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

To Whom it may concern? 
I have noticed Inaccurate information being reported and sold to several agencies, the inaccurate Personal Information continues being posted on Innovis XXXX solution when I did not authorize for Innovis to obtain or trunk personal information, this information has been Misled with the wrong address and telephone number I am asking from Innovis to delete any Personal information Reported Without authorization from the consumer Innovis is a third-party bender Assuming the role of a Credit Bureau XXXX as mentioned from one of his employees on XX/XX/XXXX. 2024 at XXXX XXXX Please Im asking Innovis to delete All personal data Not authorized by the consumer. I will be sharing a PDF file of my right to delete that information, along with the information that Innovus is requesting in order to Identify my personal information in order to delete what is on file and Justice to inform Innovis I do not have to provide my Social Security to your agency to identify my identity. If you can not provide the consumer the the information Requested by the consumer Delete the information as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, AZ XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/1985. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


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

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

We paid off our HELOC on XXXX XXXX, XXXX and we have not been able to get Bank of America to discharge the mortgage. 

Can you please ask them to discharge my mortgage and record the discharge? 

Thank you very much.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXXXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account property after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts autombile : Account Number XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Violation of Rights and Request for Compliance with Federal Regulations To Whom It May Concern, I am writing to express my deep concern about the collection practices of National Credit Systems, which I believe are in violation of my rights under federal regulations. Specifically, I have identified several instances where National Credit Systems has failed to comply with the following regulations : XXXX. 12 CFR 1006.34 ( d ) : This regulation mandates that debt collectors must provide accurate and verifiable information in their communications. Despite my repeated requests for validation of the alleged debts, National Credit Systems has failed to provide sufficient evidence to verify the validity of the debts being claimed, thereby violating this regulation. 

XXXX. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to be licensed and bonded. However, I have not been provided with any evidence that National Credit Systems is compliant with this requirement, raising concerns about the legality of their collection activities. 

XXXX. 15 USC s27a : This provision of the Fair Credit Reporting Act imposes obligations on debt collectors to provide accurate and up-to-date information regarding debts. I have reason to believe that National Credit Systems has not been transparent in their reporting of the alleged debts, leading to further concerns about the accuracy of their claims. 

XXXX. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation stipulates that debt collectors must adhere to certain standards when communicating with debtors. Despite my requests for validation and proper documentation, National Credit Systems has engaged in aggressive and harassing communication tactics, which is a clear violation of this regulation. 

I demand that National Credit Systems immediately cease all collection activities until they can provide valid verification of the debts and PURCHASE AGREEMENT between them and original creditor regarding account # XXXX open date XXXX in question and demonstrate compliance with the aforementioned federal regulations. Failure to do so will result in further action to protect my rights under the law. 

I expect a prompt response from National Credit Systems addressing these concerns and providing the necessary information to ensure compliance with federal regulations. Thank you for your attention to this matter. 

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

The Credit Bureaus never did a proper investigation according to the FCRA. 

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.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the No. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. XXXX also re-aged my account. This is all grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank is charging me for a car that was a total lost and the insurance was supposed to paid off the debt.
Product: Credit card

My sears account is closed, however a 30-day late payment is reporting on all of the XXXX credit bureaus. I have always paid this account on time. I have tried disputing this account with the credit bureaus each time it comes back verified and i have not received and proof that I was 30 days late. I even contacted sears and they gave me the run around. I contacted the XXXX and they gave me a XXXX number to call in reference to my account because the representative said she could only view six months back. When i contacted the XXXX number the guy stated that he could not help me and transferred me back to the XXXX. The next representative place me on holding stating that she would look unto it, but instead of coming back on the phone she transfer me to sears online. I am disappointed in sears company no one seems to know anything. If sears or the credit bureaus can not show me verifiable proof that i was 30 days late, then I demand you delete this inaccurate claim from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to fix a hard inquiry on my credit report from XXXX. Equifax responded on XX/XX/2018 stating nothing more that it was accurate. I never consented to XXXX accessing my credit report and they never asked. When is Equifax going to take full responsibility and start doing their job instead of just sending a bogus letter stating that they see the inquiry was made and it must be correct because XXXX   submitted it. That is ridiculous. Credit agencies should be penalized if they don't investigate or take the wrong information and delete it. Equifax directs me to contact XXXX  for details. Well if I needed to contact XXXX I would have done so but I asked Equifax to do their job but it seems they don't care and just slide the work to the customer or someone else.
Product: Bank account or service

On XX/XX/XXXX, on my way home from work, I had stopped by a XXXX to withdraw {$20.00} from the atm on that site, and to make a purchase as well. When I got home, I had checked my account balance and had noticed that {$450.00} was missing from my checking account. Following procedures, I called Bank of America to notify them of fraudulent activity, and that money had gone missing. My account was put on a hold until I had obtain a temporary card, and the {$450.00} was credited back to my account. On XX/XX/XXXX, i went to make a purchase at a local gas station, and my card was being decline. I checked my account to find the reason why, and noticed that Bank of America had taken back the {$450.00}. When i called the bank to question as to why that money was taken, I was told that because I had used the atm at that particular store in the past, that they couldnt find any fraudulent activity, and/or that some one had prior knowledge of my account information and was able to make that withdraw. I argued the fact that I had not made that withdraw, for the amount said, nor did I authorize that transaction to be made. As far as I am concerned there is or was fraudulent activity made against my account. I even went as far to have my claim resubmitted to Bank of America- and again, my claim was denied, with Bank of America claiming that they found nothing that seemed fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secure credit card with citi bank last year I had XXXX XXXX on time payments right before my first year mark was coming up citi bank closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not citi bank
Product: Credit reporting, credit repair services, or other personal consumer reports

For the CFPB In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto finance, trade-line reporting on my credit report when the trade-line is not my. Every time I dispute the account the balance increases and the 7 year drop off mark increase also. The1st negative date change from XX/XX/2016 to XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.
Product: Credit reporting, credit repair services, or other personal consumer reports

This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.
Product: Credit reporting or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My on phone number is XXXX My only place of employment is XXXX XXXXXXXX. 
Please remove all other information
Product: Credit reporting or other personal consumer reports

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

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

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

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX0} XXXX : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$XXXX}
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX Balance : {$69000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX should be showing Closed - Never Late. 
XXXX was the servicer of the loan in XXXX when XXXX XXXX XXXX claims that it was late. As you can see from the attached letter. XXXX shows that there wasn't a late payment. Also attached please find a screen shot of my credit report from XXXX showing accurate information how yours should be showing. We were always in forbearance and this account was never late.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXXXX/XX/XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of XXXX XXXX XXXX XXXX XXXX.XX/XX/XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b