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

I've been disputing the same information that has been deemed fraudulent on my behalf. The Consumer Reporting Agencies are not doing their jobs thoroughly. I've sent in FTC reports. I have not received any investigation consumer report from the CRA 's under 15 USC 1681a ( e ). Like why even exist if they're too lazy to follow the FCRA guidelines? But, instead of doing their investigation they're only just matching information which is not an investigation.

15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Debt collection

XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : _XXXX XXXXXXXX XXXX XXXX WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; JPMORGAN CHASE BANK, N.A. 
NOW, THEREFORE! ON THE DATE OF XX/XX/2020. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM XXXX XXXXXXXX XXXX XXXX DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : [ {$20000.00} ] XXXX XXXX, XXXX XXXX AND XXXX DOLLARS, AND XXXX CENTS. 
[ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH JPMORGAN CHASE BANK, N.A. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF XXXX XXXXXXXX XXXX XXXX CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT. 
REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : XXXX {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THATXXXX XXXX XXXXXXXX XXXX, DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I purchased a vehicle from " XXXX XXXX XXXX XXXX '' in XXXX, Florida. The salesman lied and sold me the vehicle, and the only paperwork I signed was with the understanding that I was purchasing this vehicle for a total amount of XXXX. I then receive information from Credit Acceptance stating I owed XXXX. I have never signed or agreed to such a ridiculous amount for a 2014 XXXX XXXX ( former police vehicle stripped I might add ) close to 10 was pushing it. When I contacted the dealer, he stated not a big deal to call the credit company and refinance. I never agreed to this amount. He was very rude then, and no longer wanted to speak of it. My mother called him as well she was also met with very nasty, rude and unprofessional behavior. We then tried to explain the situation to Credit Acceptance, sent the forms we have showing the significant difference in price, and they just referred us back to the dealer stating they could send the forms, but had nothing further to do with the situation. I am not sure what transpired, but I do know that I did not electronically sign my name to XXXX. The total never came up and was never discussed. I would have never agreed to this amount. I no longer want this vehicle and know that I was scammed during the pandemic with the knowledge that resources were very limited.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( Equifax ). The accounts in question are : XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated XXXX timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXXXXXX XXXX XXXX XXXX XXXX the issuance of a XXXX form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX XXXX XXXX XXXXXXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have gotten the card in XX/XX/XXXXof a credit card limit of 4000 sonce then I made 4 purchases and I have payinv the montly payments even when I was late i was charged the fee and there was no issue Now I am being charge {$780.00} for the month of XX/XX/XXXXon a " promotional revolving charge ''! I dont know what that is. That wasnt explained to me nor was it in any documentation that I agreed when purchasing furniture. Its not right and I want my whole debt cleared with them among with cancelling my card!
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING ......
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced {$89.00} XXXX XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please require Equifax to delete the items from my credit report, as Equifax has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Equifax has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Equifax has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Equifax still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the Equifax Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that Equifax uphold their obligation to delete these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account named XXXX XXXX XXXX on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( Experian, XXXX, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

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

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the delayed removal of fraudulent items from my credit file. As a responsible consumer, I rely on the accuracy of my credit report to make informed financial decisions. However, I have recently discovered fraudulent items on my credit report that are damaging my creditworthiness and reputation. 

I have taken all necessary steps to report these fraudulent items to your agency and have provided supporting documentation to substantiate my claims. However, I am dismayed by the lack of action taken to address this issue and the prolonged delay in removing these fraudulent items from my credit report. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit file and to take immediate steps to investigate the circumstances surrounding their inclusion. Additionally, I request that you provide me with regular updates on the progress of your investigation and the actions being taken to rectify this situation. 

Failure to address this matter promptly will not only harm my financial standing but also undermine my confidence in your agency 's ability to protect consumers from fraudulent activity. I trust that you will take swift and decisive action to resolve this issue and restore the integrity of my credit report. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have informed XXXX XXXX of Second Look Collection agency to not to notify me via phone at my place of employment and to notify me by mail on several occasions. She also made accusations as to why the debt, unknown to me was accumulated. I informed her that I would seek legal counsel regarding the debt, but she stated that she will continue to call me until I agreed to speak with her and provide her with my attorney 's information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 2 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 60 days now and I would like some action taken to get this resolved. I will a FTC complaint if this does not get resolved. I take my credit very seriously and I'm upset these people aint doing job. All I want is for the company to do they job.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Discover Financial Services for failing to remove an unauthorized and fraudulent credit inquiry on my XXXX credit report. I have included a copy of this credit inquiry that appeared on my XXXX credit report ( doc # 1 ). I did not apply for this Discover credit card and have no interest in having a Discover credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a XXXX XXXXXXXX XXXX auto loan. I did not apply for any of these other auto loans or credit card accounts including this Discover credit card with the exception of the XXXX XXXX XXXX  auto loan that I was approved for and used to purchase a new vehicle. I sent a letter ( doc # 2 ) to Discover on XX/XX/2022 explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my XXXX credit since I did not apply for this Discover credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. On XX/XX/2022 I received a form from Discover that was needed for them to conduct an investigation into this matter. I immediately completed this form ( doc # 3 ) and mailed it back to Discover on that very same day. After about three weeks went by since returning this completed form to Discover I called them for an update on this investigation. I was told that the department that handles this requires that all communication is done by mail. I followed up with another letter ( doc # 4 ) explaining that I had wrote a letter to them explaining my situation and that I also mailed them the completed form that they needed to investigate this matter. On XX/XX/2022 I received another form ( doc # 5 ). This is the very same form that I received from them back on XX/XX/2022. Discover is completely ignoring my request to have this credit inquiry removed from my credit report. This is clearly a case of fraud or identity theft and Discover is not taking this seriously. Having these unauthorized credit inquiries on my credit report is having a negative effect on my loan applications, my acquisition of credit and my credit history. Discover is not doing anything to correct this matter and since they requested my credit report without my permission they are required to have this credit inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$470.00}
Product: Student loan

Navient  has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.
Product: Mortgage

Movement Mortgage is withholding my escrow closeout payment. They have 30 days to send this refund. I am now at 90 days of waiting. They state they sent 2 checks that were never received at a verified address. I then made arrangements for a direct deposit that was also never received. I then made the same arrangement again and have not gotten my refund. We did not use them for our current home purchase. I now believe they are intentionally withholding this refund.
Product: Money transfer, virtual currency, or money service

So my cashapp account and card was frozen or locked XX/XX/XXXX XXXX, I was trying to purchase something then my cashapp card declined when it was money in my acc .So then XX/XX/XXXX XXXX my card declined again .So now I cant send money or spend it.
Product: Debt collection

I have come to find that I have XXXX debts reporting on my credit report with XXXX XXXX XXXX. Based on research they have sold this debt to a third party debt collector by the name of XXXX. I have not received any written communication regarding these XXXX debts that are reporting on my credit report. XXXX being for XXXX and the other being XXXX. 

Both items are reporting on my credit report from XXXX XXXX XXXX but have been sold to XXXX. These negative reports has cause hardship in my life. Please investigate as communication has not been properly communicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the bankruptcy which do not belong to me or were opened without my permission.

US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX  XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA Section 605B ( a ) LexisNexis shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.