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

The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

I demand these companies to delete these accounts from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, and 15 USC 1666b I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

ACCOUNTS TO BE REMOVED : 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. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information. 

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen 15 days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX - XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$23000.00} XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

ChexSystems is posting my personal information. ChexSystems violated consumer law FCRA section 604. Early XXXX i disputed an account ( s ) that does not share my personal address, that has been proven by them. However they verified the account as accurate via their online portal, no validation. so I immediately mailed them back via USPS mail and asked how what this account verified so fast. They did not respond, so i sent a follow up letter on XXXX, asking to have these account deleted because since this account doesnt match my personal information. ( address, etc ) Hence it is erroneous and inaccurate. ( Thats a FCRA issue ) They responded again via the online portal. Then on XX/XX/23, I responded again with a well crafted letter stating that the furnisher of this account share my personal information with my written permission, Chexsystem ignored what i stated about this being a violation on the FDCPA and FCRA 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Also, 15 U.S.C. 6801 of the FCRA stating that I have Protection of nonpublic personal information. They responded again with the same response yesterday. I can count 3 violations
Product: Debt collection

On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX   credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.
Product: Debt collection

XXXX balance should been removed due to XXXX XXXX as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SERVICE FINANCE CO LLC located at XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX ( Original Creditor : XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Product: Debt collection

I was summoned by XXXX XXXX XXXX for a debt for an account " XXXX ''. I received no letters from XXXX XXXX XXXX asking me if I validated this account was ever mine. Instead they had someone send a summons to me to appear in court. I appeared in court on the day requested to contest the account and they did not hsow up. They sent an affidavit blaming their no show on a scheduling issue. Immediately after I was summoned I sent to the court and XXXX XXXX XXXX a challenge to verify if the debit is mine but all I got was a letter with some statements and one page part of a forward flow agreement between them and " XXXX ''. To this day I have not received proof that I have opened this account such as a signature and per federal law, they should not be able to come after me for this debt if they have no proof. Attached is 5 letters. One is the letter with the entire suit package, second is the summons to appear, three is my answer in response to the matter requesting proof I opened the account, four is the court 's dismissal due to no show by plaintiff, and five is the affidavit explaining their absence.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding inaccurate information on my credit report. These letters requested verification for several accounts, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX , and others . I highlighted errors such as incorrect late payment records, inaccurate account statuses ( e.g., Collection or Charge-Off ), and outdated or incomplete data. I specifically asked for evidence of verification, documentation of compliance with FCRA and Metro 2 standards, and removal of unverifiable or inaccurate information. Despite these efforts, XXXX has only provided generic form letters stating the accounts were " verified '' without offering evidence or addressing the specific issues. This failure to properly investigate violates my rights under the FCRA and Metro 2 standards. I request a thorough investigation of these disputes, a detailed response explaining the verification process, and the removal of any inaccurate or unverifiable data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are XXXX, XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the recent data breach with Equifax, I attempted to enrolled and was notified that I have to return. Putting the responsibility and cost/time on the consumer is improper. When my data as a US government employee was breached, the Federal Government notified me in writing and provided free credit monitoring by ENROLLING ON MY BEHALF. 

Equifax is failing to mitigate damages ( a responsibility generally required in business law ) of their data breach. I have no contract with Equifax, as such they have the SOLE responsibility for taking action to protect me from financial harm, costs and undue stress as a result of their data breach. Their current consumer process seems to be aimed at the lowest cost solution ... providing help for only the consumers that self-identify AND are willing to hassle with the bureaucracy. This morning, I have pre-enrolled and have been waiting on the phone for 20+ minutes for an agent to pick up the phone. 

Equifax should auto-enroll me and ALL impacted consumers and buy them credit monitoring AND pay for resolution of any fraud case tied to the breach.
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). There are multiple accounts within my credit reports that are not mine that need to be deleted. I have included them in my letters that I attached to this complaint.
Product: Debt collection

I received my credit report every other month. My credit score went down so I checked my report. I saw 2 open accounts for XXXXXXXX XXXX  in collections which i never opened.. On my credit report I saw name IC system Inc XXXX and XXXX asset solution both for same amount {$1700.00}. they advised they are using cell # XXXX with email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this follow up CFPB complaint today to inform you again that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX XXXX Balance Owed : {$640.00}.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX # : XXXX, Inquiries -XXXX XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate costumer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and efficient measures to prevent and address fraud on their platform, leaving my acvount vulnerable and unprotected. Furthermore, their dispute resolution process 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 financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and XXXX 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 or other personal consumer reports

I am a victim of identity theft especially when I had been held against my will XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
CHILDSUPPORT XXXX XXXX : {$12000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Equifax Credit Report pursuant to XXXX XXXX XXXX, The tradeline is with XXXX  XXXX  with Account Number XXXX and XXXX. These accounts DO NOT INCLUDE XXXX XXXX XXXX I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. Equifax has NOT blocked this tradeline from my credit report. It has since reappeared on my report. This account is to be BLOCKED INDEFINITELY as it was not opened by Me. Please see all of my attachments as proof of delivery and Notice of Identity Theft to Equifax.
Product: Credit reporting or other personal consumer reports

Dear CFPB, On XX/XX/XXXX, I checked my credit report and noticed inaccurate information related to my account with XXXX XXXX XXXX/ XXXX XXXX  ( Account # XXXX ). The file number of the credit report I pulled is XXXX. The following balances, past due amounts, and scheduled payments from XX/XX/XXXX through XX/XX/XXXX are incorrect : XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance, scheduled payment, and past due amount. 
I have attached credit card statements for this period, which clearly demonstrate the correct amounts. The inaccurate information reported by XXXX violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : XXXX XXXX. XXXX requires credit reporting agencies to conduct a reasonable investigation into disputes raised by consumers. If the creditor, XXXX XXXX XXXXXXXX XXXX XXXX, can not verify the accuracy of the reported information, XXXX must delete the inaccurate data.

15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of the information they report. The discrepancies on my report clearly violate this requirement, as the balances, past due amounts, and scheduled payments are incorrect.

Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct an investigation upon receiving notice of a dispute from a credit reporting agency and must correct or delete any information that is inaccurate, incomplete, or unverifiable.

Given the clear inaccuracies and failure to verify this information, I am requesting that the CFPB assist in ensuring that the erroneous entries are deleted from my credit report, as required by the law.

Please find attached the supporting documentation, including the erroneous credit report entries and corresponding account statements for the disputed period. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.