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

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXXXXXX - {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX  Date Opened XX/XX/2013 XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX  Amount : {$0.00} Date of AccountXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.
Product: Credit reporting or other personal consumer reports

I recent reviewed a copy of my credit report and notice I had fraudulent accounts on credit report please remove these accounts from my report they are hurting my ability to obtain. Thank you
Product: Credit reporting or other personal consumer reports

I'm reaching out to address several concerns regarding my credit report, including inaccurate account, unauthorized inquiries, and inaccurate reporting.
Product: Checking or savings account

My wife and I have had a bank account with BB & T ( Truist ) for 18 years. We added a student checking account for our son when he was XXXX years old, and he is now XXXX years old. 

Approximately XX/XX/XXXX, he was robbed at gunpoint and they stole his debit card as well as his online bank login. He did not report this to the police at the time because he feared for his life. Starting on XX/XX/XXXX, BB & T has photographic evidence of other individuals depositing fraudulent checks into our son 's checking account at a BB & T ATM. The signatures on the checks did not match our son 's signature. On XX/XX/XXXX a check for {$3500.00} was deposited, on XX/XX/XXXX a check for {$3500.00} was deposited, and on XX/XX/XXXX a check for {$3500.00} was deposited. None of these deposits were caught by BB & T, and all of the funds were allowed to clear the following day. Subsequently, the money was transferred out of the account by XXXXXXXX or XXXX. We were never made aware of any fraudulent activity or overdrafts until XX/XX/XXXX by email, when we saw our son 's account was approximately - {$10000.00}. 

BB & T initiated a fraud investigation, and said that they needed the police report and for our son to come into a branch to look at the photos of the people who deposited the fraudulent checks. We filed the police report, and that investigation is ongoing. Our son went to look at the ATM photos, but he did not recognize any of the people making the fraudulent deposits. We were then treated quite rudely by several BB & T employees as we tried to understand why these fraudulent checks were ever cleared by the bank. We were lectured about how we should be better parents and our son should be more responsible. We were told that the investigation was closed until the police report was submitted. No one could answer our questions about why these checks were accepted. Deposits into our son 's account rarely ever exceeded {$300.00}, but somehow three {$3500.00} check deposits were not even flagged or looked at more closely. The signatures didn't match, the addresses did not match. With such relaxed check policies, we were shocked that BB & T was attempting to hold us liable for the fraud. 

XXXX, in the payments department, told us that we had until XX/XX/XXXX to set up a payment plan or until XX/XX/XXXX to pay in full. We sat on hold for an hour on XX/XX/XXXX to set up a payment plan but were never able to speak to an employee. The following day, BB & T force transferred every available dollar from our savings accounts ( {$5500.00} ) to pay for the negative balance. XXXX, in payments, then denied ever telling us we had until XX/XX/XXXX or that we could set up a payment plan. 

Now that BB & T has taken our money without our consent, we are doubtful that they will ever re-open their investigation once the police report is available.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Information & Unauthorized Hard Inquiries Account Number : [ Include if Applicable ] I am writing to formally dispute inaccurate and unauthorized information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681i . I have been a victim of identity theft and fraudulent activity, which has resulted in unauthorized hard inquiries, inaccurate accounts, and a collection account appearing on my credit report. These inaccuracies are severely damaging my creditworthiness. 

Inaccurate Collection Account The following collection account is inaccurately reported : XXXX XXXX XXXXXXXX Balance : {$2900.00} Status : Collection Account Past Due as of : XX/XX/XXXX I do not owe this amount and demand its immediate removal. 

Unauthorized Hard Inquiries The following hard inquiries were made without my knowledge or authorization, in violation of 15 USC 1681b, which requires permissible purpose : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I demand the immediate removal of these unauthorized hard inquiries. 

Fraudulent Accounts Additionally, the following accounts were opened fraudulently : XXXX. XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Status : Closed with {$200.00} past due as of XX/XX/XXXX XXXX. XXXX  Listed under XXXX with an inquiry date of XX/XX/XXXX. 

These accounts were not opened by me, and I am requesting they be removed. 

Credit Bureau Obligations Under 15 USC 1681i, you are required to investigate my dispute within 30 days of receiving this letter. Additionally, you are obligated to correct or delete any inaccurate, incomplete, or unverifiable information. Failure to do so violates federal law and my consumer rights. 

Supporting Documentation I have attached the following documents to assist with your investigation : 1. A copy of my ID and proof of address.

2. Copies of my credit report highlighting the disputed items.

3. Any supporting documents related to my fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take 30 days it was less than 10 days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts
Product: Debt collection

I wrote Cavalry Porfolio Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from Cavalry Portolfio Services dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus. I received a letter dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which a generic response of this debt is valid or verified, again without any documentation. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from Calalry and myself. After speaking with XXXX today, XX/XX/XXXX, they have removed from my credit file. XXXX refusues to delete even after receiving the correspondences between Cavalry and myself. XXXX is still investigating as of XX/XX/XXXX. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from Cavalry Portfolio Services and they refuses to remove from my credit files.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XXXX AND XXXX 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. 

XXXX 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

I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that they have included the negative information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX  Collection Account XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$93.00} TRANSUNION XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection Account XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit card or prepaid card

AMEX advertised to offer XXXX XXXX points after spending XXXX dollars in first 3 month for XXXX XXXX  credit card. I spent XXXX dollars but did not receive the offer. I called the about this issue. They said they told me I won't receive this offer during my application. However I did not find this item during my application!
Product: Debt collection

I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in ay way
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in the last 5 yrs I eliminated two personal credit cards and began using my business cards for everything. They had both my name and my bus. name on them. I never suspected that when using a business card there is no reporting to credit bureaus. So now 4+ yrs later because I have only used Bus. cards I have no credit history. I can prove that I pay my card off every month and have bank statements to show it is paid by me and not some guy in XXXX in a XXXX XXXX. I can't get anyone to look at my commercial credit and give me a personal card, today i get mail that says my last attempt to get a card was turned down because of no history and that there have been too many looks at my credit history. I created those looks by applying for cards in a can do attempt to get the problem fixed. This is beyond absurd and I need help. No one seems remotely interested in helping and I surely can't be the only one who has suffered this fate. I am XXXX, have paid off 3 or 4 houses over 40 yrs and have no debt I have never had a judgement about money, I should be able to get credit. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a 609 letter to Experian dated XX/XX/2019 and I asked them to validate NOT verify my original signature with any supposed contract and they failed to validate the debt and provide me with the method of verification which is what my letter requested. They wrote me back and nothing has changed or been provided to validate this debt.
Product: Checking or savings account

Someone has withdrawn {$3700.00} without my consent or permission out of my checking account. I had also went to the bank to try to resolve the issue with them and they just wanted to take me to court to resolve the issue.
Product: Debt collection

RGS financial was leaked my information resulting in a fraudulent claim for money owed. When tried to verify, the debt couldn't be verified. I called again asking for more information and I was not given what asked for. This company does not have a valid debt to claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB about experian and the information it had about me on my personal credit report. That complaint number was XXXX. In this complaint I listed in detail the issues and provided my state issued drivers XXXX and social security card. 

Experian took well over 30 days in investigate the matter and when results did come back they simply send a letter telling me to detail the items wrong and provide them with my ID and social security card items I did give them already in the complaint. 

Since it took over 30 days items I listed should have been removed at that point. Also with requesting the ID, social Security card, and detailed complaint it is clear they didnt even read or investigate my matter at all. They just send a blanket response to get it out of their system
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/2020 contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is Sunrise Credit Services , from NY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX are crooks. Please read attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and Experian to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. 
Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. 
the accounts in question are as follow : XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX Account XXXX