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 U.S.C. 1681. 



XXXX XXXX  Account number # XXXX XXXX XXXX Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Account number : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account closed XXXX XXXX Acceptance XXXX Account needs to be removed ( Paid ) -I was unable to receive the full account number but it is on my credit report. 

XXXX XXXX XXXX - I was unable to obtain the full account number but it is listed on my account. 







15 USC 1681 ( s ) ( 2 ) 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.

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c ( 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 anecdotes the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to these inaccuracies, this has disabled my ability to purchase a home at a reasonable interest rate, buy a car at a reasonable interest rate, and obtain a credit card above a limit of XXXX i want compensation and i do have proof of the harm these errors have caused pain and suffering in my life.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX CT FL XXXX XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX Bankruptcy Court Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Debt collection

Off note, I have been a victim of identity theft since XX/XX/XXXX. On XX/XX/XXXX, after reviewing my credit report on XXXX, a credit monitoring agency, I discovered a student loan was opened on XX/XX/XXXX from XXXX for {$1500.00}. In addition, several other credit applications were attempted. Neither of these were completed by me. I contacted XXXX and they advised me that this was a student loan and the original creditor was for XXXXXXXX XXXX XXXX University. Someone other than myself, wrongfully used my personal information to obtain a line of credit. On XX/XX/XXXX, I filed an identity theft report with the XXXX XXXX XXXX Police Department. On XX/XX/XXXX, I complied with XXXX and submitted an identity theft claim. XXXX resolved my claim and advised me that I am still responsible for paying the loan and advised me to contact XXXXXXXX XXXX XXXX University. On XX/XX/XXXX I contacted XXXXXXXX XXXX XXXX University ' Student Financial Services who emailed me an identity theft report to complete. I received unsolicited help from a local attorney XXXX XXXX who reviewed my situation and wrote a letter to XXXX. I was advised by this local attorney that I should stop responding to XXXX and my credit history was in good standing. 

In XX/XX/XXXX, I joined XXXX  Credit Score and Report and discovered that I have a collection debt from National Credit Management for {$1900.00}. Original Creditor is XXXXXXXX XXXX XXXX University and the date reported was on XX/XX/XXXX. I disputed this with XXXX  who investigated, resolved the dispute and removed the collection debt from my credit report and reported this to the other credit bureaus. 

In XX/XX/XXXX, I contacted XXXX to dispute a collection debt for {$1900.00}. Again original creditor was from XXXXXXXX XXXX XXXX University and also disputed an address that was found on my credit report with XXXX  that I have been trying to ask them to remove because I have never lived or used that address which subsequently is linked to the credit debt. After XXXX  poorly investigated my identity theft claim, they denied my claim and kept the credit debt and address on my credit report. I am asking for help and advise to justify this. It's very frustrating and time consuming when these companies do such poor investigation and tell you that you're responsible to pay for some loan you never applied for!
Product: Credit card

My wife and I had 2 separate charge accounts with XXXX  XXXX ( setup in XXXX  ) ( they were GM Charge cards, 2 years ago Marcus ( Goldman Sachs ) took over the GM cards. When we make a payment on one card it is being credited to the wrong account, Also The charges on the first card are being put on the the second card. As a result we have a card account with a {$3600.00} credit the and the second card has a XXXX balance which we can not clear because they credit the wrong card. In XXXX we made a electronic payment of {$680.00} which did not get credited to either account but was deducted from my bank account. I was primary owner of one card and my wife was primary on the other card They are telling me No
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am very stressed out because I figured out misleading information in my credit report. I do not understand the origins of this information and these accounts are nor recognized by me. I am victim of identity theft and I would like you to start the investigation process and to find out what happened exactly and why I have them. Thank you so much for your help and support. Also I kindly ask you to delete them from my profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, my personal information was used without my consent. I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items blocked and deleted from my credit report. 
XXXX Accounts to XXXX and Delete XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX ACCT - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$5400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX. SYSTEM, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$930.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1600.00} XXXX. XXXX XXXX FIN - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$480.00} Fraudulent Inquiries to Remove XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 

The inaccurate entry is as follows : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$510.00} Creditor Name : XXXX XXXX XXXXk Account XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$680.00} I redispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

The credit bureaus such as XXXX, Equifax, and XXXX  are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX these accounts are reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XXXX XXXX when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act XXXX  Account # 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to transunion, XXXX, & XXXX requesting an re-investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C. D. Cal, XXXX, XXXX, XXXX ). you will be liable for you willful non-compliance Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I request the following accounts be verified or removed immediately :
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear XXXX servicing I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract assignments or agreements signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. I am acting in honor and in good faith without prejudice, all rights reserved.
Product: Credit card or prepaid card

A lot of my personal cards were stolen. There were accounts opened by someone who acted as if they were me. XX/XX/2016, a charge card was opened for the amount of {$300.00}. It was submitted to the credit bureaus as a charge off, I wasn't aware of this. 

Many other cards have been opened under my identify that I wasn't aware of.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect accounts are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XX/XX/XXXX    I visited a  XXXX  at   XXXX   XXXX   XXXX   XXXX     XXXX  KY.     A credit application was submitted without my written consent. I pursued the doctor NOT to submit the application given that it could be a hard inquiry and will impact my  credit score.  The doctor convinced that it is not hard inquiry and submitted the application. Now my  credit score  dropped by  XXXX  points yesterday. I do n't even need this credit application. Would you be able to help revert this credit check?       XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX
Product: Credit reporting or other personal consumer reports

I discovered that the same information on my credit report was incorrect when I reviewed my updated reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be reinvestigated : XXXX XXXX XXXX : {$14000.00}
Product: Debt collection

As per FCR Act Sec 609 ( a ) ( 1 ) ( a ) I requested but never received a physical original signed consumers contract between myself and said creditor. 

Under FCRA all unverified accounts must be removed. Remove ASAP