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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing urgently to address significant discrepancies I've uncovered in my credit report, which directly contradict the guidelines set by the Fair Credit Reporting Act ( FCRA ). After a thorough examination, it's clear that multiple errors persist within my credit profile, indicating a notable oversight in FCRA compliance within your agency.

To clarify : The Fair Credit Reporting Act serves as a crucial federal statute governing the precise collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent sharing of a consumer 's credit data.

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies.

Merging of individuals ' information by reporting agencies due to name or social security number similarities.

Neglect of prescribed dispute-resolution protocols by agencies.

My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes.

Notification if information within my file has been used against me in credit applications or other transactions.

The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data.

Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items blatantly breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, originating from errors within your agency. 

XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX - XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXXXXXX XXXX XXXX Account Number XXXX XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I urgently implore prompt action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further actions to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 35 days with no response. 

The following items do not belong to me ( Fraud Account )- Medical ( Equifax ) - Bal : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score
Product: Debt collection

I had bundled my account with XXXX for internet and XXXX when I first set up my account with them. My account was bundled without my permission or knowledge. I was not aware of this until I noticed a credit on my account of {$100.00}. I called they said I owed {$180.00} for the new stand alone account for XXXX then it was reduced to {$75.00}. I spoke to a rep XXXX on XXXX/XXXX/2013 who did not know why they split my XXXX off my account so he applied the credit of {$100.00} from my current account to my XXXX bill. Then I started receiving more bills for the account I did not open so I called and spoke to another rep XXXX then the manager XXXX on XXXX/XXXX/2013 who insisted I owed this to them he would not listen to me when I explained that this should have already been cleared up as their error not mine. Since then they have sent me to collections for the {$75.00} that I do not owe. I have been fighting this since 2013. I had it removed from all XXXX credit bureau 's last year but they moved the claim from XXXX to Stellar Recovery Inc. and it 's back on my credit again. I spoke to XXXX at Stellar Recovery Inc. XX/XX/XXXX and explained what happened so she disputed it. Even though they have no history of the account or this charge they will not remove or close the collection or stop sending me to collection for it. I have exhausted all efforts to clear this up only to end with the same result. I do not owe this and would like this to be resolved once and for all. I have all this documented from the time this started to date.
Product: Credit card or prepaid card

This is a repeated complaint regarding CapitalOne 's annual fees and resulting lates fees, finance charges, and negative credit reporting. I have several cards, most of which I've had for many years, maintain in good standing, and most I keep completely paid. When I don't use the cards for an extended period of time, I should not be charged and annual fee. If I am using a card, and receiving the cash back benefits, then paying the fee is not unreasonable. 

Contrary to policy several years ago, CapitalOne now " automates '' the process of waiving annual fees and late fees, instead of allowing and empowering the individual phone agents with the ability to view the accounts ' history and offer the accommodation ( s ). 

The specific card is one of several I have not used for many months, yet is being charged an annual fee, subsequent late fee, and related finance charge.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX NA # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX  - TOTAL V # XXXX XXXX  XXXX   XXXX XXXX  - XXXX  V # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # XXXX
Product: Money transfer, virtual currency, or money service

Not access to my account. 
When trying to access my account they informed that username/password was invalid. 
After reseting the information still not access, tried to reach out cx service but since I didn't have a case number wasn't able to connect with operator. I was referred to the website where there was no other solution than reset the password. I'm going in circles not able to accessing my account and no solution or answer has been provided by Worldremit Corp .
Product: Debt collection

I dont owe this debt. I have never lived at XXXX at XXXX XXXX and have asked multiple times for proof of a lease with my signature and this collection to be taken off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit scorXXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 41 financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I refinanced a mortgage with a local bank who immediately sold the loan to a secondary market investor ( Wells Fargo ). However, I never received any account information from Wells Fargo after closing telling me how to make payments or what my account information was.
Product: Credit card

Collection company has not tried to collect debt as far as I know ; however, the account is in collections ( as a derogatory mark ) on my credit report ( opened XXXX ). I do not have any information about the original creditor. Sent a Debt Verification Letter to the company on XX/XX/XXXX and have not received verification or any correspondence at all.
Product: Mortgage

I was able to get through the application process and receive conditional approval. Unfortunately, they took my own home inspection and used it to come up with a list of unnecessary repairs. They refused to proceed until all of the list derived from my home inspection was fixed to their satisfaction. They refused to provide the XXXX  appraisal at any point. Part of the application process was a {$500.00} charge on XX/XX/2021, which they are now refusing to refund after I finally told them that I had to cancel and seek a mortgage elsewhere on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER 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 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 XXXXeven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. 

The following inquiries are incorrect : XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX, 2023, XXXX XXXX XXXX, 2023, XXXX XXXX XXXX XXXX, 2023 and XXXX XXXX XX/XX/2023. 


I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 

I respectfully request that you conduct a thorough investigation into these unauthorized inquiries and take all necessary measures to remove them from my credit report. 
Additionally, I request written confirmation once these inquiries have been successfully removed. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for getting a loan with XXXX  today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this report.
Product: Debt collection

On XX/XX/22 I sent a debt validation letter which will be enclosed to the creditor. I have not as of date received any correspondence back from the creditor. I requested the attached information along with a signature from the company/corporation making it a binding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the in information is inaccurate.

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 wich antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that EQUIFAX has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate is ruining my reputation. I need these errors DELETED from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX, Texas XXXX. I have no other address nor have I ever.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$98.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OBTAINED AND MAINTAINED A CREDIT CARD WITHOUT MY CONSENT. I HAVE NEVER AUTHORIZE FOR THE DISCOVER CARD TO BE OPENED AND MAINTAINED. THIS ACCOUNT IS NOW CLOSED, I NEED THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT IS CLOSED, WITH XXXX BALANCE I NEED THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are ignoring my requests to investigate and remove accounts from my consumer credit reports that were opened fraudulently.
Product: Checking or savings account

XX/XX/23 A checking account was opened under my name without my approval. I do not know how my social security number got leaked. I reached out to the FTC as soon as I found out. I was unable to find a checking account number because it is not letting me change my password
Product: Credit card or prepaid card

I am currently facing one of the biggest fights of my life. I am under a lot of medication, XXXX and XXXX. I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.
Product: Credit reporting or other personal consumer reports

TransUnion has not conducted a reinvestigation on my alleged negative items because the alleged debts on my credit report is reporting negatively on my credit report. No purchase agreement and documentation from TransUnion about the alleged debt.