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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : 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 ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$600.00} date opened XX/XX/XXXX XXXX XXXX balance {$50.00} date opened XX/XX/XXXX XXXX XXXX - XXXX XXXX {$890.00} date opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX!! Informed the company I have been out of work for XXXX XXXX  They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration
Product: Debt collection

XXXX XXXX , XXXX. continues to attempt to collect on a debt that was identity theft. I was a victim of aggravated Identity theft and the bank as well as XXXX XXXX XXXX XXXX both know this. It has been reported to the Federal Trade Commission and the local police department. This account is for {$18000.00} and it is not valid as I hold zero fraud liability and they need to respect that. Respect the FCRA and both state and federal law regarding citizens who have been victims of Identity Theft.
Product: Credit card

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of credit card reporting. Accounts ending in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & date XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Student loan

Navient is refusing to place me in an income driven payment plan due to that fact that I have not submitted a XXXX for a secondary job I had earlier in the year. However, I submitted a signed affidavit stating how much money I made and per the Student Loan Income-Driven Repayment Plan application, that kind of information is accepted as income verification. I followed the instructions completely. However, as the documents attached show, they are saying I have not provided income verification. They are attempting to place me in the standard repayment option. 
Additionally, this past XX/XX/XXXX I informed Navient that I was re-entering school and asked them to NOT place my loans in deferment, however they placed my loans in deferment anyway, and informed me that I would not be even able to enter into a payment plan for XXXX months after leaving the deferment. So I can not make qualified payments for a payment plan for loan forgiveness until XX/XX/XXXX now.
Product: Debt collection

After submitting proof the debt was paid and not receiving acknowledgement I submitted proof of payments to CFPB. Even after being XXXX I managed to pay the entire {$130000.00} and they still are trying to collect {$120.00} more. I want this removed from my credit report!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

My credit builder account was closed for said delinquency. There was no delinquency at all. They also took {$200.00} from my account when I spoke with an agent and was told I owe nothing. Its a secured card you can only spend what you have in the account. I was mishandled by chime. I took a major hit on my credit. They have admitted fault but disconnected the chat when i asked to be refunded. I have screenshots of the conversation.
Product: Debt collection

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Re-investigate the information shown in this account or delete this account information from my credit report, because I believe it may be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repo for a car I never had they threatened to ruin my credit and it is not there business that the car was repo it was in my name. I need this account removed its not mines. I don't know who this is please I don't have no where to turn
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on medical leave, missed one credit card payment, XXXX late, to XXXX XXXX XXXX XXXX. As a result of that one error, a different card reduced my credit limit to the balance on the card, which was 50 % of the original limit. After that one did it, three more did it, reduced all limits to the balance on the card. Domino affect, bad credit rating, and a false report that says 'excessive spending maxing out cards. '' I did NOT spend the max, I didn't spend ANYTHING, but the cards all decreased the credit limits. Which then jacked all my interest rates.

The algorithms used to report are faulty. If you make ONE error, you should not be robbed and gouged by other companies.

What is the law that protects consumers from this faulty scoring, which says " over spending '' when the credit card companies caused the appearance, by lowering the limit to the balance on the account? One of the accounts had a {$15000.00} limit, I owed $ XXXX, they dropped the limit to $ XXXX, immediately making appear I'd been running around spending all the credit limits. 

HOW DO WE FIX THIS? I NEED HELP. I managed to make it through the pandemic and not declare bankruptcy, even though I was out of a job for a year, with proof of job search daily. when I DID get it a job it was at 50 % of my previous salary. And still, I managed to survive without being lazy, AND I got no help from taxes or any other government funding. 
THIS FAULTY ALGORITHM AND CREDIT CARD COMPANY FRAUD is even more destructive.
Product: Checking or savings account

I called SunTrustin order to find out my balance and was told that I still have {$90.00} in my account. So i charged {$63.00} and incurred two overdraft fees because the {$90.00} was apparently incorrect.
could you help in this case?
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX PL XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$14000.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$14000.00}, XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

I have had a credit card with wells fargo for over 10 years. Recently they gave the management of the card to XXXX. Our credit standing for our non profit whose name it is under, is perfect. In XXXX they said that we needed to provide tax returns in order to maintain the card. Never requested that before. i have never been asked this from any of my credit cards. they have since closed the credit card.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX ( direct from XXXX ). I paid using my Apple Card and put the phone on an interest-free installment. The toal amount I paid was {$87.00} for taxes and fees plus the first installment. I agreed to be billed {$22.00} for 24-months for the remaining cost of the phone. XXXX shipped me a phone and that phone was lost in transit and never received. XXXX  opened an investigation and never found the phone, they think it was lost in XXXX. I contacted XXXX and they offered to send a replacement and they did. I received the replacement on XX/XX/XXXX and it actually arrived broken. There were purple lines on the screen and I returned it on XX/XX/XXXX to XXXX. They confirmed it was received and refused to issue me another replacement phone because of the holiday rush. So, I cancelled the order and requested a refund. After a full month, XXXX management finally calls me and issues a full refund. The problem is that they issued a full refund for {$1000.00}, not the {$87.00} that I paid and did NOT close my installment plan as they promised they would. I contacted XXXX again in XX/XX/XXXX and asked them to fix the issue and to close my installment plan, as I only paid {$87.00}. The {$1000.00} that they refunded I did receive, but it applied toward the balance I already had on my Apple Card, not my installment. The installment is still active and the manager I spoke to at XXXX Senior Management, named XXXX, said that XXXX could not close my installment and they did not care about fixing the issue on my credit card. XXXX told me that XXXX couldn't do anything further and hung up on me. She wouldn't tell me anything else except that she was " XXXX, a manager with XXXX. ''
Product: Credit reporting or other personal consumer reports

My credit report contains billing errors, such as late payments, that don't align with my payment history. Please correct these issues and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The PHOENIX FINANCIAL SERVICES has added an older collection account to my credit profile as a " new '' collection from XX/XX/XXXX, it was sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my credit score. The original creditor ( XXXX XXXX XXXX ) shows that the open date for the account is, I believe XXXX of XXXX, not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit score and future, is deeply concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage processor incorrectly reported my 30/60 days behind at beginning of my covid forbearance. 

They have since suppressed the reporting. I have contacted and opened multiple disputes at Transunion. Transunion tells me that there is nothing negative on my credit report to dispute and that my report is fine. 

But Im being declined for credit from Upgrade lending and the key factors are " serious delinquency '' clearly on my credit applications. I also have XXXX reducing my credit limit and when I look at my Fico score it says " serious delinquency '' I have asked multiple times to speak with a supervisor but I dont receive any calls back. 

Even inside Transunion account it says accounts with adverse information and lists my mortgage processor. 

See the attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX  SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" XXXX-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' 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 15 USC 1681. 

Account name XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX Account numberXX/XX/XXXX has violated my rights. Or 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

There are address on my account that I never lived at. There are old accounts that should be taken off my credit report. I have been denied credit.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing due to this agency, XXXX XXXX, showing up on my credit reports on XX/XX/XXXX & today XX/XX/XXXX. I have no knowledge of this account or debt and have never done any business with this  company. I am disputing that I owe them anything. This is reporting negatively on my credit profile as an open account and I would like it removed as it is reporting to the Credit Bureaus and negatively affecting me, an unfair. This information was also shared illegally without my informed consent. I would like this collection agency and any associated debt removed immediately due to it reporting to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and possibly XXXX in the future, and it is negatively affecting my credit report. Thank you
Product: Debt collection

I received a phone call on XX/XX/2019 from XXXX stating that he was a 'Compliance Officer ' for XXXX County regarding a case number XXXX and said that i needed to contact XXXX to discuss my options. He said that there was an 'Order of location ' out for me and that he would show up to my residence or job and require two forms or identification and I would need to sign the documents. I called XXXX and it was answered Midland and they said there were trying to collect {$3000.00} out from XXXX XXXX XXXX. They said that they would send it to court and that I would lose so I need to pay it now. I asked for them to send me verification of the debt and they told me they don't need to. I asked who were they and they told me that I just need to pay right now. She got defensive and told me she is not going to argue with me anymore she is just going to send my account to the judge and she will get her money one way or another. She yelled and screamed at me and harassed me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial-being. I am awre of my rights under the fair credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. Recently, the Consumer Financial Protective Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, viting " Sham Investigations '' and other unlawful practices. These practices, as outlined by CFPB, include : Conducting : inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inacurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a simular matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Violation of FCRA XXXX XXXX Dear XXXX, I am writing to formally lodge a complaint regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX XXXX XXXX ), which mandates credit bureaus to investigate disputes and provide proof of such investigations. 

Despite my repeated attempts to dispute the erroneous information on my credit report over the last year, you have failed to : XXXX. Conduct a reasonable reinvestigation of the disputed items, as required by law. 
XXXX. Provide proof of the reinvestigation process or any findings supporting the accuracy of the disputed information. 
XXXX. Correct or remove the inaccurate information from my credit report, which continues to negatively impact my creditworthiness. 

The inaccurate information appears to have been fraudulently placed on my credit report without my knowledge or consent. This failure to act violates FCRA XXXX XXXX and undermines the transparency and integrity of the credit reporting process. As a result, I have suffered financial harm, including a diminished credit score and the inability to access fair credit opportunities. 

I am requesting that you : XXXX. Immediately conduct a thorough reinvestigation of the disputed information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report. 
XXXX. Provide a detailed report of the reinvestigation process and findings. 
XXXX. Take corrective actions to ensure compliance with FCRA obligations in the future. 

Failure to address this matter promptly may leave me no choice but to escalate this issue by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal action. 

Please confirm receipt of this complaint and provide a response within XXXX  days, as stipulated by the FCRA. You may contact me at XXXX or XXXX to discuss this matter further. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these inaccuracies. 

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

unauthorizes inquiries on my XXXX XXXX report SYNCHRONY FINANCIAL XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XXXX - XX/XX/2021 SYNCHRONY FINANCIAL XX/XX/2021 Location XXXX XXXX XXXX  XXXX, OH XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual