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

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified that there was a collection by XXXX XXXX on my EXPERIAN credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXX filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to Experian for investigation and verification. After investigation the credit reports for Experian was updated and the collection was removed. I have since locked all three credit files ; XXXX, Experian and XXXX. I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX XXXX. I immediately called EXPERIAN and the collection was removed the same day. On XX/XX/XXXX the same collection reappeared on my EXPERIAN report. Once again Experian investigated and once again this fraudulent charge was removed. 

On XX/XX/XXXX, this fraudulent charge ONCE AGAIN REAPPEARED! I contacted Experian and they indicated that the previous investigations were no longer in their data base. Pretty incredible since this was a case of identity theft, and a statement was added to my credit file indicating that I was the victim of identity theft! 

The new fraudulent charge was submitted by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX MN XXXX. This company has also re-aged this fraudulent charge to make it appear as if this is a current account! This is a violation of the Fair Debts Collection Practices Act ( FDCPA ).
Product: Debt collection

I received a call on XX/XX/XXXX from a representative that states she was from R & R solutions and that were contacting me to let me know I had until the end of the business day to get this settled or they were going to continue on with a civil lawsuit. Stated that they had sent me letters previously notifying me of this situation. Received another call today and left voicemail they said they were going to continue with litigation and threaten to put a lien on my vehicle. I called the number they left back and spoke with a XXXX he said this was a breach of contract for a XXXX  loan that I defaulted in XXXX with XXXX XXXX. I asked him if this was something that had been in collections and I owed why was it not on my credit report and that I dont remember a XXXX XXXX. He stated the loan was from XXXX for a XXXX  loan but I did not attend XXXX  that year. I asked for proof of who this company was and what the loan was exactly for. He said they had sent letters in the mail and I told him I never received anything. I asked him if this was legitimate to please mail me this information. He stated they would put it in the mail and it would take XXXX days. After that conversation they called my sister-in-law and left a message also stating that they were going to put a lien on my vehicle if I did not contact them.
Product: Consumer Loan

I placed an online application with Regional Finance, Immediately after I called the business to stop application process. I spoke to associate at the branch in XXXX NC and they told me to contact home office. They assisted me with correct phone number and then I spoke with the associate in the underwriting department. The associate in that department told me he would void my application and my credit would not be pulled. Two days later I received an alert on my report that they did in fact run my report. That 's when I filed a report with XXXX and I did not get a resolution to my complaint. They referred me to this site.
Product: Checking or savings account

On XX/XX/2021 i filed a unauthorized claim for a {$1000.00} XXXX transfer with Citibank. I was not notified of their decision to deny my claim ( s ). I then called the bank to follow up in which i was informed then and filed an appeal. The bank did not protect me as a long standing customer who did not have any issues with this bank. The bank did not notify as requested over the phone about appeal decision or ask for any additional information from me to successfully fight my appeal. I feel as though i have been discriminated against and unprotected.
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 right to privacy and confidentiality under 15USC 1681. 

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 XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 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 items of information other than records of conviction of crimes which antedates the report by more then seven years.

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

Hello, my name is XXXX. I have been a victim of identity of since 2019. Theyre stating that this account was open XX/XX/year> and that is impossible for me to endorse any signature or physically. Be there for this transaction as my family and I were XXXX overseas around this time on military orders.. 
Per the last statement, this company states that there were payments made to that account that XXXX be true, but that did not come from me and that is not a form of validation because there was a payment made on account that its mine. Once again, Ive been going through this issue since 2019. When we came back to the states we filed a police report because as we where purchasing a home thats how I found out this company had my information from the credit report pulled from our lender at the time.. 
At this time I will be forwarding this over to my attorney and also the detective that was assigned to the case at the time if he is still with XXXX XXXX sheriffs office. 
This issue needs to be resolved, and it needs to be properly investigated!!!
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, PORTFOLIO RECOV ASSOC, has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XX/XX/XXXX {$XXXX} ; PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : XXXX : No. of Months ( terms ) is reported as XXXX, while TransUnion and XXXX report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while TransUnion and XXXX report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
TransUnion and XXXX : Date of Last Payment is reported as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

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

XXXX is reporting incorrect information about me and have refused to make changes in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my XXXX XXXX checking account! I immediately went to my XXXX XXXX branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with XXXX XXXX. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all 3 credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that WF is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? WF is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.
Product: Mortgage

On XX/XX/, my partner, XXXX, reached out to Valon Mortgage to inquire about financial options, expressly seeking information without any intention of initiating a loan application. During the conversation with XXXX XXXX, the loan officer, XXXX shared his financial and personal details. Importantly, I was not part of this initial call, and at no point did I authorize or intend to be involved in a loan application. 

To my dismay, later that day, I received an email notification indicating the initiation of a home equity loan application in my name, with XXXX listed as a co-signer. Despite my lack of interest in pursuing such a loan, I was prompted to submit income and ID documentation, which I promptly dismissed. Subsequently, on XXXX XXXX XXXX I received an email from Valon Mortgage claiming that I had submitted the loan application. Simultaneously, XXXX XXXX reported a credit inquiry by a home mortgage company, causing considerable distress and concern. 

Upon contacting Valon Mortgage, XXXX denied any involvement in the unauthorized application and directed me to XXXX, a senior loan officer. Unfortunately, both XXXX and XXXX proved unhelpful and resistant, refusing to initiate an investigation or provide clarity on the situation. This lack of cooperation has significantly exacerbated the challenges associated with resolving the unauthorized application issue. 

During my call with XXXX on XX/XX/, I explicitly requested the closure of the unauthorized application. Regrettably, my request has not been addressed, and to my astonishment, on XX/XX/, I received another email notification requesting ID verification. 

Furthermore, despite my attempt to follow up with XXXX on XX/XX/, I have not received any response. This lack of communication intensifies my frustration and difficulty in resolving this matter promptly. 

TLTR : An unauthorized home equity loan application was processed and submitted without my knowledge or explicit authorization. This situation has raised significant concerns, as I had not granted consent for such a transaction. The lack of notification or approval on my part prompts the need for a thorough investigation and a swift resolution to rectify this unauthorized action I have been in contact with the mortgage company and the loan officer, XXXX XXXX, who originated and initiated the application. However, they proved to be unhelpful and resistant, refusing my ask for an internal investigation to help provide clarity and rectify the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights.

15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXXXXXX   Please remove it from my credit report.

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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  Subject : Dispute of Civil Liability for Negligence and Non-Compliance under Section 16810 Dear Equifax, I hope this letter finds you well. I am writing to formally dispute the claim of civil liability that has been presented against me under section 16810 of the [ appropriate law or regulation ], related to alleged negligence and non-compliance. After carefully reviewing the circumstances surrounding the claim, I respectfully believe that the assertion of liability is not valid, and I would like to provide the following grounds for my dispute : Lack of Negligence : The accusation of negligence outlined in the claim appears to be based on an incorrect interpretation of the facts. I have taken all necessary precautions, acted in accordance with the relevant regulations, and ensured full compliance with all safety measures. There is no evidence to suggest that my actions or omissions resulted in any harm or breach of duty as claimed. Specifically, [ briefly describe any actions you took to prevent or address the issue in question ]. 

Non-Compliance : The allegation of non-compliance with [ specific rule, regulation, or law ] is also unfounded. I have adhered to all applicable requirements and deadlines as stipulated by law, including [ mention any specific documents, permits, or communications that demonstrate your compliance ]. If there was any misunderstanding or perceived non-compliance, I am fully committed to resolving the matter promptly and in accordance with the appropriate procedures. 

Mitigating Circumstances : Furthermore, there may have been mitigating circumstances that should be considered when reviewing this claim. [ Describe any extenuating factors, such as unforeseen circumstances, miscommunication, or procedural errors that may have contributed to the situation. ] These factors were beyond my control, and I believe they should be taken into account when assessing liability. 

Request for Resolution : I kindly request a thorough review of the case, taking into consideration the aforementioned points. I am confident that upon review, it will be evident that the civil liability claim based on negligence and non-compliance is unfounded. I would appreciate the opportunity to discuss this matter further and resolve the issue amicably without the need for further legal action. 

Please provide a response to this dispute at your earliest convenience, so that we may proceed to address any misunderstandings and work toward a fair resolution. Should you require any additional information or clarification, I am more than happy to assist. 

Thank you for your time and attention to this matter. 

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

Transunion, XXXX XXXX XXXX continue to report incorrect information on the account listed as XXXX there is a late payment reporting for Transunion but not the other consumer agencies. This can not be as the account must report accurately across the board. Remove the late payment immediately or provide the evidence Transunion used to determine the late payment. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Errors The following items of personal information on my report are incorrect and must be updated : - Incorrect DOB : ** XXXX LIST year ONLY XXXX - Current Address : XXXX XXXX XXXX XXXX IN XXXX - Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Collections Disputes Please provide verifiable documentation for the validity of these collection accounts. If you can not verify them, they should be promptly removed from my 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 XXXX XXXXXXXX Inquiries Disputes The following inquiries on my report are unauthorized and unrelated to any open accounts. 
These entries were made without my consent and should be removed : XXXX XXXX XXXX XXXX