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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I would like to order my full report from XXXX XXXX, XXXX XXXX, INNOVIS. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( i ). The evidence is shown in the screenshot of my credit report, which shows that this account has been removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for Equifax and I found quite few auto Soft Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

List of Fraudulent Soft Inquiries that wasnt authorized by me Please have them all deleted immediately! 
Total inquiries is XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX UPDATE XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX XXXX EQUIFAX UPDATE XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX EQUIFAX XXXX XXXX XXXX/EQUIFAX XXXX XXXX XXXX XXXX
Product: Credit card

Bank of America has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a " late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Pursuant to XXXX XXXX XXXX, block and remove them from my consumer report : Inquiries XXXX. Equifax Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016, Ally Financial XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX, 2016.
I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to clear up my XXXX XXXX. I found out that I had an account dated back to XXXX on my Equifax business credit. I inquired on how to pay and was told I had to file a dispute since there was no Name of the company or # or address on the account. After requesting the dispute form twice. I finally received the form and completed it. I then sent it back to Equifax via email and fax on XX/XX/XXXX. I never received an email notification stating it was received. But the fax was completed. After the 30day mark, I did call and ask numerous agents that I was able to get a hold of to confirm when my dispute was received, to be told that the investigation is not yet completed. One agent, in particular, told me to send ANOTHER dispute form since he didn't see my dispute form in the system! He was very rude and condescending. I asked to speak to a manager and he told me I could not. I hung up and finally reached an agent by the name of XXXX and he apologized for the last agent as he was incorrect in asking me to send another dispute form. He gave me a case # and tracking # and told me that my file was going to be escalated and that within 48hrs I would be getting a call from the XXXX office to help me in finding out where my dispute was. I then received a call on the 2nd day after it was escalated but couldn't answer the call. The message left was a Mrs. XXXX, that stated that they are STILL WAITING on the creditor to get back to them and to give her a call @ XXXX if I had any questions. This was the same # to which I have been calling for 2 weeks. I called right after I heard the VM. I was then told I had to open ANOTHER case and wait for XXXX for her to call me back! 



I need to get this account cleared, the process in which Equifax has to dispute an account is not clear and difficult. It's like they don't have a process. I was even told this from their own employees!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

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

XXXX XXXX XXXX  XXXX XXXX {$560.00} 75 % usage 3 late payments, XXXX XXXX XXXX    XXXX XXXX {$530.00} 59 % usage 4 late payments XXXX {$0.00} 0 % usage 1  late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX has been spying through my old XXXX XXXX XXXX XXXX since I bought it back in 2013 in XXXX. I used to own a XXXX XXXX which was totaled in XXXX, IL. 

I used the money from my XXXX to purchase the XXXX. The XXXX was my only mode of transportation and carried me on countless trips back and forth to XXXX XXXX, and the Texas area. I no longer own the car, however, I continued to receive " promotional '' content regarding the vehicle. I believe XXXX  and XXXX are spy agencies geared towards controlling the world using their drivers, cars, and illegal XXXX XXXX XXXX   schemes to force the world to think, act, and believe anything they say. I will never work for them again in any capacity, and ever since I began working for them, I have been unable to escape their greedy illegal tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied Collection Service reported the exact same accounts twice on my credit report. I paid them {$330.00} on XX/XX/XXXX. I was told that both accounts would be deleted which 1 by the way was false information because the account was inserted on my credit report twice with the same exact same account number, the exact same company and the exact same amount. I have yet to receive a deletion letter as I was told on several occasions. Each time I call they tell me that all calls are recorded but coincidently they can not find the recorded call where I was told that the account would bed deleted. Once the 1st account was updated as paid instead of deleted I called explaining that I was told that the both accounts should have been deleted. I have spoken with several supervisors that told me they would follow up with me and did n't. As of todays date XX/XX/XXXX ( over a month in a half at this point ) supervisor XXXX XXXX advised me that my deletion letter was requested today and will be mailed out no later than tomorrow and to give it 7-10 business days before receiving it. I have absolutely no faith in that ( hence the reason I am still writing the complaint ). This is mistake on Allied 's part that needs to be resolved. They had no valid reason for reporting the same account twice on my credit report and then not update neither of them correctly as promised.
Product: Credit reporting

XXXX took the process seriously and looked not only at my letter ( s ) explaining the unauthorized transactions but they also took the supporting documentation I sent to them and immediately removed the accounts in question. I have XXXX accounts that belong to my ex-spouse XXXX XXXX that she obtained while I was serving our country as an XXXX XXXX in XXXX. I signed a Power of Attorney over to her while I was laying my life on the line in combat because we have a son together and in case I died, I wanted her to be able to handle my affairs for the betterment of her and my son. Instead, she took the Power of Attorney and opened up accounts without my presence or knowledge which to say the least is very wrong on many levels because when I returned home from XXXX, she continued to use the Power of Attorney without me knowing that either, and I mean upon my immediate return home. Think about that sneaking behind my back to open up an auto loan with XXXX XXXX ( supporting documentation attached ), she opened up an account with XXXX XXXX. XXXX and charged it off in my name ( supporting documentation attached ), and through a court order, she was supposed to be responsible for a home loan with XXXX XXXX XXXX Mortgage but instead of abiding by the court order, she 's currently {$3100.00} past due on the account which is reflecting on my Transunion and XXXX credit reports ( supporting documentation enclosed. ) I have been writing letters and sending supporting documents to XXXX and Transunion for over 5 months now and all they do is contact XXXX, XXXX XXXX, and XXXX XXXX XXXX Mortgage and come back with a response letter saying that the creditors verified the accounts. This is not proper investigational work. The companies mentioned do not have the right ( legally ) to continue reporting the accounts on my credit files with Transunion and XXXX. I reiterate : upon XXXX receiving my first and only letter to them accompanied by supporting legal letters, immediately deleted the unauthorized accounts from my credit file with XXXX on XXXX XXXX, 2016. Since then I just keep getting the run around with XXXX and Transunion. Its as if they just do n't want to take the time to review the legally binding supporting documents that I keep forwarding to them. Please see attached supporting documents and get Transunion and XXXX to remove the unauthorized accounts or the only remedy I feel will be necessary, will be to start contacting XXXX in the states of XXXX and XXXX and to get the XXXX Office to look into this very request for investigation with the CFPB if this is not investigated properly and proof of a proper investigation is not rendered back to me. Please help so I do n't have to keep climbing the ladder and or wasting time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Experian. Experian you did not have permission to furnish anything on my reports, I did not give my consent to allow you to do so. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Experian was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions for experian to furnish anything on my report.
Product: Debt collection

I am writing to dispute the presence of late payments on my credit report as listed in the report provided by your agency. After a careful review of my credit history, I have identified inaccuracies that I believe are negatively impacting my credit score. I am requesting an immediate correction of these errors.

I understand that accurate reporting is essential for maintaining the integrity of credit reports. However, I firmly believe that the late payments listed are erroneous, and I request a thorough investigation into this matter. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter promptly and correct any inaccuracies found on my credit report. As a consumer, I am entitled to fair and accurate reporting, and I believe that resolving this dispute will contribute to the overall accuracy of my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and timely investigation of my dispute. I request that you provide me with a written response within 30 days of receiving this letter, detailing the results of your investigation and any actions taken to rectify the inaccuracies.
Product: Credit card or prepaid card

I have disputed this account multiple times with Equifax, the last dispute was over 30 days and with that being said I have the legal right to ask that this account be deleted from all three credit reporting agencies.
Product: Debt collection

XXXX XXXX  was the name of the original business, which was turned over to validated customer accuracy back in XXXX. It was removed from my credit record and cleared due to my inability to verify the customer. I came upon a new collection in XX/XX/XXXX, stating that a new debt collector named XXXX XXXX XXXX XXXX for XXXX XXXX had taken over an account that wasn't mine. Ask the business to confirm accuracy, providing the name and amount no response. Since then, the collection has been sold to Vance and Huffaman LLC, whose XX/XX/XXXX reporting date is accurate and lacks any original loan documentation verification. According to FTC violation 15 u.s.c 1681c-2 and 15 u.s.c 1681b. 15 u.s.c 1681s-2. & violation 25 CSR 11.443 ( c ).

This meets FRCA requirements and needs to be removed immediately from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian report contains a wrong personal address.
Product: Credit reporting or other personal consumer reports

I recently checked my updated personal credit report and I noticed several remaining unauthorized credit inquiries still on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also initiated a request to you for an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation is complete, you find my allegation to be true, please remove these inquiries : 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. The inquiries I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries as soon as possible.
Product: Money transfer, virtual currency, or money service

I am an investor, invistef my {$700.00} with a company called coinbase, and always they put ristrictions on my account, and hold my money. 
I need my money to be available for cash out, because they hold my money for long time, which makes me lose the chance to buy crypto bad make money. 
I can't keep it like this, so I need them to release my money, so I could use other trading vompsy to buy crypto
Product: Mortgage

I had to unfortunately file for Chapter XXXX bankruptcy in XXXX, XXXX. I took pains to make sure that my home mortgage with Bank of America was not included in the bankruptcy because I did not want to lose my house to foreclosure and I wanted to protect my credit for future home mortgage loans. I had to list all of my debts for the Court, so the loan was listed. One of the credit card accounts that I did include was with Bank of America. I kept making my mortgage payments in full as usual. I then listed and sold my home and paid off the mortgage through escrow in XXXX, XXXX. I kept receiving monthly statements from BofA all the time leading up to the close of escrow showing that I made my previous payments as usual and my balance right up until I paid it off. I received a XXXX form for my IRS taxes in XXXX of XXXX for the year XXXX and in XXXX of XXXX for the year XXXX showing that I paid interest that was included in my monthly payments for the year. However, when I applied later for credit I was turned down and I requested a copy of the credit report through XXXX I saw that the BofA reported that my home loan was included in my bankruptcy and that I stopped making payments as of the date of the bankruptcy in XXXX, XXXX. I requested an investigation to resolve this error through XXXX. XXXX simply sent my letter to BofA, who simply did nothing to change the status. I contacted my attorney who did the bankruptcy for me and she said it was the BofA that had to confirm with the Court that they were not included in the Bankruptcy ... which they did not do. Perhaps they got it mixed up with my credit card account or they are punishing me for the credit card account dismissal. Later, I requested another credit report through XXXX with the same results, including a request to resolve this issue to no avail with BofA. I am now appealing to the Consumer Financial Protection Bureau and will attach all my documentation.