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

My credit reports are not reporting accurately. I sent a letter to all 3 companies to fix or delete. To no prevail, they have not corrected the information, nor have they deleted it. I have asked that they fix the items or delete it. I even sent my ID, social security card, and proof of address. The only thing they sent in return was a letter stating to please send verification which I did previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was added to my credit report, I have no idea what it is nor have I received any information regarding this alleged debt.
Product: Credit card

I spoke to Someone at Credit Card Company. The Company is Avant XXXX. I explain to the gentleman what they did, that they took a payment of XXXX with out my authorization. I have an auto pay every single month with AVANT. Usually the payments are $ XXXX {$70.00} a month. They decided to take {$1700.00}. The gentleman on the phone told me theres nothing they could do to get the funds back, so he told me to call my bank, which is XXXX XXXX and they are the ones that told me that they will get on top of this and they will dispute the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter dated XX/XX/XXXX to TransUnion to dispute unauthorized hard inquiries showing on my credit report for XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, these inquiries for XXXX XXXX  and XXXX XXXX  are still showing on my credit report. i contacted TransUnion today, XX/XX/XXXX, anbd spoke with a representative to dispute the inquiries and I was asked if I had already sent in a letter to dispute the inquiries. I let the rep know I had already sent in a dispute letter for these items. I was told by the rep that he could not see the documents and would need to transfer me. Before transferring the call, the rep stated he did not know what the next rep would be able to help me with but he just needed to transfer the call because he could not see the letter I sent. My call was then transferred and I spoke with a rep stating his name was XXXX and he was a supervisor with the specialized fraud team. XXXX asked me for the dates of the letters I sent. I told XXXX I sent a letter dated XX/XX/XXXX to dispute the inquiries. I also told XXXX I had sent letters after XX/XX/XXXX to dispute other items. XXXX told me TransUnion had not received any letters from me in XX/XX/XXXX through todays date, XX/XX/XXXX. I have attached the letters that have been sent to TransUnion since XX/XX/XXXX. I am unsure of how none of the attached letters have been received when corrections to unverified and inaccurate items showing on my report has been made resulting from the letters I have sent that are attached. Due to the mishandling on my call today and TransUnion reporting inaccurate, unverifiable, and unauthorized information on my credit report TransUnion is blatantly violating my consumer rights. I am requesting that these unauthorized inquiries on my credit report be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that these information are 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.
Product: Mortgage

I contacted Chase bank, my current mortgage loaner, to refinance my loan - about 2 months ago. I know I qualify for at least 1 % less than the rate i have now and also they wo n't quit taking escrow money from me on this loan even though i have paid off more than 20 % of value of the property - so i want to refinance ASAP. They gave me the rate and the terms I was asking for in conversation over the phone, but then sent me paperwork with a higher rate. It took them two weeks to correct this. The process is just dragging, they keep coming up with new papers that I 'm missing and that are delaying the refinance approval. I was told weeks ago that my application is with the underwriter and that 's the last i heard from them. Their lawyer and appraiser contacted me the XXXX week into the process but i had to stall everything due to the bank 's disinterest and unresponsiveness. My locked in rate is due to expire in two days and they have not responded to my last XXXX emails in the last 10 days. I want my lower rate now!!
Product: Debt collection

I am seeing on my credit report a collection from ML Zager of the amount {$1800.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON. 

I have attached Identity Theft Reports from the FTC TRANSUNION has committed aggravated identity theft pursuant 18 U.S. Code 1028A This is not a request. I am invoking my consumer rights under the Fair Credit Reporting Act.

TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS.

The following alleged accounts are to be BLOCKED and DELETED from BOTH my Consumer REPORT and CONSUMER FILE : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX - XXXX I have attached Identity Theft Reports from the FTC
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, while I was serving in the military and working as a XXXX XXXX There are 2 items on my I did not authorize and I am having a major issue with Equifax resolving the problem. I reached out to XXXX XXXX and XXXX XXXX XXXX and was informed by them that these accounts were fraudulent. I was provided with documentation that they were a result as fraud and was removed from their records. I am enclosing it into my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car and used Capital One to finance. I set up auto pay after my initial payment online and thought i was done with it. Turns out, it never went through, they never received it, or whatever excuse they claim, it was 100 % done on my end. They wait til i am two months late to even ATTEMPT to make contact and let me know i was late, meanwhile they are hurting my credit. I called, they explained, i calmly set up auto pay on the phone, took care of the back payments and asked if there was a resolution. They said i could dispute it with their office, which we know is automated and they will not help a single father like me when it was a mistake, i believe on their part, but apparently on mine. That one late pay docked my credit score 100 points!! I went from about to get a loan to looking for a place to live, all because they wanted to rack up late fees, not contact me, and then deny me when i asked for a resolution? Seems unreasonable and unethical to me.
Product: Debt collection

Back in XXXX of 2017 I noticed something on my credit report from Diversified Consults in the amount of XXXX . I reached out to them by letter and they replied that the debt was for a XXXX account I supposedly had. I requested the debt be verified with a signed contract, a receipt, anything besides this company claiming I owe it. They replied with the same letter showing my name, an amount and XXXX name. I have subsequently requested this debt be verified in XX/XX/XXXX and again in XX/XX/XXXX. They have not verified the debt and continue to re-report onto my credit report every month, gaming my credit score. Not only is this an unverified debt, it is predatory collection as they know its not a valid debt and continue to report false and misleading information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

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 MERCHANTS & PROFESSIONAL XXXX Balance {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2919 a fraudulent application was submitted for a XX/XX/XXXX-XX/XX/XXXX XXXX store credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the XXXX XXXX XXXX in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the XXXX XXXX XXXX, and I was informed it would be removed in an additional 45-days. 

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX **General Counsel** Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : ** Notice of Dispute and Demand for Relief Under Arbitration Agreement Dear General Counsel, This letter constitutes a formal **Notice of Dispute** in accordance with the arbitration agreement outlined in Equifax 's terms. It addresses XXXX failure to properly resolve my dispute regarding the fraudulent accounts listed below and the subsequent violation of the Fair Credit Reporting Act ( FCRA ). 

# # # Nature and Basis of the Dispute On XXXX, I submitted a written dispute to Equifax regarding XXXX following accounts, requesting their immediate removal or verification : XXXX. **American XXXX XXXX on XX/XX/XXXX ; Account XXXX : XXXX XXXX XXXX XXXX XXXX. **XXXX* Opened on XX/XX/XXXX ; Account XXXX : XXXX XXXX XXXX. **XXXX XXXXXXXX XXXX on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account XXXX : XXXX XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXX** Account Number : XXXX Despite providing all required documentation, including : - A copy of my government-issued identification, - Proof of my current address, and - A police report detailing identity theft, Equifax failed to resolve my dispute within the required 30-day period as mandated by **15 U.S.C. 1681i**. Equifax also did not provide any valid verification of the accounts as requested. 

# # # XXXXelief Sought Pursuant to the FCRA and the arbitration agreement, I am demanding the following : 1. Immediate removal of all fraudulent accounts listed above from my credit report.

2. Statutory damages of ** {$1000.00} per violation** for each account listed, totaling ** {$6000.00} USD**.

3. Written confirmation from Equifax that these accounts have been permanently removed from my report.

# # # Request for Resolution I request that Equifax resolve this dispute and provide the relief outlined above within **30 days** of receipt of this Notice. Failure to reach an agreement within this timeframe will result in the initiation of arbitration proceedings under the terms of your agreement.

# # # Arbitration Information If arbitration becomes necessary, I intend to proceed in accordance with the **AAA Consumer Arbitration Rules**, and I will pursue all remedies available to me under the law. Please be advised that Equifax will be responsible for all associated arbitration fees as stipulated in the agreement.

# # # Contact Information You may contact me at : - Phone : XXXX - Email : XXXX # # # Enclosures XXXX. Copy of my government-issued ID. 
XXXX. Proof of address. 
XXXX. Police report detailing identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, **Isiah XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX want to file a complaint against Experian. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this Experian they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate. XXXX XXXX XXXX Credit Card Child Support Enforcement XXXX XXXX XXXX Credit CardXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are sharing my information to third party companie
s without my consent which is affecting my credit score in negative ways by reducing my score.
Product: Credit reporting or other personal consumer reports

Recently I've looked over a copy of my consumer report and noticed both accounts and information thats either inaccurate or doesnt belong to me. Ive then reached out to the creditors thats reporting these accounts and asked them to verify any debt. The creditors havent reached out to me with a response, nor did they provide any documentation that verifies this debt. How can they report a debt if they cant verify that it belongs to me? By them purchasing my personal information and sharing it to a third party without my consent is a violation of my right to privacy. I am asking Experian to thoroughly investigate my dispute letter and remove anything that isnt accurate or verifiable. I know that it is their duty to do whats fair and equitable for me as a consumer and report the most accurate information possible. I am aware that Experian must be compliant with all the laws governing consumer rights that they agreed to. The inaccurate information and accounts thats reporting on my consumer report is impeding my ability to obtain financial services or relationships with any potential lender. Included in my complaint is a copy of my consumer report containing the inaccurate information that I asked Experian to block and remove from my consumer report in which this information is both inaccurate and doesnt belong to me. 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Mortgage

I recently reviewed a copy of my credit report from XXXX XXXX XXXX XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by COVID-19. Per the amendment of the FCRA with the CARES Act passed by Congress in March 2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. 

Therefore, I would ask that you please conduct a reasonable investigation on the inaccurate negative information being reported on my credit for any errors or mistakes on your end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX on my credit reports from XXXX, Experian, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Installment ( Secured loan ) Date Opened : XX/XX/year> Balance : {$0.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( XXXX XXXX. XXXX ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( XXXX XXXX. XXXX ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( XXXX XXXX. XXXX ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

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

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds 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 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and sufferingXXXX XXXX XXXX XXXX Account XXXX XXXX Account fXXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX mXXXX XXXX XXXX  credit card account XXXX XXXX credit card account XXXX. Imagine credit card account XXXX text via credit card