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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  XXXX XXXX XXXX, Account name : XXXX & XXXX XXXX XXXX, XXXX XXXX, Account name : ONEMAIN XXXX, Account name : XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannoi furnish an account without my written 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 and crimes which antedates the report by 7 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, credit repair services, or other personal consumer reports

I, XXXX XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

Ms XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, can be reached at XXXX or XXXX. As of XX/XX/year>, Experian has verified the other address and declined to remove all other addresses showing on my credit report. 
The Fair Credit Reporting Act ( FCRA ) mandates a XXXX investigation by credit bureaus into disputed information, including addresses. Despite multiple submissions and calls, including fraud reports, providing evidence of the correct address, Experian has failed to comply with FCRA requirements regarding the accuracy and integrity of the information they maintain. 

I have called and sent in evidence of my correct address with a copy of my drivers license and a utility bill. I spoke with multiple representatives adviseing me the other addresses was verified when I request to send me proof of the investigation the stated they're where unable to send me the information I have proff attached that the verified my correct address but refused to remove the other address with it showing verified with no other information to prove or show documentation of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Credit card

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT.

I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is
again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; Lvnv funding XXXX XXXX  {$570.00} If you accept my request, I will not escalate this matter to Federal Court . In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

agency has a wrong address for me and will not change it. no sure where they got the address but they say it was from a creditor i said your wrong i have never had this address. i was assured that they got that address from a creditor so i said get my address from a current creditor they say they can not because they don't have my correct address.you can see the circle here and for this reason they have reported no credit on me since XX/XX/2012 and even that is incorrect.
Product: Mortgage

This is what I got from XXXX Specialist Hello XXXX, I see that you contacted the XXXX Resource Center about your loan that went to a foreclosure sale. We ( HUD ) dont supersede State foreclosure procedures. If you have questions about the foreclosure sale that took place you must contact the foreclosure department at the lender or the foreclosure attorney that is representing the lender. When you received a partial claim back in XXXX in the amount of {$40000.00} you have already maxed out the full 30 % allowed for a partial claim on your loan. The ticket will be closed. 
Thanks, XXXX XXXX XXXX SO MY QUESTION TO XXXX I would like to speak with a supervisor or upper management regarding this matter. And just to be clear you said I maxed out my partial claim in XXXX so why was I approved for a partial claim in XXXX and also extended in XXXX all through XXXX why did I qualify for a partial claim was this a trap from XXXX? to foreclose on my loan as they did to many other loan borrowers? I need an answer ASAP I have gathered all my evidence and if this is not looked into I will have no choice but to take this further. Thank you for your time. 
what I was told during the pandemic was totally false and lies to rob me into foreclosing on me. I was told the loan would be put at the back of the loan and would be extended for the many years I was not paying, if the loan was supposed to end in XXXX the loan would now end in XXXX if it was 3 years the loan was delinquent. That was what I was told by XXXX XXXX and XXXX XXXX told this to millions of their customer. That was what the federal government was selling to vulnerable people like me. Millions of customers have lost their houses due to these lies I will NOT be a victim I will burn this house down before I allow the government to take this house. I have lived here 20 years this year now you want to tell me I don't have maxed out of the partial claim? where is the XXXX XXXX PLANS PROMISE TO VICTIM LIKE ME?
Product: Credit reporting or other personal consumer reports

Here is a List dates of Inquiries I have no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Last year i applied for financing with XXXX ( XXXX XXXX XXXX XXXX ), after losing my job. With my wife and son in school i wanted to try this since it had a money back guarantee. They sent me a link to XXXX XXXX who in turn went to Marcus Goldman Sachs to get a personal loan to pay for access to XXXX. They scammed me out of the money and the company disappeared then re-emerged this year same title. I never spoke to anyone accept the guy at XXXX and he ran my credit and the money was in my account same day. No Questions asked and i presume that XXXX and XXXX are in close proximity as well as Goldman Sachs. XXXX was supposed to give me my money back within 6 months if i didnt break even. I asked Goldman Sachs about writing the loan off and then going after them with an attorney but they just gave me the run around. XXXX was non negotiable when asking for my money back after they bellied up 2 months into my initial 6 months. Came to find out they knew about taking it down 2 months before the guy signed me ( XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a victim of identity theft fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent Information and want to investigation .Please remove the fraudulent Information immediately from my file.
Product: Debt collection

I called XXXX and ask for the original Documents to verify my account and no help at all, they post 2 account on my XXXX Report. 
account # 1 {$420.00} account # 2 {$490.00} I called the Original Creditor XXXX XXXX for more help and they told me i'm not on the system! 
the account does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I placed an order with XXXX XXXX XXXX online ordering for an animal planet playset in the amount of {$3500.00}. The amount was pending and as it shipped on XX/XX/XXXX was cleared and taken out of the account. Their was a problem with the delivery service and package was said to have been delivered XXXX but it was not at my home. I called the online phone number and the person was going to cancel the order and I was going to repurchase the same item. This " second '' order never took place and my information was not entered into any system to reorder it. After that phone call I called payment center and noticed that another amount of {$35.00} was not available in the balance I had on the card. I called the next day because the package did show up but it was late and the delivery service was contacted as well. I was on the phone for almost 2 hours with a rep trying to figure out why I had a pending transaction with no order. She told me in 3-5 days it should drop and be resolved. Well I checked after 5 days and no change. This was XX/XX/XXXX. I called them again and was told to give it a week because this person was going to try to cancel it as well. Well no change yet again and I called again .... and this time they said it would be resolved in 7 days but again was not. I called XX/XX/XXXX and was extremely angry about this and was said that because of the trouble they would resolve this by refunding me the amount {$35.00} and it would be all taken care of in 5-7 days. Today I called to check if everything was all set and I got charged another {$10.00} when I have n't used my card since XX/XX/XXXX for the original purchase. I have an email confirmation of the original order and a complaint I emailed to the delivery service that the package did not arrive on time. I also have reference numbers for the conversations I 've had with XXXX XXXX XXXX costumer service line. I was told by a manager to call my bank. I did however call the credit service and they said I did not have an additional charge and I was told because it was a hold not a charge by customer service line.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX 2023 All three credit Bureaus reported my mortgage company XXXX XXXX XXXX XXXXt ) sale/transfer to a different mortgage ( XXXX XXXX XXXX  XXXX ) XXXX 
This triggered a credit score drop of XXXX points. 
The sale/transfer of my mortgage loan was/ is beyond my control. 
Therefore, my credit score should have remained the same.

A drop of my credit score by XXXX points from XXXX To XXXX could adversely affect my purchasing power. 
All three Credit Bureaus do have dispute forms available but only for complaints against creditors. Not against themselves. 
What can I do to correct this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach multiple letters showing numerous times I tried to contact the credit bureaus to resolve this issue. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me. XXXX is still reporting inaccurate names after verifying my identity with proof of identity, XXXX XXXX deleted the wrong XXXX account even though the account numbers was totally different must be a system error I would like that fix asap and have the account in the letters be deleted immediately from all three credit bureaus and update my personal information like I asked. Also I provided proof of payment on a bank statement and shows that its a error on XXXX XXXX end I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account Possible Financial I send the FTC affidavit with the police reports and this account listed as fraudulent and I demand to be removed right away. i also filed a complaint with the XXXX for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX and 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
Product: Credit reporting or other personal consumer reports

The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and mentally. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. XXXX XXXX said there was nothing they could do and I could call the credit bureaus to get information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I had a hard inquiry on my credit report that I did not authorize from jpmcb. This showed up on my report XX/XX/ 2023. I have contacted them and they are supposed to be contacting the credit reporting agencies to have this hard inquiry removed.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding the inaccurate and fraudulent information appearing on my credit report. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. I have discovered multiple errors on my credit report, including incorrect names, addresses, and accounts that are not associated with me. These inaccuracies are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be immediately investigated and corrected. 

Under 15 U.S.C. 1681i, credit reporting agencies have a legal obligation to conduct a reasonable reinvestigation of any disputed information. Despite my identity being clearly established as XXXX XXXX at my Ohio address, my credit report contains accounts and personal information that do not belong to me. Any accounts, names, or addresses not directly tied to XXXX XXXX and my Ohio residence must be removed immediately. Continuing to report inaccurate and unverifiable information violates the FCRAs accuracy requirements. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. The presence of incorrect names, addresses, and fraudulent accounts demonstrates a failure in their duty to ensure the integrity of my credit file. Courts have ruled that failure to remove incorrect information after a dispute can result in legal consequences, as seen in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court emphasized that credit bureaus must conduct meaningful investigations, not just rely on automated verification. 

Furthermore, these errors are causing material harm to my financial standing and creditworthiness. The inclusion of fraudulent accounts or incorrect personal data negatively impacts my credit score, potentially affecting my ability to secure loans, housing, or employment. Under 15 U.S.C. 1681n and 1681o, both willful and negligent noncompliance with the FCRA make credit reporting agencies liable for damages. Their continued failure to remove this inaccurate information is an ongoing violation of my consumer rights. 

I demand that the CFPB take immediate action to investigate and enforce my rights under the FCRA. I request the removal of all incorrect names, addresses, and accounts that are not associated with XXXX XXXX and my verified address in XXXX, Ohio. The credit reporting agencies must provide confirmation of these deletions and ensure that this misinformation does not reappear on my report. 

Failure to comply with federal law in handling this dispute may result in further legal action to protect my rights. I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

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

I filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX XXXX and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Product: Credit card

The capital One credit card account has been closed but it still appears on my credit report & has a negative impact on my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXXXXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )