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

I am submitting to address a matter regarding a prior investigation into certain accounts that harbor inaccurate information. Upon careful review of your response, it has come to my attention that several accounts still exhibit inaccuracies despite being marked as verified. I kindly request your attention to rectify the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$3000.00} EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Bank account or service

I have been charged over {$600.00} in overdraft fees the past few months because of the way TD Bank illegally reorders transactions to their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

Upon pulling my credit reports from Equifax I discovered that you had reported fraudulent inquiries within my credit file. This account has previously been disputed with your company, which advised me to continue the dispute with you. My credit file has been impacted by these fraudulent inquiries. The below creditors have no proof that I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. In light of the fact that there is no evidence of my authorization, nor any permissible purpose, I request that you remove these authorized inquiries from my credit report immediately. In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates. 
Under 15 U.S. Code 1681i, Paragraph ( 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- ( i ) promptly deleted. 

The following inquiries are unauthorized : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX. XXXX XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX. XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.

In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ). In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report. 
These accounts were not opened by me, and I did not give my authorization for them to be pulled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX with a balance of {$9300.00}. The original creditor is XXXXXXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Information on Credit Report Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to ensure the information in my credit file is fair, accurate, and complete.

Upon reviewing my credit report, I discovered an item indicating a charge-off by XXXX XXXX XXXX XXXX on XX/XX/XXXX The specific details of this entry are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount of Charge-Off : {$39000.00} Account Status : Charged-Off I believe this information is inaccurate for the following reasons : 1. I have no knowledge of the account.

I request that you conduct a thorough investigation into this matter, as the FCRA requires. During this investigation, please verify the accuracy of the reported charge-off and provide me with any documentation supporting its validity.

Furthermore, if you can not verify the accuracy of this information, I demand that you promptly remove the charge-off from my credit report per the FCRA. 

Please notify me of the results of your investigation in writing within 30 days, as stipulated by law. 

Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents you are including, such as payment records or correspondence with the creditor ]. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution of my dispute. 

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

I XXXX XXXX have tried multiple times for the past XXXX months to dispute some inaccurate information on my credit report with all three credit bureaus and none of have tired to help me with my issue and I am getting completely fed up with it because none of the bureaus are being compliant with federal law or even following their own policies written on their website. 

I talked to an attorney and he said that there are certain laws that the credit reporting agencies have to follow in order to be compliant with federal law. He told me that one of the things they must do when an item is disputed on a credit report is that they must temporarily delete it while it is under investigation and ALL THREE bureaus failed to do that! Not once has anything disputed been deleted during the investigation. Also he said that they must have my permission to report or furnish anything that is on my report, and I never once gave any of the bureaus any permission to report any of the items I have disputed over the past 6 months. In fact I blatantly told them to delete the information. The attorney said the section of federal law that describes this is called permissible purpose He also stated that in order for them to do a proper investigation to my didputes they must inverview my friends neighbors and relatives and well as my mode of living. I asked all of my neighbors if anyone has had any contact with them in regards to my credit report and none of them have heard a thing! 

I was unable to hire the attorney but he did lead me to you the CFPB to help me out with my issues, so I ask that you please help me enforce my rights as a federally protected consumer and as well as to make sure and enforced that the credit bureaus are following federal law as well as their own policies that they have on their own website.
Product: Debt collection

I was contacted by Capitol Accounts stating that they owned the rights to a medical debt not covered by my insurance and that had caused a derogatory mark on my credit report. 
Having an agreement with the representative to pay the amount in full and in return have the collection removed from my report, I paid the balance. Not only was the derogatory remark not removed as agreed, it still reflects the original balance that was already paid. I contacted capitol accounts via phone to rectify the issue but kept getting place on hold indefinitely, which I believe is intentional. I also tried communicating via mail but to no avail. I do have proof of the payment via my bank statement if they want to challenge this dispute..
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS XXXX XXXX Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Mortgage

I have a mortgage with Caliber Home Loans. I am the only borrower on the loan, and my ex wife is successor in interest. Caliber home loans has been stating that because my ex wife is successor in interest, that she can make the same changes to our mortgage account as I can. For example, on XX/XX/2021 they allowed her to change the homeowners insurance and never even contacted me that it had been changed. Furthermore, on the phone several months ago they indicated they would be reporting her social security number to the IRS on form 1098, even though I am the primary borrower and am liable for the mortgage, and they have been reporting my social security number to the credit bureau. It is my understanding that successor in interest is only allowed to receive copies of documents while the borrower is alive, and Caliber refuses to agree with this.
Product: Credit reporting

I mailed Transunion a certified letter asking them to provide me with details of several negative trade lines that were listed on my credit report. They responded after XXXX days informing me that they verified details of the negative account I listed. I believe Transunion did not do a sufficient investigation. XXXX of the account XXXX XXXX XXXX is a payday lender. If Transunion had done a proper investigation they would have discovered that this was a payday lender, and that payday loans are illegal in New York. I would like Transunion remove the accounts I requested information on. Following my initial dispute I sent XXXX additional letters to Transunion asking them provide me with the method of verification. I also spoke with a customer service representative in regards to the XXXX XXXX XXXX account. I spoke with a supervisor and asked them to provide me with details of who they spoke with to verify the details of the account. I asked them what documents did they review. The outcome of that call was the supervisor offered to add an additional dispute in regards to the wrong type of account being listed. XXXX XXXX XXXX listed it as an installment loan. The supervisor mention this additional dispute would take another XXXX days. I can provide additional documentation in regards to this if necessary.
Product: Debt collection

I sent a certified letter to the XXXX collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is LVNV and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. 

I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or LVNV have produced a document of any type and I only get a notice that the debt has been verified. 

I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file. 

Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. 

I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by LVNV to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. 

If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. 

If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. 

I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to USAA and police reports. The account # Visa ending in XXXX was not removed from XXXX and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted USAA and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. USAA is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to challenge these claims in my report, but my challenge has been disregarded. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. 
XXXX XXXX Balance : {$180000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MI XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 7. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

NCC Business Services is calling my cell phone about a debt owed by someone else. They keep saying " If you are? ( can't make out the person 's name ) press 1 to speak to a customer service rep. '' I am not the person mentioned and can't understand or hear what the person 's name is that they want to speak to.
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 XXXX on XXXX XXXX 2023 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

Equifax you reported verified a violation you can not do that only the consumer can enclosed are my written request by law that you need to follow under the law exactly as per my request XXXX XXXX