23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who it may Concern : I have contacted Trans Union, XXXX, and XXXX more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeTrans Union shows a last date active of XX/XX/XXXX, XXXX showed a date of XX/XX/XXXX, and XXXX showed a date of XX/XX/XXXX. Trans Union has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?
Product: Debt collection

My name is ( XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2000.00} Status Open. {$6.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$29000.00} Status Open. {$120.00} past due a
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file with the account listed as XXXX Account # XXXX. This account has not been properly validated or verified as belonging to me BEFORE it was placed on my consumer file. There is also no creditor information listed about this allege debt where I can follow up and verify this information myself. How were the consumer agencies able to verify this debt? What documentation was used or who did they speak with that stated this was my debt. There are several inconsistencies within the account which means this account has not been properly validated. 


Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- -- Account Rating : Derogatory Open Derogatory Creditor Type : Miscellaneous Government Federal State Payment Status : XXXX Current Late 120 Days Creditor Remarks : Collection Account Placed for collection Current account/was a collection account, insurance claim or government claim or terminated for default. 

Child/family support Collection account Payment Amount : {$0.00} {$280.00} {$280.00} Last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- 1 -- Past Due Amount : {$280.00} {$0.00} {$280.00} Account Type : Child Support Family Support Child Support ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Capio partners reported a debt on my credit report in the amount of XXXX XXXX XXXX XXXX XXXX. For one, I have never received a notice from Capio Partners in the mail that I had the right to dispute the debt or any validation from them regarding this debt. This was reported on my credit report without notifying me or sending me anything in the mail. If I would have received anything, I would have been able to contact them and let them know that I had I insurance to cover this bill and XXXX XXXX had a billing issue. 
They violated the Fair Debt Collection Practices Act by not notifying me that I had the right to dispute this alleged account nor did they validate this account as required by law.
Product: Debt collection

Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Equifax as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has  administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Equifax credit report on collection accounts. Equifax inserted in the comments Consumer Disputes Reinvestigation in progress. Collection Account and Collections in the comments and as account status. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Equifax and asked them to remove the comment. I told Equifax that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Equifax themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear BANK OF XXXX : Why does your hard inquiry ( XX/XX/2018 ) appear on my XXXX XXXX credit report ( XXXX )? Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I am trying to resolve an issue i have with Navy Federal. My checking account was closed due to an excessive overdraft that i didn't authorize. My debit card was used to withdraw funds that weren't available but were approved by my bank. I've reached out to the via phone an mail after i tried to open a new account but was denied due to those fraudulent transactions that caused my checking account to be closed. I don't want that account to be reported to XXXX or added as a derogatory account on my credit report. I have researched others who've had similar issues and became aware of other customers with this problem as well as having their Navy Federal accounts hacked by others.
Product: Credit card

I am formally requesting your assistance regarding the reporting practices of Capital One related to my account number XXXX. 

I have recently discovered that Capital One is reporting this account as being XXXX days late, despite the fact that this account was closed in XX/XX/2021. It is misleading and inaccurate to report late payments on an account that is no longer active. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), creditors are obligated to report accurate information to consumer reporting agencies. Reporting late payments on a closed account violates this obligation and can have a detrimental impact on my credit profile.

I have made multiple attempts to contact Capital One to address this issue, but unfortunately, I have not received any response. Therefore, I am requesting that the CFPB investigate this matter and take any necessary actions to ensure that Capital One ceases reporting any inaccurate information related to my closed account. 

I would also appreciate it if you could facilitate a resolution that would lead to the removal of any derogatory remarks associated with this account from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to include the following fraudulent account I recently noticed that is being reported as a collection and hurting my ability to obtain credit. Please remove the following fraudulent collection account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a XXXX in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account # ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello All, XXXX Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent collections and unknown addresses from my credit report, which I believe are negatively impacting my credit score. After a meticulous review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have enclosed supporting documentation that validates the correct information. I am pleased to request that you investigate this matter and remove the inaccurate collections and unknown addresses from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 USC1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items of information, other than records of convictions of crime 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX UNIVERSITY XXXX  ) XXXX XXXX BANK XXXX XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

This account, XXXX XXXX, has recently been verified yet it continues to display inaccuracies and incomplete fields, contrary to metro 2 standards which require that all data must be accurate and fully completed with no empty fields or fields labeled no data. These discrepancies are significantly impacting my financial profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

the equifax computer web site is consisitently going out of service and i am getting a home and it is a reeal problem.
Product: Credit reporting or other personal consumer reports

This account shows conflicting dates of last activity across the credit bureaus. Experian reports the last active date was XXXX, while XXXX reports that nearly one month later. This inconsistency is a violation of the Fair Credit Reporting Act, as it inaccurately extends the reporting period and harms my credit score.

This is an inaccurate payment history reporting. If the information is coming from the original creditor, the dates should be the same. We can not say this account is 100 % accurate so it is deemed INACCURATE. Please delete from my credit report. 

This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX looks to have found several inconsistencies and deleted this erroneous information. Experian and XXXX failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX  business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I found an accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/scrub>XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX LLC