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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked inaccurate. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX I.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   also credit cards inquiries from XXXX XXXX, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian signed me up for a Premium monitoring service WITHOUT my permission while pulling up a credit report. From the my phones internet browser one is not able to see the option to cancel service. You have to change it over to DESKTOP site in order to see it. Months went by if my card getting charged XXXX from XXXX to XXXX without be able to cancel it or know to check the desktop site. 
I then cancelled the card and had a new number issued. Somehow EXPERIAN got that card number from XXXX XXXX BEFORE it even arrived at my house and change the number on their autopayment side and STILL CHARGED ME AGAIN. I sent them a nasty email and said to refund within XXXX  hours and they did/but only the the month they charged on my new card number that I did not even know yet! 
I just logged into Experian to get documents and they are telling me I dont have a account anymore. I will collect XXXX statements of charges and the most recent credit on the new card-will get that by the time you respond..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter requesting disputes with Transunion for information that wasn't mine on my credit reports. I gave them over 30 days and they still didn't respond. I would like them to remove these items as they are in violation of the Fair Debt Reporting Act. It was signed for on XX/XX/2021. The certified mail piece number is XXXX.
Product: Debt collection

The debt collection agency AFNI is trying to collect from me {$1700.00} that i do not owe and it was reported as a Identity Theft and it was erased once from my credit report and now they put it back with other collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and i seen alot of inquiries i do not recognize, authorize or consent to. I don't know how they got there and i would like for them to be removed immediately please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX accessed my credit file without my consent
Product: Vehicle loan or lease

The vehicle in question the finance company is saying that I own the loan but in fact I do not, somebody else got the loan in my name therefore leaving me with a bill that doesn't belong to me which I've been the victim of identity theft. Request the finance company of Exeter finance remove it from my credit report immediately and excuse it from my name and social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to unlocked my report. I paid for Equafax premium service that allows me to lock and unlock my report. But every time my report is locked, it has been a problem unlocking it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 19. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. This is not mine. XXXX am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

24. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report. 

25. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

26. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

27. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

28. This is not mine. XXXX am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened my Checking account at Bank of American in XXXX, NJ. I made first deposits by using XXXX to request XXXX dollars from my mother. On XX/XX/XXXX afternoon, I was in XXXX. Suddenly XXXX sent me bunch of emails saying that I violated their policy, which I never done. I only received {$10.00} from my mother by XXXX. I never made any transaction with my account yet, XXXX is XX/XX/XXXX, I just activated my debit card. I contact XXXX and BOA, more than 15 calls I made. Still, no one solved my problem. I am a XXXX XXXX XXXX with XXXX, it's difficult for me walk to the bank using ATM to make deposits. Please help me, thank you! The script above are from the first complaint I made. XXXX did replied me with no solution! XXXX told me to call BofA. BofA told me to contact XXXX. Neither company want to take the responsible for me! I attached XXXX 's response.
Product: Credit reporting or other personal consumer reports

I am filing a complete against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Transunion consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I ensure CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as innacurate. 
XXXX  XXXX XXXX - reported 2 latest XXXX XXXX reported 1 late XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX late Remove previous jobs Remove previous addresses Remove phone numbers
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct the following errors : Account/Entry Name : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX As per FCRA 15 USC 6802 , I understand that consumer reporting agencies are required to maintain accurate information and take appropriate steps to ensure that consumer reports are correct and up to date. I request that the inaccurate entry be corrected or removed as required under federal law. 
Additionally, under FCRA 15 USC 1681b, you are prohibited from reporting information without my consent unless there is a permissible purpose. I request that you ensure that this report was not obtained or shared improperly, and that any violations be rectified. 
Furthermore, in light of potential identity theft or fraudulent reporting, I refer to 18 USC 1028A, which mandates that any fraudulent use of personal information must be addressed and rectified immediately. If this entry was the result of identity theft or fraud, I request that the necessary steps be taken to investigate and remove the entry. 
Please provide me with written confirmation of your receipt of this dispute and the actions you plan to take. If your investigation confirms that this information is inaccurate, I request a prompt correction or removal of the disputed item ( s ) from my credit report. 
Under the FCRA, you are required to investigate my dispute within 30 days. If you are unable to resolve the issue within this timeframe, I expect to be notified in writing of the results of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Vehicle loan or lease

I had a total loss on my XXXX XXXXXXXX that I bought from the dealer. I had informed west lake of what was happening, my insurance did as well. The bank still decided to sell the car back to dealership and mark it as repo and unpaid bill instead of totalled and paid in full by the insurance company. This affects my credit score.They were made aware of the situation I've called Westlake, the dealership has called Westlake. They steadily say there is nothing they really can do. I want this reported as totalled, paid in full and have them remove the incorrect repo from report..
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to all three credit reporting agencies experian,XX/XX/XXXX, XXXX XXXX, A corporate account, that I did not personally guarantee, on my personal credit report. I have sent dozens of disputes and requests to remove the derogatory information off my report to no avail. 
My attorney sent a 609 letter on XXXX XXXX requesting all agencies to produce all documents including signature pages as proof of accuracy and none of the agencies have sent him anything and they still have not removed the account from my credit report. 
There is now litigation involved to prove this is not a personal account. 
Also, This account is reported as a charged off account, yet they have a law suit against me and my business, and a third party collection company Continues to call me trying to collect on this account as XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above have violated my rights.

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 ( AN ( 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. 
Remove Fraudulent Non-mailable Addresses listed below : - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX - XXXX XXXX XXXX XXXX XXXX, KY XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX, KY - XXXX XXXX XXXX XXXX, KY XXXX Remove Fraudulent accounts numbered below : XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Charge Off XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Chagre Off XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Chagre Off XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Charge Off XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Collection XXXX ) XXXX  ( Original Creditor : XXXX XXXX  XXXX ) ( XXXX ), Opened : XXXX, Collection XXXX ) XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX XXXX  ( Original Creditor : XXXX XXXX  ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX  ( XXXX ), Opened : XX/XX/XXXX, Collection Remove Unauthorized Fraudulent Inquiries : Here is the list of inquiries with company names and dates : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX XXXX has violated my rights. 

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 my written instructions
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I saw inquiries that are not mine on there
Product: Money transfer, virtual currency, or money service

I use an App called XXXX and it 's taking forever for my transactions to post. As well as being sent to them it is very inconvenient. It has made me late on my rent when I was counting on that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.
Product: Credit reporting or other personal consumer reports

Recently. I did an investigation on my credit report and found several bers on there to be inaceurate. 
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accuracy of report Whenever a consumer tesorting agaosy prepares a consumer report. XXXX shall follow teasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Treatment of inaccurate or unverifiable information ( Ajin general I, after any reinvestigation under paragraph ( 1 ) of any information disputed by a gonumer, an tom of the information is found to be inaccurate or incomplete or can not be verfied, the consumer repoding agency shall- ( prompty delete that item of information from the file of the condumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ; ipromptly notty the fumisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following bems from my credit report, immediately. 
Chapter 13 Bankruptcy
Product: Credit reporting

There are XXXX late payments noted on my report with Experian, from XXXX, from XXXX XXXX, as up to day in XXXX XXXX. I tried disputing this with Experian with no resolution. XXXX negative/late payment reports ( 30 days ) are NOT correct. I was current with XXXX during that time, and all times prior/since.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting late payments on my credit file even though I have made all my payments on time before the 30 day late mark so this is inaccurate I have disputed this directly with XXXX  and the credit agencies but this issue has not been corrected this is false reporting has negatively impacted my credit score and financial opportunities under the fair credit reporting act XXXX  must ensure accuracy in reporting I am requesting that cfpb intervene to have these late payments removed from my credit report immediately account number XXXX 15usc 1692 15usc 161666b 12CFR 1026.13