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

Dear Credit Bureau Representative, I am writing to formally request, for the second time, that you update my personal information and remove unauthorized inquiries from my credit report. I previously submitted a request on XX/XX/2024 yet these inaccuracies remain unresolved. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau is legally required to investigate and correct errors within 30 days. 
These inaccuracies are hindering my ability to purchase a home and are causing me significant distress. As per my rights under federal law, my credit report should accurately reflect my financial history. Your failure to correct this issue in a timely manner constitutes a violation of the FCRA and is negatively impacting my financial opportunities. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal action. I am providing supporting documentation again for your reference, and I expect a resolution within the legally required timeframe. 

Please confirm in writing once these corrections have been made. I appreciate your prompt attention to this matter. 

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

The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

not updating credit score fast enough just paid off mortgage and the score hasnt changed at all will the other bureaus have change Equifax is worst I have ever seen. They dont respond to communication and no response at all to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax to remove inaccurate inquiries in my account over 4 times in XXXX these Inquiries are unauthorized, illegal, fraudulent, and blocking my obtaining personal and business credits and loan.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate because we were never late and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Today, I noticed some incorrect accounts appearing on my credit report, and I have no explanation for their presence. I routinely monitor my credit report, yet this time, I encountered unexpected discrepancies. Assuming it might be a simple glitch, I refreshed my browser, but nothing changed. Due to this issue, I am asking for a careful examination of the documents I sent so I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I requested a freeze on all of my reports with Lexis Nexis by telephone. I was assured this freeze was to be in place immediately and I would receive further documentation and a PIN for un-freezing when needed. To date my reports thru Lexis Nexis are NOT frozen and I have not received said documentation or PIN after repeated requests to Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report.

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )
Product: Credit reporting or other personal consumer reports

I am compelled to write this letter to formally contest the legitimacy of certain accounts erroneously attributed to my credit profile. These accounts unequivocally belong to another individual, and despite my diligent and repeated submissions of all requisite documentation, your bureau has failed to rectify these inaccuracies. This oversight not only impugns my financial reputation but also represents a flagrant disregard for the verification protocols mandated under the Fair Credit Reporting Act ( FCRA ), specifically Section 611. Upon the initial detection of these spurious accounts, I promptly initiated disputes, substantiated by detailed evidence and identity verification documents. Despite this, the accounts continue to tarnish my credit report. The persistence of these inaccuracies suggests a gross failure to adhere to the stringent verification procedures outlined in the FCRA. Section 611 of the FCRA obligates credit bureaus to conduct a meticulous investigation of disputed information within a 30-day timeframe, verifying the accuracy of the contested information. Should the bureau be unable to substantiate the legitimacy of the disputed accounts, they are required by law to expunge such information from the consumers credit report. The continued presence of these accounts underscores a severe dereliction of this statutory duty. In light of the above, I demand immediate and unequivocal action to rectify this situation : Expunge the accounts from my credit report without delay. 
Provide a detailed account of the verification process undertaken for each disputed account, including specific methodologies employed and any communications with the creditors. 
Issue a written confirmation that these accounts have been removed and that my credit report has been amended to reflect the accurate information. 

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

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX / XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX  XXXX Original Creditor : XXXX  ) : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/2024 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 1681i 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: Checking or savings account

Someone tried to open a US Bank account in my name and a debit card was sent to my previous address. 

Someone tried to open an account with XXXX XXXX y to hat wasnt me
Product: Debt collection

XXXX I got a debt collection letter in the mail from Transworld stating that I owe a company that I never down business with.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I've been working on gettin these inquiries off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX Bank XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have no right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not finish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting energy 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 or any consumer reporting and see if the person also knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th CFPB complaint submitted informing the Credit Reporting Agencies that I am a XXXX XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 INFORMATIVE XX/XX/2022. Also, the Credit Bureaus have claimed that the disputed items are verified and that the Creditors have verified the authenticity and yet they have failed to send me copies of verification.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 I called Army Air Force Exchange Services ( AAFES ) and said I did not open a credit card. AAFES refused to take action, and said I must call back on XXXX XX/XX/2020. 

On XXXX XX/XX/2020 I called AAFES and talked to the fraud department. They asked me to send and email and they would send the letter. I sent the email they requested. I called AAFES to confirm they received the email. The representative refused to ask the fraud department if they received the email. I insisted they ask the fraud department. The representative then checked and confirmed the email was received. 

On XXXX XX/XX/2020 I received a credit card that I did not apply from AAFES. 

As of XXXX XX/XX/2020 I still have not received the promised letter from the AAFES fraud department.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I needed to purchase a new vehicle. I pulled my own credit report and found inaccuracies that needed to be corrected before I could apply for vehicle financing. I began the process of disputing unauthorized and unverifiable hard inquiries on my 3 credit bureaus. Some have been successfully resolved with the creditors directly. The remaining inquiries are still reporting inaccurately. Furthermore, these creditors are reporting different dates for the inquiries across the 3 bureaus. I contacted each company multiple times and was not assisted and no proof was provided to validate the inquiries or prove that I authorized my credit to be ran. The following are the inaccurate inquiries with Transunion : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX requesting that these inquires be deleted immediately in accordance with my rights to accurate credit reporting.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for Community Bank /Victoria acct # XXXX is closed and written off and sold to a XXXX XXXX XXXX. They are both reporting on same account and have been since XXXX. I called Comenity they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.
Product: Credit card or prepaid card

I received a letter from DISCOVER dated XX/XX/XXXX in which I was asked to provide updated information on " citizenship and occupation ''. It was stated in this letter that this information was needed " to meet government guidelines that prevent money laundering and terrorist financing ''. I was provided a choice of either going online or calling the number on the back of my credit card in order to provide this information. 
I did neither! I was appalled at what was being asked of DISCOVER customers! 
It is a known fact that questions about citizenship and employment/occupation are requested when one first applies for a credit card. I was also informed that the only government required information from a credit card customer is an actual physical address ; this being an outcome of XXXX when terrorists were using PO box addresses. 
I contacted XXXX by phone on XX/XX/XXXXand sent an email to them to report what I felt was overreach, potential profiling and misleading content in the DISCOVER letter which could cause individuals to provide this information believing that it is by government mandate when it clearly is not. I also addressed this issue directly with a DISCOVER representative in a recorded phone conversation onXX/XX/XXXX. I have further addressed this important issue with the Better Business Bureau and now with the CFPB - both as of today XX/XX/XXXX. My purpose is to enlighten consumers as to what is being asked of them by DISCOVER and how it is being asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I received an offer for an Ally bank mastercard in XX/XX/XXXX, with an offer of a {$200.00} bonus if I spent {$500.00} on the card by XXXX, XXXX, and the bonus would be paid by XX/XX/XXXX. I never received the bonus. I met the terms of the offer, by spending over {$900.00} on the card, it was never past due, and my savings account with Ally was still in effect. 

I called the credit card team of Ally bank in XXXX, I spoke to 2 different people who both agreed I met the terms and should have gotten the bonus, but they said I had to contact Ally bank directly to get paid, ( somehow the credit card people are separate from Ally bank itself ). I called Ally bank, multiple times and was told it would take 1-2 days. Nothing ever happens. I then started contacting them via chat on the website to have a record of what they were saying. They say the issue was " escalated '' but nothing ever happens. 
Customer service is located in a foreign country. I eventually was able to talk to a manager who just said a " specialized team " was looking into it, but could not give me a timetable. 
It's been almost 7 months since they were to send the bonus. It's obvious they are not doing anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I FIle a dispute with XXXX XXXX XXXX, as they have a Report from Honda financial there. Honda and I had a dispute for a car got into an accident which Honda sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash.

I disute with Honda through XXXX and was at the middle of trying to negotiating, I did offer Honda to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. Honda Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO XXXX THAT Honda needs to delete everything from my credit report as they sold this account and XXXX   has not removed it. 

Honda needs to remove it as it is ilegal to remove it also Thank you