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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. Code XXXX ( XXXX ) XXXXreatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : - XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30  days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

Discover Bank is reporting my credit card with account number XXXX as being 30 days late with different dates on each credit report. XXXX  is saying I was late XX/XX/XXXX, XXXX is saying I was late in XX/XX/XXXX and XXXX  is saying I was late in XX/XX/XXXX. Please verify that I was 30 days late on XX/XX/XXXX through XX/XX/XXXX with this account because it does not match my records. Once you conduct your investigation on the payment history being reporting on this account, you will see that it is in violation of the FCRA along with FACTA 312 which is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I decided I wanted to start working on my credit score. I was able to create an online account with both XXXX  and XXXX  with no issues. When I tried to create an account with Equifax I got this message : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' The number listed to call was XXXX. 

I called that number and after spending 10 minutes with the automated system answering different questions I finally spoke with a gentleman who only spoke very broken english. He told me that in order to create my account I needed to fax my driver 's license and social security card to Equifax 's fax number at XXXX, and to include a brief description with my name and why I was sending it in. I did that immediately following our phone call. 

Quite some time had gone by with no further contact from Equifax. Today, XX/XX/2020 I decided to call Equifax. Again, I spent 10 minutes with the automated system, and again spoke to a woman with very broken english. She looked into my account and could not find my documents. Naturally, this is very concerning to me considering the nature of the documents I had to fax in. I did confirm with her that I had changed my full first, middle and last names a couple years ago which explained why I needed to do this in the first place. 

She told me that there was no way for her to track down where my documents ended up. She could not provide me with a department name or phone number to call. When I asked to speak to a supervisor she put me on hold and never came back to the line. 

Normally I would not be upset however this encounter is really disturbing for me. I have no way of knowing if an employee at Equifax stole or misplaced my very sensitive documents and there is nobody in the call center who can help me track down where they might be. I know for a fact that my fax was delivered and received because I still have my fax confirmation. If it had failed to send I would have gotten an error instead.
Product: Credit card or prepaid card

Late payments derived on this account were due to XXXX work stoppages and shutdown. Capital One openly advertises a XXXX XXXX payment relief program on its website for ongoing customers. Yet, with regards to my closed account that has had payment settled and the account has been closed for XXXX now, I am being told that the account can not be deleted from my credit report and any late payments will not be deleted even if they occurred and were directly caused by the global XXXX pandemic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE : XX/XX/year> SUBJECT : Demand for Removal of Fraudulent Collection Account Due to Identity Theft I. INTRODUCTION This legal brief serves as a formal demand for the immediate removal of the collection account associated with the alleged debt from XXXX XXXX, dated XX/XX/year>, with a balance of {$400.00} from all credit reporting agencies. The account has been opened in my name without my consent, constituting identity theft as defined under federal law. Failure to comply with this demand will result in litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX, IL XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

FICO score modeling done by TransUnion and provided by XXXX  XXXX XXXX and others is flawed because it penalizes someone -- and says that it does -- for NOT having non-mortgage loans. My score dropped 11 points last month, from XXXX to XXXX. Here is a copy and paste of their bizarre explanation/justification, which makes absolutely no sense to anyone with 1/2 a brain : " Congratulations! You have an exceptional FICO Score, with minimal impacts from the information below. Keep up your good financial habits! 

Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a person 's credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 
Keep in mind : In general, people who purchase with an installment loan, and pay back the loan on time tend to demonstrate the ability to manage a variety of credit types. However, a new account opening, and to a lesser extent the credit inquiry associated with applying for a new account, may demonstrate higher risk in the short term. 

I don't even have a mortgage loan -- and haven't in 3 years since my mortgage was paid in full -- and my credit cards are paid in full automatically every month ; my 12 year old car was paid in full 7 years ago ; and if I wanted a new car now, I would pay cash for it because I don't have a need and don't want any bank to make money by lending me money. So why -- because I don't have an " an auto or student loan '' should I be penalized for this? Their modeling and the assumptions they make simply do not make any sense and are unfair to me and probably a whole lot of other people who don't take the time to complain to you. There is no justification for them to simply throw the entire population into the same box and form their reports for everyone using the same, very generalized criteria.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX  XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX | Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on  November 03, 2022, to remove items that are UNKNOWN  to me. I came across this law today and according to the Per FCRA  605B (15 U.S.C.  1681c-2) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance: $0.00; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a emergency XXXX at XXXX XXXX XXXX in XXXX, WY in XXXX of XXXX, I was given financial aid for this XXXX. They didnt notify me until almost a year later that my XXXX was not covered and started call hours of the day and some night and sold my debt to Rocky Mountain recovery services and they did the same things over and over again, calling multiple times in a day and threatening me and would yell at me over the phone. I believer writing a complain against them before sometime in XXXX or XXXX. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE YOUR ORGANIZATION CONSENT TO FURNISH REFERENCED ITEMS TO MY CONSUMER REPORT IN ATTACHMENT
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the undersigned XXXX, hereby declare under penalty of perjury that the following statements are true, correct, and complete to the best of my knowledge and belief : 1. Unauthorized Use of Personal Information I did not authorize any individual or entity to use my name, Social Security number, or any personal information to obtain money, credit, loans, goods, or services, or for any other purpose. Any accounts or inquiries associated with my name that I did not initiate were established through fraudulent means.

2. Identity Verification I am prepared to verify my identity using the following documents, which I have attached to this affidavit : A copy of my Passport ID A copy of my Social Security Card A recent Bank Statement showing my current address to confirm proof of residence XXXX. Inaccurate and Fraudulent Information The following accounts were fraudulently opened or linked to my identity without my authorization. I request that these accounts be immediately removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized Credit Inquiries I also request the removal of the following inquiries, as they were conducted without my consent and are the result of identity theft : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Employment Information The following employment information is outdated or incorrect and was likely used fraudulently. Please remove it from my credit report : Employment Information : XXXX XXXX XXXX XXXX. FTC Identity Theft Report I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The report number is XXXX, and a copy is attached to this affidavit as further evidence of my claim.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal and urgent complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) for their egregious and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft case. Despite providing two separate FTC Identity Theft Reports, along with my government-issued identification and supporting documents, the credit bureaus have continued to share and report fraudulent information tied to my personal details.

SUMMARY OF VIOLATIONS & CFPB ACTION REQUESTED Despite multiple disputes, the credit bureaus have knowingly and negligently allowed false, fraudulent, and identity-theft-related data to remain on my credit file, violating FCRA 605B, 609, 611, and 623. These violations have caused irreparable damage to my financial standing and personal well-being. 
They have failed to block fraudulent information after receiving my FTC Identity Theft Reports, which is a direct violation of FCRA 605B.

They have refused to provide proper verification of disputed accounts, inquiries, and fraudulent addresses, violating FCRA 609.

They have knowingly and recklessly continued to furnish fraudulent information, causing harm to my financial stability, in violation of FCRA 623. 

They have ignored multiple requests to reinvestigate, despite their legal obligation under FCRA 611, resulting in prolonged financial distress. 
They have continued to share fraudulent data with third parties, actively damaging my financial reputation, which is a serious breach of federal consumer protection laws. 

HOW THIS HAS DESTROYED MY LIFE Because of the blatant failure of these credit bureaus to follow the law, I have suffered severe and ongoing harm including but not limited to : Being denied credit, housing, and financial opportunities due to fraudulent accounts and inquiries affecting my creditworthiness. 
My personal data being misused and linked to fraudulent activities, causing extreme financial distress and emotional anguish. 
Harassment from debt collectors over accounts that are NOT mine, even after providing identity theft documentation. 
An inability to rebuild my financial life because fraudulent information remains on my credit file, despite my legal right to its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX  Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported.Please validate this information with (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX, XXXX Account # 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: Credit reporting or other personal consumer reports

Transunion has yet to delete accounts from my credit report according to the fair credit act yes. The companies has yet to send letter of validation.
Product: Debt collection

This account is incorrectly reported in my credit report. It was a co-signer responsible for the debt, not me. this is not mine.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/24, I filed a credit report dispute with XXXX concerning a collection entry attributed to IC Systems on my credit report. Within my dispute submission, I furnished concrete legal evidence validating the full payment and settlement of the account in question. This submission substantiated that the collection attempt was not only unlawful in its pursuit of debt recovery, but also posed a detrimental threat to my credit history. Regrettably, the subsequent investigation by the credit reporting agency conspicuously dismissed the irrefutable documentation I presented as evidence. Instead, undue emphasis was placed solely upon a statement offered by the collection agency. This course of action undermines the legal protections outlined in state statutes, which are designed to safeguard consumers against unfair and illicit credit reporting practices. I am deeply concerned by this blatant disregard for the legal rights and protections afforded to me as a consumer. The actions of both the credit reporting agency and the collection agency deviate from the parameters set forth by state law, infringing upon the fundamental principles of equitable and transparent credit reporting. I am appealing to the Consumer Financial Protection Bureau to ensure that my rights are upheld, and that the appropriate corrective measures are taken to rectify this situation. It is my firm belief that through the enforcement of relevant state laws, my case will be given the legal consideration and confidence it rightly deserves
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act CREDIT ACCEPTANCE CORP Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

Beginning XXXX XXXX I began conversations with Cash App support bc my account was hacked and monies stolen. Im trying to get the account closed bc the account is compromised now. Im continuing to get codes from someone else trying to access the account. Cash app doesnt reply and or replies with questions only no resolution.