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

In XXXX someone with the same name opened utility account and their account went to collections. They reached out to me and I was threatened into paying off the debt at the risk of ruining my perfect credit. They did not inform me of my right to dispute the account and forced me to give them my credit card information. I paid off the debt on XX/XX/XXXX. Earlier this year I was made aware of my right to challenge the validity of any debt so I sent this company a certified letter on XX/XX/XXXX, they received this letter on XX/XX/XXXX. 

The letter sent to them was a request they validate this debt. They sent me back a contract with absolutely no information belonging to me except the name that states " XXXX XXXX ( XXXX XXXX ) '', I have no knowledge of a XXXX XXXX in my family, sibling or relative. I have never lived at the address on the report they provided me, the phone number on the report has never been a number of mine, every signature on the report they provided me is not of my name, in fact the signature on the report belongs to a XXXX XXXX. They have failed to validate this debt and need to delete it from my reports. 

The only information they have that ties me to this account is my credit card information they got from me at the time of the collection to pay off this debt. I used my own money to pay for someone else 's debt.
Product: Credit card or prepaid card

I received a prepaid XXXX for XXXX with {$200.00} on it but i can not use it to purchase anything and the website doesnt allow me to check the balance and the number in the back of the card wont let me get ahold of a representative.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the outcome of my recent disputes regarding inaccuracies on my credit reports. The consumer reporting agencies ( CRAs ) have indicated that the creditors have " validated '' the accounts in question. However, I am submitting this letter along with proof of Metro 2 compliance violations, which highlight inconsistencies and inaccuracies that demonstrate these accounts could not have been properly validated.

Accounts in Question are attached to this complaint Inconsistent Reporting Across CRAs : The reported accounts contain inconsistencies in key data fields, such as the balance amount, date of first delinquency, or payment history. This is a clear violation of Metro 2 compliance, which mandates uniformity in the reporting of credit data under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Lack of Proper Validation : The FCRA obligates CRAs to conduct a reasonable investigation of disputed information. Given the attached evidence, it is evident that the investigation conducted was inadequate and failed to resolve discrepancies.

Failure to Correct or Delete Inaccurate Information : Pursuant to FCRA 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, the CRA must correct or delete the information. The CRAs reliance solely on creditor validation without addressing the evident inconsistencies violates this provision.

Metro 2 Data Reporting Standards : The Metro 2 format requires that data be accurately and consistently reported across CRAs. Attached, I have provided documentation showing that the accounts in question are non-compliant with these standards, which further calls into question their validity.

Applicable Laws Supporting My Claims FCRA 1681e ( b ) : CRAs are required to follow reasonable procedures to assure maximum possible accuracy in the consumers credit report. The inconsistencies and errors identified clearly violate this section.

FCRA 1681i ( a ) : When a consumer disputes information, the CRA must perform a reasonable reinvestigation. The lack of effort in resolving the discrepancies outlined herein suggests non-compliance with this requirement.

Fair Debt Collection Practices Act ( FDCPA ) : If the creditors reporting these accounts are considered debt collectors, their failure to validate these accounts may also violate 15 U.S.C. 1692g, which requires validation of debt upon dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15.U.S.C. 1681 Section 602 A states I have a right to privacy.

15.U.S.C. 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Experian has reported several accounts on my report that are not mine also too many inquiries that I did n't authorize, Please help, these the names : Creditors : XXXX XXXX XXXX There 's XXXX accountsAd XXXX XXXX XXXX, XXXX XXXX, Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX- XXXX
Product: Credit reporting or other personal consumer reports

All accounts under my name from XXXXXXXX XXXX XXXX was made through fruad and scamming and identify theft.. all accounts by my consent close immediately. I don't own any account with any bank known. 

You may contact me XXXX XXXX Images sent are banks that I don't not have in my name and that information is from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XX/XX/XXXX balanceXXXX, XX/XX/XXXX balance of XXXX, XX/XX/XXXX balance of XXXX, and XX/XX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian and XXXX to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX  for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with EXPERIAN and XXXX and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my Experian credit report : DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX, XXXX, Transunion. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.
Product: Mortgage

My husband, XXXX, is an XXXX XXXX XXXX XXXX Veteran that requires XXXX. 
On XXXX/XXXX/XXXX we called Wells Fargo to request mortgage assistance. During the financial interview we were told that Wells Fargo could n't help because we did not have enough income. I tried to tell them that we had applied for an increase in my husbands XXXX benefits they said they did n't care. At this time my husbands XXXX was XXXX per month and we received XXXX in food stamps. 
On XXXX XXXX I began employment with TDID at a salary of $ XXXX/ month.On XX/XX/XXXX my husbands gross monthly XXXX was increased to XXXX. Out current monthly food stamp benefit is XXXX for a total household income of XXXX. 
On XXXX XXXX, XXXX we reapplied to Wells Fargo for assistance under a change of circumstances and submitted all documentation verifying a significant increase of monthly income. 
We received a letter from Wells Fargo on XXXX/XXXX/XXXX stating " Based on the recent information you have provided to us, we have determined there has not been a sufficient enough change in your circumstances for us to conduct another review ''. This is a blatant mis-representation of the truth.The letter is not signed by anyone and when I called Wells Fargo they refused to speak with me.
Product: Money transfer, virtual currency, or money service

On XXXX I received a call from Wells Fargo stating that someone in Texas tried to use my debit card info to buy {$650.00} worth of things on XXXX and they stopped it but did not stop a {$1000.00} transaction made with XXXX, they proceeded to tell me the steps to reverse the funds by going into my Wells Fargo app and going to XXXX to refund the money, " note I have never used XXXX before and did not know what it done '' they then told me to put my email address in and the amount that the people took and write refund so they knew it was a refund I did so and then immediately knew I just got scammed for real, they lady I talked to used wells fargos phone number and lingo and stole money from me, I immediately called wells fargo and they said there's nothing they can do I have exhausted all resources to get my money back. Wells Fargo has been disrespectful the entire time and won't give me any answers
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Bureaus for Inaccurate Reporting and Failure to Correct Disputed Information Accounts : XXXX XXXXXXXX XXXX XXXXXXXX. 

Dear CFPB, I am writing to formally file a complaint against the major credit bureausfor their failure to correct inaccurate information on my credit report despite multiple disputes. 

I have disputed both XXXX XXXX accounts at least XXXX times with the credit bureau due to inaccuracies in the reported account status, dates, and payment history. Despite providing ample evidence and following the dispute process as outlined in the Fair Credit Reporting Act ( FCRA ), these inaccuracies remain uncorrected. 

Specifically : The account status is inaccurately reported. 
The dates associated with the accounts are incorrect. 
The payment history is not accurate. 

Furthermore, I have noticed that each credit bureau reports these accounts differently, with one credit bureau not reporting the account at all. This inconsistency is causing significant harm to my credit profile and financial standing. 

Violations of the Fair Credit Reporting Act ( FCRA ) The following sections of the FCRA are relevant to my complaint : Section 611 ( 15 U.S.C. 1681i ) - This section outlines the responsibilities of credit reporting agencies to investigate disputed information. The credit bureaus are required to investigate disputes within 30 days of receipt and correct any inaccuracies. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - This section mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Request for Permanent Removal Given the repeated failure of the credit bureaus to correct the inaccuracies associated with these Capital One accounts, I am requesting the permanent removal of these XXXX accounts from my credit report. The continuous inaccuracies and the inconsistent reporting among the credit bureaus are clear violations of the FCRA and have adversely affected my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} comments : Not Mine XXXXXXXX  XXXX Balance : {$1300.00} comments : Not Mine XXXXXXXX XXXX XXXX  XXXX Balance : {$490.00} comments : Not Mine XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXXXXXX XXXX XXXX  XXXX Balance : {$2400.00} comments : Not Mine XXXXXXXX XXXX  XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXXXXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine Transunion : XXXX : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not XXXX XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX  XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX  XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not XXXX XXXX XXXX XXXX  XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report named, XXXX, and it has been reporting inaccurate information for the last couple years, balance and status to be more specific. Shows needs attention and that I '' m currently past due. I've disputed several times with Equifax and nothing has been addressed. Latest letter was sent on XXXX and the letter addressed the bureaus obligation to complete within 30 days and to notify me, along with other issues present.This account is hurting my credit and I want to get it removed from my report based on the reporting violations I've read. Please see image below to view these glaring inaccuracies. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that appear on my credit report do not belong to me, they are hurting me, please check them XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 

XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

I have been disputing world finance for a long time now, and they keep changing their remark back-and-forth. I have been requesting a copy of the contract, showing me that it was my debt they were refusing to show me a copy of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, ENHANCED RECOVERY COMPANY ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a XXXX XXXX XXXX XXXX from shelor motor mile inc and cars financial inc in XX/XX/XXXX we have been on time since XX/XX/XXXX we got in to a dispute over the car not being fixed correctly never was told it still had manufacturing warranty on it it still anti have bank statements to prove we have paid more I argued with shelor there attorney cars financial I had to threaten civil action just to get reciepts to check with bank statements then when I did that they took my on time payements off the credit reports without a explanation I called the companies shelor motor mile inc and cars financial inc the sale was for XXXX the payment is down to XXXX we have paid over XXXX this proves we paid on time plus more so I disputed to XXXX  XXXX also they said there is no explanation stateing why this happened its was just a act of revenge trying to hurt credit score which caused me a lot damage when my credit was finally getting better then cars financial inc shelor motor inc pulled this stunt they did not do what was promised to report to credit report like they were supposed to
Product: Credit reporting

I have been contacted multiple times by a collection agency that goes by two separate names ; XXXX & XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my XXXX told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX
Product: Credit card

My XXXX husband was scammed by " you won a big prize '' scam. They demanded many " fees '' and became very scary and threatening if he did not pay them. They demanded payment via gift cards, which he purchased using several different credit cards. He did not tell me this was going on. By the time I found out, he had run up thousands of $ $ in credit card charges. 

I immediately put a stop to this and I reported to the police, the FBI, the FTC, etc. I also got a power of attorney to act on my husband 's behalf, since he still did not seem to understand what he had done. 

I contacted the XXXX credit card companies my husband had used and sent them a copy of the POA, the police reports, etc. and a list of the charges he had done while being terrorized by the scammers. I asked them to DELETE those charges, since they were part of a serious crime of elder abuse. 

The credit card companies ' response has been 1 ) They do NOT RESPECT my POA and refuse to talk to me and 2 ) They refuse to DELETE the charges, on the grounds that there was no " identity theft '' and my husband himself authorized the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On  X/X/17   , I made an e-paymnet through Best Buy 's payment system, for the amount due of {$61.00} ; the payment cleared my bank the same day. On   XXXX  , Best Buy (  Citibank )  contacted me and indicated I was 10 days late and assessed a late fee of {$35.00}. I indicated that I had paid the amount the automated system indicated was due . Citibank re p 's only reply was that the paper statement indicated a different amount. In shor t, Citi 's auto mated payment system appears to have not kept pace with billing. When I called a representative to attempt a fee waiver, the rep indicated that this was not my first late ; and that they would not waive the fee. I 'm puzzled as to the relevance of such a statement, when the issue pertains to their e-payment system, not MY pay history. I paid what their system indicated was due, within the timeframe it was due.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax, XXXX, and XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I sent disputes to each agency. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I demand that these accounts be removed for violating my rights to privacy. I also demanded that my information be removed due to the breach.