23daVinci/CFPB_Complaints huggingface dataset:
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 ( XXXX, Experian, and XXXX ). The accounts in question are : XXXX XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day 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 XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, Event Code 7 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 Event Code 7 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 ( CFPB ), Federal Trade Commission ( FTC ) , 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: Debt collection

I sent the attached hardship letter when I first received their debt letter on XX/XX/XXXX. The original letter said that I could pay {$25.00} every 2 weeks but when I logged onto their website to make these arrangements it was not an option so I sent the attached online correspondence asking to set up these arrangements. Then after reviewing the letter more closely, I saw that the original creditor closed the account without my knowledge after making a payment, so I asked XXXX to send me original documents with my signature on XX/XX/XXXX. I never heard back until XX/XX/XXXX, when I received a letter from " Midland Credit Management Legal Collections Department '' stating that I had to make payment in full or they were suing me. So how can they sue me when they are the ones that failed to respond?
Product: Checking or savings account

TO WHOM IT MAY CONCERN FRAUDULENT XXXX TRANSACTIONS HAVE BEEN MADE ON MY BANK OF AMERICA ACCOUNT THESE TRANSACTIONS ARE FRAUDULENT ME NOR THE OTHER ACCOUNT OWNER MADE THESE TRANSACTIONS PLEASE REVERSE THEM AND REFUND MY MY MONEY I I HAVE BILLS TO PAY AND I AM OUT OVER {$4000.00} due to someone hacking my account that you did not initiate the XXXX transaction and that under Reg E I am disputing these transactions Claim number - XXXX BANK OF AMERICA DID NOT REFUND MY MONEY EVEN THOUGH I DID NOT AUTHORIZE THESE TRANSFERS
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. Discover is missing my positive payment history from 2 seperate accounts and needs to be updated immediately so that it is reflecting on my reports appropriately and accurate. This missing reporting history has caused my credit to be reflected in a negative way. 

Account # XXXX is missing positive payment history from XXXX  and XXXX. 

Account # XXXX is missing positive payment history from XXXX . 

Please update these immediately so that it is reporting correctly as is should and following the laws of the FCRA precisely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is specific to Experian : I placed a freeze on my credit report several years ago due to a data breach. In the intervening years, I have lifted this freeze temporarily several times. On or about XX/XX/2020, I attempted to lift this freeze via both the online portal and phone. I made over 20 attempts over the following days to no avail. In all cases I was given an automated response that I needed to send in documents by mail to lift the freeze. On XX/XX/2020 I sent in the letter with all supporting documents in order to lift the freeze. However, as of XX/XX/XXXX the freeze is still in place and there seems to be no recourse. I can not speak to anyone at the company to get the status of my documents or verify if they have been received. The site states that consumers should allow 3 days for them to process the request but it has been over two weeks without a reply. 

This situation is compounded by the fact that there doesn't seem to be any consumer support. I have called three different phone numbers. All of them contain an automated phone tree that leads to a statement that I need to send in my documents to the address listed. ( Which I have done )
Product: Debt collection

MG Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

XXXX XXXX XXXX has placed the account multiple times to different agencies for the debt I did not owe. I have already settled this account with XXXX different collection agencies 1 ) XXXX for {$56.00} on XX/XX/XXXX and 2 ) XXXX on XX/XX/XXXX for {$56.00}. The same account is now again placed with DCI for {$39.00}. I wrote to DCI that I do not owe this debt but despite my letter, they have placed this account with credit reporting companies. My multiple request to XXXX XXXX XXXX to justify why they have this past due account did not come with any information or justification. There seems to be various account numbers on these debts and all refer to my phone number XXXX which is being paid every month. 

I need your help to sort this matter with XXXX and their collection agencies which are cheating customers to pay of debts not owed to them. 

Please let me know if you need more information. 

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

We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXX XXXX XXXX XXXX to all 3 credit bureaus requesting that the late payments be removed for 2 mortgage loans ( second one was ARM/balloon ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.
Product: Credit reporting or other personal consumer reports

Hello, It came to my attention via many calls and creditors that I had balances on many accounts. The more I researched i found out in XX/XX/year> that my personal information, my Social Security Number was involved in the XXXX data breach. I did the search with my personal information and the site confirmed that my information was involved in the breach and that my identity information was stolen. I've had many issues including people using my information to get housing in locations i've never been too in my entire life. Also, the debt balance i'm hurting from. I had great credit for 15 years and now I'm Struggling to make it. 
Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX XXXX Credit Report Date : XX/XX/year> XX/XX/year> XX/XX/year> Also Known As : - - - Former : - - - - Data Breach Accounts Yellow Data Breach Accounts XXXX. XXXX. XXXX XXXX ) : AMEX. Account # : XXXX XXXX XXXX XXXX ) : AMEX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : AMEX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Credit Card : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

These XXXX companies put inquiries on my credit report without my authorization or acknowledgment I want these inquiries off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian. 

They have dropped my credit rating ( within the last six months ) from XXXX ( in XXXX ) to XXXX ( this month ). 

XXXX  and XXXX  have maintained my rating at 800+ throughout this time period. 

The only reason I can see for this unfounded manipulation is that they want me to signup for their " Experian Boost '' program. 

Perhaps you will have the same complaint from others.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. XXXX collections from company XXXX XXXX XXXX are not the consumers. The said company had XXXX  days according to LAW to remove such items. Consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer and that the XXXX reporting collections are indeed the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I reached out to them and my bank to resolve the problem, the company stated that the money was returned because it didn't release it to the person, but when I checked with the bank they stated that no money was returned so it seems like the company is still holding the money
Product: Checking or savings account

I have been dealing with an issue with Capital One since XX/XX/2020. Funds were frozen pending an investigation from an incoming wire from XXXX XXXX. XXXX  conducted their investigation and removed all fraud charges. They instructed Capital One to reverse the funds back to XXXX on XX/XX/2020. Despite daily phone calls, numerous complaints, Capital One has not done this. Meanwhile my account is frozen. 

I lodged 5 complaints with Capital One - they have not responded to a single complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Request for Correction of Inaccurate Credit Report Information Dear CFPB, I am writing to formally request your assistance in correcting inaccurate information on my credit report. I recently reviewed my Equifax credit report and noticed that it incorrectly lists a balance of {$24.00} on my XXXX credit card. However, my XXXX credit report accurately reflects a {$0.00} balance. 

I have attached a screenshot of my XXXX account which clearly shows a {$0.00} balance. I believe this discrepancy needs to be addressed to ensure that my credit report accurately reflects my financial standing. 

I kindly ask that you investigate this matter and assist in updating the information to the correct amount. Thank you for your attention to this issue. 

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

I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were XXXX different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX Loan continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer XXXX XXXX XXXX XXXX -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit XXXX XXXX XXXX The Consumer XXXX XXXX XXXX XXXX and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the XXXX. Codes which I believe that XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXX has been like this for a long time, yet, XXXX XXXX continues to falsely verify as accurate. This has to stop at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



Please remove -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Chex Systems , Inc., immediately mail me a complete and updated copy of Chex Systems Consumer Report : XXXX
Product: Debt collection

Attorney XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of the Fair Debt Collection Practices Act. 
They purposely sent a summons to appear in court XX/XX/XXXX to an address that was never my residence in Michigan. I have been living in XXXX since XXXX. I received a response from XXXX XXXX XXXX Attorney for Mindland through the CFPB site XX/XX/XXXX, stating that I should contact XXXX to resolve the matter and that no action of garnishment will be taken. No one was willing to assist me. However, I have been garnished for the wrong amount and my livelihood has been impacted to me losing everything.
Product: Credit card

On XX/XX/year> I opened a checking account with citizens Bank to take advantage of a {$300.00} bonus offered to new applicants. A after opening the account I received the debit card in the mail but just a few days later I also received a credit card that I never applied for knowingly. I called the bank and told the staff member on the line that I never applied for a credit card. They told me that there was a box checked off in the online application that signed me up for credit card as well. I was careful in applying for this checking account and I had no idea that there was even an option to sign up for a credit card application. If I knew I would not have checked off any other boxes. I want to close the account but I know that if I close the account it will have negative impact on my credit score. The Bank wasnt able to confirm the extent of the negative impact that would occur if I closed my account. So now out of prudence I am forced to keep this credit card account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I applied for a preapproved card using my opened ended credit plan. And I was denied, not sure why I was denied once my credit card was accepted.the reason that were listed are hearsay and discrimination. I dont know how this erroneous list that was provided.that was embrassing to me and my reputation.with that all being said, I provided you with my credit card and now you have denied me credit which provides me no benifit. I demand for your corporation to provide me all the documentation and materials to me so I can investigate why I was denied with my open credit plan. As the original creditor Im not sure how the reporting agency you used to get my permission to provide any information which violated my privacy rights 15 usc 1692 b, and provide alleged inaccurate information. 
Can you reconsider your decision you reason listed on letter ...
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my Gmail emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sells your information than allow people to pull your credit. I understand now how this happend. I would like them to show proff with identification i applied for these inquiries a hard pull on my report. I want experian to stop selling my information