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

I reviewed my credit report on XX/XX/XXXX at XXXX, Transunion and XXXX. I discovered I have fraudulent credit accounts appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, Transunion, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/XXXX nineteen days after the date of Brennans debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Debt collection

XXXX XXXX called my mothers home at XXXX XXXX. She was interrupted from her sleep and I know this is FDCA violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and unverifiable items from my credit report, in light of the recent legal action taken against Experian by the Consumer Financial Protection Bureau ( CFPB ). The lawsuit highlights Experians failure to properly investigate disputes and its practice of including incorrect information on consumer reports. 

Per my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the following items and requesting their immediate deletion from my credit file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain errors that negatively impact my creditworthiness. Given the CFPBs findings and the legal action taken against Experian, I expect full compliance with federal law and a thorough investigation into these inaccuracies. If these accounts can not be verified, I request their immediate deletion from my credit report.
Product: Credit card

I have disputed XXXX charges from Amazon with my Chase CR. This is going for since XX/XX/2016. I was very disappointed by the way I was tried by Chase repetitiveness. They where not welling to lesson to me and when I asked several ttimes to speak to a manage, no one called me back. The merchant have issued credit and acknowledge there mistake by sending me email saying that and will issue a credit to me next bill but chase Has not issued the credit. I call and I get hang up over and over again. I been with Chase Bank for many years and I spent thousands of droller every month I could not believe the way they behaving I do not under stand why. I have record of all communication regarding this matter and I will need what ever help I can get from you also to let other consumers know about the way Chase bank handle this matter.
Product: Credit reporting or other personal consumer reports

When I called XXXX XXXX to ask them to help me remove this account from my credit profile. They had absolutely no idea about this account. They said that they didnt have any records of this account in their Database. 

Then they asked me a lot of personal questions. They asked for my Name, my Address, and my Social Security Number. Then They Pulled My Credit Report Without My Permission. After that they said that they see it on my credit report and that if its on my credit report then it is possible for the account to be true even though they dont have a record of it in their Data Base.

Im a consumer in the middle of these corporations being wrongfully done with no help. I Even Asked the Credit Bureau to delete the Inquire because I did not give my permission for them to pull my credit report and They Wont. They didnt Even Ask me if they could pull my credit report. They just asked me for my Social Security Number which I thought they was just going to use it to check their records to help me get this off my credit report. Instead without my permission they pulled my credit report and said that they see it on my credit report and that if its on my credit report then it is possible for the account to be true even though they dont have a record of it in their Data Base.

Now I have a Inquire and this account that needs to be deleted from my credit profile. FCRA violation, XXXX XXXX, Please remove this account from my credit profile 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Please remove from my credit report Thank you for your help regarding these issues.
Product: Credit reporting or other personal consumer reports

Data breach of personal information between XX/XX/XXXX through XX/XX/XXXX that compromised credit information. In addition, I have requested all incorrect information that is not current due to being outdated be removed.
Product: Credit card or prepaid card

Irs verification came in theee months ago and I havent been able to use my card but credit card company is taking money from me every month
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a 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 an 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 Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX KY Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX. Used, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX, Personal Loans companies, XX/XX/XXXX, XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, XXXX - XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, XXXX - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your
Product: Credit card

Please send my earlier letter to Amex as its not a duplicate complaint and it is a response to Their inaccuracies in their letter.

I have called your CFPB office three times and after one hour was disconnected twice and no one has called me back? 
Please re open and send letter Amex dated XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I wrote Experian, XXXX and XXXX on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT REPORTING AGENCY ... I HAVE A DISPUTE ON MY CREDIT REPORT ... AN ITEM IS OVER 7 YEARS 6 MONTHS outdated I advised must be deleted per FAIR CREDIT REPORTING ACT..per Experian file XXXX it remains on my credit file..i am being denied new credit and fair employment and housing because of the information on my credit report that is outdated and negative information. I want Experian to remove ALL outdated negative information in my credit file per the fair credit reporting act.
Product: Checking or savings account

On XX/XX/year>XXXX  I used my chime card at a ATM to pull out XXXX $ It processed it as if it was dispensing the cash but didn't dispense any cash at all. So I checked my chime account balance and it showed that it took the requested funds ( XXXX $ ) out of my chime account balance, so i waited 24 / 48 hours thinking it would automatically be returned to my chime account balance unfortunately after 48 hours the funds were still not showing in my chime account balance so at that point the transaction went from pending to posted so i went ahead and filed a dispute on XX/XX/year> explaining what happened & after a few days from submitting the dispute claim i got a email from chime denying my dispute claim so now i am out XXXX $ plus the ATM fees on both sides.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please promptly erase these inquiries, as I lack any information about them, and the company carried them out without seeking my approval.
Product: Credit reporting or other personal consumer reports

" SEE ATTACHED '' DISPUTE LETTERS MAILED TO THE CREDIT BUREAUS ON SEVERAL OCCASIONS WITH NO RESPONSE WHATSOEVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws.

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX Experian 1 ) XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX
Product: Consumer Loan

I was in a XXXX XX/XX/XXXX 2013. The day before I flew to XXXX for tour I was XXXX year old who was not paying attention. I was at a XXXX, he was going over XXXX. 

XXXX company, the person at faults insurance company and Capital One Auto Finance were in touch with each other to dispute the issue. XXXX XXXX was going to pay, however we ended up going with the person at faults insurance. This obviously took a month or so to get worked out, during this entire process I was told everything was fine and my credit would be intact since the car was a total loss. 

In XXXX Capital One sent me a bill asking me to pay at a lowered rate, to make the account current/closed. I paid the amount they asked. 

In XXXX I pulled my credit to see that Capital One not only put that I did not pay and was late XXXX, but that I did not pay the full balance ... 

I tried reaching out to them, they told me they had updated the system, but no- my credit is still hurt from this and everyone points the finger at someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Disputed Fraudulent Accounts on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unresolved dispute of fraudulent accounts that have appeared on my credit report. Despite multiple attempts to resolve this matter directly with the credit bureaus, I have not received a satisfactory resolution, and the disputed items continue to negatively impact my creditworthiness. 

Below are the details of the fraudulent accounts that have been inaccurately reported on my credit history : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$48000.00} Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$620.00} I have diligently disputed these accounts with the credit bureaus on multiple occasions, providing all the necessary documentation and evidence to support my claim of fraud. Despite my efforts, the results have been unsatisfactory, and the disputed accounts remain on my credit report, causing significant harm to my financial reputation and creditworthiness. 

I am deeply concerned about the implications of these inaccuracies on my ability to secure credit, obtain favorable interest rates, and achieve other financial goals. As a responsible consumer, I have consistently maintained a good credit history, and these fraudulent accounts do not reflect my financial behavior accurately. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the dispute in a fair and expeditious manner. I am confident that the evidence I have provided demonstrates the fraudulent nature of these accounts, and I am eager to have my credit report corrected as soon as possible. 

Enclosed with this letter, you will find copies of the relevant documents supporting my dispute, including but not limited to : Copies of correspondence with the credit bureaus regarding the dispute. 
Proof of identity and ownership of the accounts in question. 
Any additional evidence related to the fraudulent nature of the disputed accounts. 
I trust that the CFPB will act as an impartial mediator in this dispute and ensure that my rights as a consumer are protected. I am eager to cooperate fully with any additional information or documentation required to facilitate a prompt resolution. 

Please acknowledge receipt of this complaint and inform me of the next steps in the investigation process. I would appreciate regular updates on the status of my case and a final resolution as soon as possible. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution of this dispute.
Product: Debt collection

DIVERSIFIED CONSULTANTS, INC. has sent notice in the last few months that I owed for a previous account with XXXX. 

I have settled any misunderstandings with the original company and DIVERSIFIED CONSULTANTS, INC. is still reporting to the bureaus. 

I do not owe anyone or any company anything and would like any information saying otherwise removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.XXXX and TransUnion were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.