account with company, set up automatic payments, payments were never taken causing late fees and over credit but never received any notice this was happening month after month now with fee 's the amount owed is over {$200.00} then original balance.
Product: Payday loan, title loan, or personal loan

I called regions on XX/XX/2023. I called to apply for a XXXX personal loan, I was denied the loan because my credit score. 12 CFR 1002 says you cant not discriminate against me for any reason including my credit report. I called to talk to fraud about the situation at hand but no one was helpful in the situation.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Product: Debt collection

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Debt collection

A letter dated XX/XX/23 stated that National Credit Systems was attempting to collect a balance I allegedly owed ( I received no prior notice from the creditor ). I sent a letter back, as well as submitted a request online for itemized charges, which I received on XX/XX/23 via email. I replied to the email with supporting documents showing the balance owed was incorrect, and that I owed {$1.00}, not {$130.00}. After no initial response, I submitted the documents via mail on XX/XX/23, to which I have not yet received a response. 8 days later, the collections account is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I hope this letter finds you in good health. I am writing to formally dispute inaccurate and unauthorized information on my credit report, and I am seeking your assistance in addressing these matters in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other relevant consumer protection laws. 

The violations that have come to my attention are as follows : Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Personal Information regarding previous addresses The sharing of incorrect previous addresses The presence of these inaccuracies and unauthorized inquiries has had a profound and distressing impact on my life. These errors have hindered my ability to secure favorable financial terms, thereby significantly affecting my ability to provide for my family and plan for our future. It has been an emotionally taxing journey as my dreams of homeownership, pursuing higher education, and achieving financial stability have been derailed by these discrepancies.

In an attempt to provide a personal context, allow me to share a specific incident that exemplifies the challenges I have encountered due to these inaccuracies. A few months ago, I applied for a mortgage to purchase a home that would provide stability for my family. Unfortunately, my application was denied due to the discrepancies present on my credit report. This rejection not only shattered my dreams of providing a secure and comfortable living space for my loved ones but also highlighted the urgency of resolving these inaccuracies to secure a better future for my family.

In light of the hardships I have faced due to these errors, I humbly request your intervention to enforce my legal rights under the Fair Credit Reporting Act. Specifically, I kindly request that the relevant creditors verify and accurately report the disputed accounts on my credit report. Furthermore, I request the immediate removal of all unauthorized inquiries from my credit report. 

I deeply appreciate your time and attention to this matter. The impact of these inaccuracies goes beyond numbers and figuresit deeply affects the lives and well-being of individuals and families like mine. Your assistance in rectifying this situation will not only restore my hope for financial stability but also reaffirm my faith in the protection of consumer rights. 

Please consider this letter as my formal dispute and request for assistance in rectifying these inaccuracies. I look forward to your prompt attention to this matter and a swift resolution. If you require any additional documentation or information, please do not hesitate to contact me. 

Thank you for your understanding and support. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Withholding of Funds and Deceptive Practices In early XXXX, my company, XXXX XXXX XXXX, engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) to assist in collecting a {$XXXX} USD debt from our debtor, XXXX XXXX XXXX XXXX. However, XXXX  has engaged in deceptive business practices, failed to remit collected funds, and misrepresented its contractual rights. 

XXXX. XXXX  Collected {$XXXX} USD and Refused to Transfer Our Share In XX/XX/year>, our debtor, XXXX XXXX XXXX XXXX, paid {$XXXX} USD directly to XXXX. 
XXXX  never notified us of this payment. We only discovered it when our debtor informed us. 
Under our agreement, XXXX  was entitled to a XXXX  % commission, meaning XXXX XXXX is owed {$XXXX} USD. 
Despite multiple requests, XXXX  has refused to transfer our share of the collected funds for nearly XXXX  months. 

XXXX. XXXX  Imposed Unauthorized Fee Protection Measures to Withhold Funds XXXX  attempted to impose a retroactive Fee Protection Measure to justify withholding our funds. 
This measure was never agreed upon in our contract. 
When confronted, XXXX  claimed they were entitled to commission on payments they did not collect, which is a direct violation of standard debt collection practices. 

XXXX. XXXX  Delayed, Avoided, and Provided Inconsistent Justifications Since XX/XX/year>, XXXX  has repeatedly ignored or delayed responses when we demanded the transfer of our funds. 
They provided contradictory explanations, such as IT system issues, storms, and legal discussions, but never fulfilled their obligation to transfer the funds. 
We have repeatedly requested a full payment report and breakdown of fees, but XXXX  has failed to provide XXXX. 

XXXX. XXXX  Retaliated with XXXX XXXX XXXX XXXX pressed to pay, XXXX  falsely accused us of interfering with their collection process to justify withholding funds. 
They threatened a counter-lawsuit with no legal basis instead of resolving the issue. 

Requested Resolution : XXXX. XXXX transfer of the {$XXXX} USD that XXXX owes XXXX XXXX XXXX. 
XXXX. A formal investigation into XXXX  deceptive business practices. 
XXXX. Preventative actions to ensure XXXX  does not continue to withhold funds from other businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company still reporting incorrect account from XXXX XXXX  that I do not owe money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to the creditor and to the bureaus asking that these accounts be properly verified and all necessary documentation including signed copies of promissory letter etc. be sent to me in order for me to verify the accounts. The creditor has not responded to any of the letters that I have sent and the bureaus only send letters saying the accounts have been verified without any proof or documentation of verification.
Product: Credit card or prepaid card

I disputed a transaction with merchant XXXX XXXX XXXX in the amount of {$160.00} with FNBO due to flight cancellation. ( As described attached ). 

Initially, FNBO claimed that the charge was too old and at a later stage, that since I have already paid for it, I had no dispute rights. 

The card issuer is essentially providing contradictory reasons for not wanting to help me dispute a charge for a service I did not receive. Once again, I suspect discriminatory treatment by this financial institution.
Product: Credit card

For the second time in a whole I had my HSBC Mastercard cloned and the bank is going to replace the card. The problem I see is that for verification purposes, they ask ton of questions but for the people who used the card more than once, they ask no question. They should improve the card security questions to avoid fraud over and over. Then you call to request a dispute, and they want you to give them specific information from last statement with amount and date. I do n't even print statements nowadays to save paper, and the Call Center wants you to tell them by the cent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian about inaccurate information that they are reporting on my credit file. They explained that the information was verified, but has no proof of verification. None of their information matches my other reports and I also explained that to them.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. This is resulting in me not being able to qualify for a business loan and having higher interest rates. I am already dealing with financial hardship because I was laid off from work and XXXX XXXX. I dont need any more stress. Please investigate the following information. I have a bankruptcy record from your court appearing on my credit report. Ive disputed this item with XXXX, XXXX, and Transunion. XXXX and XXXX investigated, found the inaccuracies, and removed the bankruptcy record from my credit report. Transunion sent me a letter stating that they verified the record, and it is accurate. However, this cant be true because I was a victim of fraud so I froze all of my credit files ( including XXXX XXXX ). I also contacted the bankruptcy court and they sent me a letter stating that they DO NOT verify their records with any of the credit bureaus. 
I am going to attach the letter. I have disputed this record with Transunion several times asking them to provide the procedure which they used to verify the account with me and the only thing that they kept doing is sending me dispute result letters saying the record was verified, but not by who. Like Ive said before Ive contacted the courts and they dont verify public records, so I believe that my bankruptcy record was never verified in the first place. I have disputed this record 7 times starting from XX/XX/XXXX, to XX/XX/XXXX. The reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I am going to attach the letter from the court showing that they do not verify information with the credit bureaus. I am also attaching proof that the bankruptcy was deleted from XXXX and XXXX as well.
Product: Mortgage

I've been receiving notifications from XXXX XXXX regarding the status of my properties, inquiring if they are vacant or abandoned. To clarify, these properties are not abandoned, and I am actively engaged in maintenance efforts. I urgently request XXXX XXXX to cease entering the homes, changing locks, and causing distress to my tenants. 

Despite previous requests, XXXX XXXX continues to issue notices, adversely affecting our ability to rent the properties and causing problems with existing tenants. It is imperative that these actions cease immediately. 

I want to emphasize that I am the owner of these properties and have been consistently making mortgage payments. Currently, all properties are undergoing remodeling, renovation, and repairs due to damages sustained during last year 's hurricanes ( 2022 ). These efforts have been funded out of pocket, as assistance from insurance companies and Mr. Cooper has not materialized. 

For your reference, the property in question is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, with the loan number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of certain accounts listed below on my credit report. It has come to my attention that the company responsible for reporting this account has done so erroneously. They have acknowledged an internal issue resulting in the incorrect posting of past due statuses. Specifically, from XXXX XXXX XXXX XXXX XXXX, they incorrectly listed me as past due for XXXX, XXXX, XXXX and XXXX days. I kindly request that you conduct a thorough investigation into this account and update their status to reflect that they have never been late.XXXX XXXX XXXX