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

Disputed via XXXX, XXXX. TransUnion dispute center not active. 

My credit report has 18+ incorrectly reported accounts. There are paid in full closed accounts reported as delinquent. There are car loans paid off reported as closed, not indicating it was paid off. There are credit cards reported as written off when they were paid and closed. I have paid accounts being reported as closed that are affecting and lowering my score. My home loan is listed as a closed account when my loan is active it was just purchased and has a new owner. So I have 2 home loan accounts reporting. The other loan needs to be removed completely.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these inquiries removed from my credit file. 
Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the accounts and information listed below from my consumer report. It is imperative that these entries are not reported on my consumer report, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate deletion to rectify this violation of multiple laws. Please remove these accounts and information promptly.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX # XXXX {$50.00} XXXX XXXX  # XXXX {$8500.00} XXXX XXXX XXXX  XXXX {$8500.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXXXXXX {$520.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than XXXX  days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.
Product: Debt collection

This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Credit card or prepaid card

I went XXXX XXXX on XX/XX/2018 for XXXX XXXX and was quoted apr rate of 4 % by Care Credit/Synchrony Bank but are charging me 26.99 %
Product: Checking or savings account

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 they denied all those disputes for unauthorized transactions in under a XXXX they didnt investigate or tell me why they denied them now Im down XXXXXXXX XXXX and they dont want to refund them and now I have no clue how to pay my bills
Product: Credit reporting or other personal consumer reports

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. and how is it that all XXXX agencies are reporting differently on the same accounts. 

PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. 

This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. 

I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 1. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete 2. XXXX XXXXXXXX XXXX XXXX  XXXX inaccurate please delete 3. XXXX XXXXXXXX XXXX XXXX XXXXXXXX inaccurate please delete 4. XXXX XXXX XXXXXXXX XXXX XXXXXXXX inaccurate please delete REPORTING TWICE Yes paid off account reporting TWICE on credit report. Please delete immediately 5. XXXXXXXX XXXX XXXX XXXXXXXX inaccurate please delete 6. XXXX XXXX XXXXXXXX inaccurate please delete 7. XXXX XXXX XXXXXXXX inaccurate please delete
Product: Credit card

I lost my bag which had in it all my credit cards, my ID, my debit cards, and my phone. It has been very much stressful to end up with none of all these, and I have tried my best to restore everything. I was accused of embezzlement as I tried to protest the charges on my credit card which I found out had taken back the money. I seldom make complains and have been careful with use of my card I do not pay my dues late nor miss them altogether. But when I am a real sucker for a fraudster, there is no one left to help me. By virtue of losing my phone as well, which holds passwords for me and all my emails, this particular experience was very worrisome. 

I want this money put back into my account but unfortunately, I am forced to launch a dispute with the organisations such as the CFPB if I want to get justice. When this happened the first time I spoke to the representative and had to ask her if I needed a police report, being as it is a new experience for me to be scammed on this level. I was told no, and now, when trying to obtain one, the precinct says its too late. If this is how the bank deal with such fraud issues, then I do not feel safe with my money with this bank. Below please find the clock rings where I can be proven to be at work during the time of the fraudulent charges, as well as the letter form my manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX credit reporting agencies by mail 2 times in regarding the negative accounts on my report. I requested Verification and they have failed to do so. i sent the letters on XX/XX/2019 and XX/XX/2019 and have received letters back stating that the accounts were verified but failed to inform me on how they verified his information. so without proper verification I would like the negative accounts deleted promptly. If the accounts are not dealt with in a timely manner then I will exercise my right as a consumer protected under the fair reporting act and seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency has a collection with my name as the user for XXXX XXXX, I never had XXXX XXXX and its not Associated with any of my known addresses. Its not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XX/XX/XXXX/XX/XX/XXXXXXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/24 i sent equifax a letter asking them to verify the debt that they are claiming to be verified. It has been over 30 days and they have yet to get back to me with my request. I mailed it certified so i know they have received this request i wish to resolve as fast as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX, ( Furnisher ), stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, ( FCRA 623 ( b ) ( 1 ), this item must be deleted from my file.
Product: Credit card

I sent a complaint to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was given instructions to contact the Consumer Financial Protection Bureau about the same complaint in refer to my New XXXX credit card account. I am unable to call them because on the caller ID the phone number shows Scam. I lost the new card and my bill is due soon. When I attempt to sign in by internet it shows I'm logged in then ask me to log in again to my account to view credi card payment information. Each attempt I am not given access to log in. My problem is the caller ID shows a suspicion of fraud and I am unable to contact XXXX about the lost credit card.
Product: Mortgage

I am upset because I wasnt able to get any money from the equity I have in my home. My house was appraised for {$170000.00} and I only owe {$59000.00}. I want to borrow at least {$40000.00} to do some on my house ; so, the value will go up in my house. I also tried to explain to them I was tax exempt from real estate taxes. My credit score has dropped tremendously because Ive been trying to borrow $ $ on my own. Its sad when you cant get no one to help you when you need it the most.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX AND XXXX *XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN XXXX XXXX  I FILED A XXXX XXXX DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Vehicle loan or lease

On Friday, XX/XX/XXXX my wife and I spoke on the phone with a First Hawaiian Bank banker ( XXXX XXXX XXXX at the XXXX, XXXX branch to setup a payment for the current and past due amount of {$630.00} using her FHB personal checking debit card. The payment he processed was only {$280.00}, leaving us a balance due of {$350.00} for XX/XX/XXXX. Basically, FHB personnel is not allowi g us to make a debut card payment online or over the phone. The car is in my name. Due to the XXXX lockdowns my wife lost her job in XXXX and we moved to California to find employment in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX. I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is obligated by the FCRA to report accurate accounting. I/ME/the consumer advised multiple times that ALL the inquiries reported were fraud and said the company had the lawful amount of time to remove such items. I have reported XXXX XXXX  XXXX Accounts and I see an entry listing a Bankruptcy I do not have a Bankruptcy. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the XXXX XXXX of XXXX XXXX XXXX prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. A Bankruptcy filing is public information and UNITED STATES BANKRUPTCY COURT does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. This violates my rights under the FCRA therefore, I request that bankruptcy reporting be removed from my credit reports immediately. HOW can you VERIFY such INFORMATION when you can not legally access the information? An FTC fraud report was filed by ME the consumer and I had reported ALL INQUIRIES reported as FRAUD and I am now requesting Equifax to provideall documentation used to determine each inquiry was indeed authorized by ME the consumer. I am requesting the name of whom Equifax spoke with, the documentation used, and the wet ink signature of such contracts with XXXX  XXXX. I AM NOT ASKING FOR THE XXXX  REPORT. IF Equifax does not have documentation to show these were in fact authorized by ME they must be removed. XXXX company is liable to follow SEC rules and regulations. 
Equifax commission file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I will be filling XXXX Treasury XXXX forms to audit consumer account- Equifax is securitizing consumer data yet refuses to provide consumer file NOT CONSUMER REPORT Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. You will be required to appear in a court venue local to me, in order to formally defend yourself. 
I am seeking { {$5000.00} } in damages for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit profile that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit profile negatively when they are unauthorized and unverified and serve no permissable purpose/ I was also involved in the XXXX data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX Balance {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXXXXXX 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 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, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.