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

Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by XXXX, XXXX, and Experian Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) XXXX, XXXX, and Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ). 
Nature of Complaint On [ XX/XX/XXXX ], I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. 
The FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe. 
Legal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days. 
15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute. 
Case Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by XXXX, XXXX, and Experian and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. 
Provide a written response to my dispute within 30 days of receiving this complaint from the CFPB. 
Update my credit report with any necessary corrections based on the investigation 's findings. 
Supporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of XXXX, XXXX, and Experian to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please note : ID and Proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and XXXX AND EQUIFAX refused to removed account from my wife 's credit report
Product: Debt collection

In XX/XX/XXXX I received a bill for a service that should have been covered by my insurance provider and was a surprise bill. I started making payments as soon as I was financially able to, knowing that I had 12 months to pay it. From the Consumer Financial Protection Bureau 's website : " Beginning XX/XX/XXXX, paid medical bills will no longer be included on credit reports issued by those three companies. Unpaid bills will be reported only if they have remained unpaid for at least 12 months. '' This reporting of medical debt is in violation of that. 

I was again taken by complete surprise to see this being reported less than a year after I received a bill from the original provider and without any knowledge that this had gone to collections. I received no written correspondence about this company attempting to collect any debt, thus I had no way of knowing that it had even gone to collections. Whether they attempted to contact me or not, I have no way of proving that I did not receive something. 

I looked up the company and called them, asking to verify this debt in some way. They have details about my medical history, as stated to me on a recorded phone call, which is in violation of HIPAA laws. They refused to provide any proof whatsoever, including proof of correspondence or my signature for the release of my medical records to any third party. If they are associated with the provider in some way, this is deceitful. 

I have paid the bill that I received in full and am now showing a balance of {$0.00} ( documentation attached ), however this amount was less than is being reported by AR Resources. I do not know what the additional charges are since I never received any information about this. They stated to me on this recorded line that this would be deleted from my credit report, however again refused to provide any written confirmation of that upon request. 

This is predatory behavior on the part of AR Resources after I was already deceived by my insurance provider in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a business model called the XXXX XXXX XXXX XXXX XXXX through XXXX XXXX featuring its owner XXXX XXXX. I purchased a service where they set up everything to go as PARTNERS to sell affiliate marketing services. Mainly, a diet product. I followed all the requests to purchase additional tools and had given them access to them so they can do their part. I also followed all the trainings to set up the XXXX page required. We have been getting shut down while I have been wasting extra money on paid ads, the reason for the shutdowns I now find out is because they keep creating multiple profiles which is strictly forbidden by XXXX. For this reason, XXXX has shut down my Ad account and I can no longer or ever advertise with them for life for ANY products or services. I have brought all my complaints to the XXXX XXXX support team that is handling my partnership and all I get is the run around. They don't answer. I've posted my complaints on their community forums only to be told to contact support and weeks later I get answers. I keep getting bombarded with emails to purchase additional services to " make my partnership work ''. I was supposed to only pay for this {$1900.00} fee and that was it! The rest of the expenses on advertising is obviously extra but for them to have the nerve to not get my partnership going is just unbelievable. So many other members are complaining and having the same issues. They just ignore everyone and block or erase posts. I have lost enough already, I want this part refunded and this guy XXXX XXXX investigated by the Federal Trade Commission. Paypal Credit is the credit card I used to pay for this and has denied me a refund. They claim that I made a contract with them, I sure did... They did not come up with their part of it! Wasting time responding, having me schedule " call meetings '' that all of the sudden would get canceled all to just gain time on the refund time frame so they could just rob and trick me. They suggest bad practices that I will not go for. It has been more than 7 months already and they have not delivered. Unacceptable.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 
I spoke with the fraud team and they told me I have the right to request those fraud inquiries below for deletion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information Violation 15 USC 6802 ( i ) no one had permission to disclose my personal info, this is a place of abode not my address, I don't reside here, it is a primary dwelling 15 1681 A ( 4 ) Right to privacy Violation Late payment violation 15 USC 1681 B, Stolen Vehicle 15 USC 9613, 9611, 9612 15 USC 1692 ( J ) 15 USC 16666B timing of payment 15 USC 1602 J 15 USC 1692 G 15 USC 1681 A 2 A 2 B 15 USC 1681 N
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX says I have a collection of {$790.00} that is false. I called XXXX and I was told it wasn't me and it would be fixed.Few days later the collection from LVNV FUNDING LLC was REMOVED. 
Then I recieved a call from LVNV FUNDING LLC threatening to put the collection on my XXXX ... A few days later the same collection that XXXX removed because it was not my collection founded by XXXX after completing their investigation. The Company LVNV FUNDING LLC calls me the next day making threats to put the collection back on my XXXX ... in a few day later it was back on my XXXXremember it started at XXXXI disputed it 10 times then it was removed..then LVNV FUNDING LLC ADDED IT TO MY XXXX.ITS BEEN A BACK AND FORTH WITH THIS COMPANY FOR YEARS NOW. NOW THEY SENT ANOTHER COMPANY BY THE NAME XXXX XXXX XXXX THEY'RE HARASSING ME WITH EMAILS AND CALLS. 
THIS has got to be illegal..I want to sue for all these yrs my credit score being affected due to this company and their fraud ways
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX cra violation no knowledge of this account
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX state that I have closed three XXXX XXXX Visa Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXX/XX/XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Account : XXXX  XXXX XXXX XX/XX/2021 Once the fraudulent information has been removed, please send me a copy of my corrected credit report. 

I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX
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., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Reference my prior CFPB complaints ... Discover Card has not only failed to close my account they are illegally and fraudulently and without my permission monitoring my loan activity through other banks and financial institutions. My attached documents will show evidence of this illegal and fraudulent surveillance/monitoring of my loan activities by Discover Card since my last CFPB complaint XX/XX/2018. My attached documents will show evidence of this illegal and fraudulent harassment via " alert '' emails and texts by Discover Card since my last CFPB complaint XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX or XXXXXXXX XXXX XXXX requested a copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from XXXXXXXX XXXX XXXX XXXXXXXX through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from 3 companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts/items do not belong to me. Please delete immediately. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX account is not mine. Action Requested : Please delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.
Product: Debt collection

Fraudulent report to my credit with an inaccurate charge off date when no payments or activity have been made to the account in XXXX years.
Product: Vehicle loan or lease

I tried on numerous occasions to talk with someone pertaining to the Santander settlement. I have been patient and I would like this account closed and deleted according to the Pennsylvania Santander Settlement and also The FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY TRANSUNION REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY TRANSUNION, XXXX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, TRANSUNION BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is for chase freedom credit card. They have a promotion for XXXX XXXX that if u make purchase no late than XX/XX/XXXX there, you will get 20 % cash back ( up to 36 ) in 14 days. I made a purchase on XX/XX/XXXX for amount about {$120.00}. I have not received cash back as of XX/XX/XXXX so I called them. However, I was told there is no such promotion. Luckily I saved promotion and attached it here. I am also attach receipt here.