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

I am writing to formally request the immediate blocking and removal of inaccurate information in my consumer report, as required under 15 U.S. Code 1681c-2. The information I have identified is the result of alleged identity theft, and according to federal law, you are required to block this information no later than four business days after receiving this notice.

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the information in my file must be reported accurately. The accounts listed below are in violation of this requirement and have compromised my federal consumer rights, including my right to privacy and confidentiality, as outlined under 15 U.S. Code 1681.

Furthermore, under 15 U.S. Code 1692g, I am entitled to receive validation of the debt, including proof of a purchase agreement or a wet signature demonstrating that I committed to the debt in question. If such proof is not provided, you are required to remove the accounts from my report immediately. 

**Accounts in Violation : ** [ List the accounts in question here ] Pursuant to 15 U.S. Code 1681, Section 602 ( a ), I am entitled to privacy concerning my consumer report. Further, under 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts or information without my written consent. I did not provide written permission for these accounts to be included in my credit report, as outlined in 15 U.S. Code 1681a ( 2 ).

I also bring to your attention 15 U.S. Code 1666b, which requires that creditors promptly correct billing errors upon notification. As such, the inclusion of these accounts on my report constitutes a billing error, and they must be corrected immediately.

Additionally, under 15 U.S. Code 1601, the purpose of the Truth in Lending Act is to promote the informed use of credit through meaningful disclosure of credit terms. The inclusion of unverified accounts violates this principle and misleads the consumer.

Finally, I refer to 18 U.S. Code 1028A, which imposes severe penalties for aggravated identity theft. The failure to address the issues raised in this letter may result in further legal action under this statute.

I request that you provide the original copy of the agreement, including all terms and conditions, associated with the accounts in question. If you fail to provide this documentation, you are required to delete these accounts from my report. 

Please take immediate action to block these transactions from being reported to my consumer report within XXXX days from the receipt of this notice. Failure to comply will result in further actions, including potential claims for damages up to {$1000.00} per account, as permitted by law. 

I look forward to your prompt response and the resolution of this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have contacted the three credit reporting agencies and the negative information from XXXX XXXX XXXX  XXXX  involved in my XXXX  XXXX bankruptcy XX/XX/2013 and discharged XX/XX/2013. I have consulted with my lawyer XXXX XXXX, who told me that the information should not be on my credit report. I have contacted XXXX XXXX XXXX, TransUnion, Equifax, and Experian. The information is not being removed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX see the attached 1099c has violated my rights.

I looked at my Equifax credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

My XXXX XXXXXXXX Credit card is not reporting to Experian or XXXX. The credit card number ends in XXXX. Ive contacted both credit bureaus as well as XXXX XXXX. The account is in good standing. The credit bureaus say that in XXXX XXXXXXXX XXXX contacted them and told them to delete the account. At the time, I was disputing a late payment with XXXX XXXX. Instead of correcting the late payment info, the direction from XXXX XXXX was to delete the account, which Experian and XXXX did. Now, the only way the account can be re-inserted is if XXXX XXXX contacts them and have them re-insert it. I have asked them to do so but they said that they are reporting it to the bureaus, which is all they are responsible to do. 

I have been on over a dozen calls with XXXX XXXX, Experian, and XXXX regarding this issue. I hope that you all can help me resolve this. 



Sincerely.
Product: Debt collection

This is not my debt with XXXX XXXX! My Identity was stolen and I will be writing a letter to you to have this account closed and ceased collections. I need you to instruct the 3 major credit bureaus XXXX, XXXX  and XXXX  to delete and remove this account. It is a pandemic and this company is trying to collect payment from me, when I can't even collect toilet paper from the store. I find it highly unethical during these times people are selling " alleged '' debt. I will be filing complaints with the XXXX, CFPB, FTC and any other company that will accept complaints until this account is deleted completely! I will remove complaints and negative reviews once the company sends letter stating that they will delete and remove these accounts and contacted the reporting agencies if it has or was going to report to my credit. Thank you
Product: Credit reporting

There are three items on my credit report that have not been active in over 7.5 years. 
1. XXXX XXXX / XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
2. XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
3. XXXX XXXX XXXX, partial acct # NC, address id # XXXX. According to XXXX themselves in records sent to me XXXX XXXX, 2016 this account is well beyond the the statute of limitations and beyond the time XXXX may report to a credit bureau. They also confirmed via telephone that this is the same XXXX account listed earlier, and that both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are owned, partially owned, or affiliated with XXXX, XXXX. Experian has thus far refused to remove it despite being XXXX inactive for over 7.5 years and a duplicate reporting of the XXXX XXXX / XXXX listed earlier as # XXXX. 

An acceptable solution is for Experian to delete all XXXX of these accounts from my credit report immediately. I have provided all the above information previously and Experian continues to reply that it is insufficient for their investigation despite their own report listing the exact information provided above. Both XXXX and XXXX XXXX are either not reporting or in the case of XXXX have removed the duplicate and aged out account.
Product: Checking or savings account

About two weeks ago, Bank of America ( BoA ) detected that my transfering of XXXX dollars as a potential fraud and denied that transfer. After that, they locked my online banking and I can not login to my online banking anymore, either through mobile app or website. These actions are completely reasonable and understandable to me. 
When I called BoA to try to unlock my online banking ( I called multiple times ), every agent told me that the only way they can verify me is through sending text message to my US phone number. However, I am traveling abroad currently and won't be returning to US for another year or so, and I have temporarily stopped my US phone number as I don't want to pay for it during my time outside the country. I have told every BoA agents that I can verify through any other ways, including email, personal info, purchasing history, even the USB-C key that I have linked to my account, but they kept telling me the only way to verify me is through my phone number. I asked for another solution and they said I will just have to come back to US and visit a BoA branch in person. This is beyond ridiculous, and I will not be able to manage my finance for an entire year before I return! Once again, I have everything else except my US phone number for BoA to authenticate me, but they didn't provide any solutions. I urgently need access to my online banking during my time abroad. I NEED a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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: Mortgage

On XX/XX/XXXXI was applying for a refinance loan for my home from guaranteed rate and on XX/XX/XXXX I was asked to pay a {$450.00} fee upfront for an appraisal. The appraiser was an unlicensed intern pretending to be licensed. It was not disclosed that an unlicensed appraiser would be performing an appraisal at my home. On XX/XX/XXXX she came to my home to do the appraisal. The appraisal did not come out favorable and with numerous attempts to resolve this issue with guaranteed rate, this resulted in my loan not being able to be processed. We bought all these issues to senior managements attention. We were promised that the appraiser would redo the botched appraisal, but that never happened. They will not refund the {$450.00} back and we were told sorry it didnt work out, better luck next time. This leaves me with no options, no refinance loan, just a fee to an unlicensed intern who botched an appraisal leading to the loan not able to be processed. We spoke to several managers at the company with no results. This company was supposed to refinance my home not sell botched appraisals. We have been victims of a fraud and scam and the company is negligent to assume responsibility.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

This is the account I have marked as inaccurate : Account Name : XXXX  Account Number : XXXX  Collection Amount : {$270.00} Date of the Report : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent my monthly credit card payment on a timely manner however because of the sanitary emergency apparently the US Postal Service delayed the delivery of my payment and as consequence my payment was received by the bank one day late. 

Capital one has charged me a fee of XXXX dollars on XX/XX/20 because of the payment being late one day. I strongly dont agree with the late fee charge not because the amount fo the charge is because of the principal/action of the bank. It really bothers me that not even the sanitary emergency makes them human and sensitive to what is going on on the world. 

Capital One is a bank that they only care money and they dont care people their customers. It is a very irrational bank that should be punished by the regulatory agency as they are not considerate with what we all are living now. 

This bank has no moral and no mercy and they believe that with their actions they will be richest. Again, what bothers me me is their injustice and stupidity I dont know in what world they live in. If they doing this to me I can imagen what else they can be doing to others that really needs help and support. This action should be punished and to be published so people dont do business with them anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have been in dispute with XXXX Equifax and XXXX about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions crimes which antedates the report by more than seven 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: Debt collection

In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and XXXX stated that it was too late since the money was already taken out of my account. XXXX then drains my account and I had to end up closing my bank account connected to XXXX due to fraud activity. XXXX has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/XXXX  and told I need to respond my XX/XX/. I also can not login with my information on XXXX. I have changed my password and I am still unable to get into this account.
Product: Debt collection

Violations 15 usc 1692C 15 U.S.Code 1692b ( 2 ) 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

15 usc 1692D 15 U.S.Code 1692g ( a ) 1692g ( a ) - This does not validate a debt. This simply is requirement on the debt collector.

Version 2.

AFFIDAVIT Notice, it is a fact, MY CLIENT has reason to believe and do so believes no written notice was received within five days of the initial communication between JEFFERSON CAPITAL SYSTEM and MY CLIENT the affiant as, the first communication received from this debt collector was on the affiants consumer report with proof shown in PICTURE. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g.
Product: Credit reporting or other personal consumer reports

I'm contacting you to inform you that I've experienced identity theft. This message is an official dispute regarding this account. I've followed the instructions from the involved companies and taken appropriate actions to rectify the situation. I've reported the identity theft to the FTC and contacted each affected company directly to dispute the erroneous information. I would appreciate your assistance in resolving this issue. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I had started once to sending this service updated proof and it kick me out. I have been ignored Everytime I contacted Equifax or told quote " I can not help you ''. I have been reporting for months incorrect information on my credit and reporting disputes that are not corrected. I also had information that has disappeared, in correct information add to credit and nothing is done. I sign into the account it kicks me out and tries to block me and the same exact issue with XXXX and they say I have know score when I do. I bust my XXXX  building up my credit to XXXX in equifax and XXXX in XXXX and in Equifax it drop in a day XXXX points and XXXX now say I have no score when I have copies and photo of evidence as well was approved for a mortgage on XX/XX/XXXX. I have a lot of evidence and I filed a dispute many times with them and called of a incorrect address on equifax on XX/XX/XXXX and the next day I received a email the investigation was completed. Every dispute I filed either 2 hours later or next day I get a email saying it's been completed by equifax. I have proof. I demand this criminal activity be taken serious its my identity and fraud. I ask that you please send me a email to send in all my document to you. I also have paid bills and XXXX paid off student loans that disappear and been showing on my credit and equifax now has it listed under installments. These student loans been paid off and fall back years ago. I have to many documents of proof to send. Please notify me by phone or email with a email I can send them to. I am also kicked off when I log into my accounts at both XXXX and they tell me I have no score when I do and have sent the proof and equifax I get kick off and that blue sign appears telling me to contact them. Someone is tampering with my credit and identity. When I call equifax they they can't help. XXXX is the same way. Thank you
Product: Vehicle loan or lease

KIA XXXX ACCT # XXXX I am writing to complain about fraudulent lease-related practices at the XXXX KIA dealership XXXX at XXXX Rt. XXXX XXXX in XXXX, New Jersey. 

The dispute in question is embedded into this communication as an appendix. 
On XX/XX/XXXX, I completed the terms of my XXXX lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original lease was initiated on XX/XX/XXXX. I then entered into a new lease on the same day for a XXXX XXXX XXXX. While learning what my options would be in terms of moving into a new lease. I asked the Sales Associate, XXXX XXXX, directly about how to deal with minor damage on the car I had leased. He basically dismissed the question and did not address it further. 

Subsequent to this, I received a communication from XXXX saying that I owed more than {$2400.00} in damages, despite the fact that I had purchased the Excess Wear and Use insurance, which was strongly recommended by the sales team. This insurance cost me roughly an addition {$40.00} per month. I made numerous efforts to reach out to XXXX XXXX without any response or guidance. Note that XXXX XXXX is no longer with the company. 

This lack of transparency and intentional obfuscation was the basis of what has become an unethical debt collection situation. A charge-off was posted to my credit report in XX/XX/XXXX. When I attempted to contact the corporate office, once again I was not given the information needed to further investigate the Excess Wear and Use Insurance or to use something that was rightfully mine and that I paid in excess of {$1500.00} for. 

This business has a grade of F from the XXXX XXXX XXXX XXXX https : XXXX ), with numerous complaints filed for this type of bait and switch activity. I have tried to rectify this situation for more than 3 years and have intentionally been ignored or misled. Somehow they say that they have no information about the Excess Wear and Use Insurance in terms of how I might access it, although they sold it to me. 

I request that this be removed from my credit report immediately and that your agency provide additional information about how to move forward with this situation. Also, is it possible to sue in order to compensate for the impact of a charge-off on what would otherwise be a near-perfect credit report? 

Please advise and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continually ALL of XX/XX/XXXX and most of XX/XX/XXXX reporting Fraud. Equifax was sent NUMEROUS TIMES!!!!!!!!!!! A Police Report, Notarized Sworn Affidavit and ID theft Report. The XXXX WHO WORK at Equifax Refuse to supply to i, any proof or evidence that the Account ( s ) i have disputed are considered by Equifax to be valid. EVERY ACCOUNT EQUIFAX IS REPORTING ON THE XXXX XXXX XXXX CREDIT REPORT IS FRAUD. 99 % of the Account ( s ) that Equifax is reporting, HAS BEEN REMOVED FROM THE OTHER TWO CREDIT REPORTS BY THE SO CALLED CREDITORS THEMSELVES. The accounts are NOT MY ACCOUNTS, NOT MY DEBTS. Equifax is in violation of Fair Debt Collection Practices Act and the Fair Credit Reporting Act. There is NO HIGHER FORM OF EVIDENCE then Sworn Affidavit ... .Yet Equifax has Ignored the LAW, the RULES THAT GOVERN THEIR ACTIONS. This report will be used against Equifax in Court.