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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXXt and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my XXXX  to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding several accounts listed on my credit report that have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of the Violation : Right to Privacy : 15 U.S.C. 1681 Section 602 ( a ) : This section underscores my right to privacy, establishing the importance of accurate and fair credit reporting to protect consumers from the detrimental effects of inaccurate or unauthorized information.

Unauthorized Furnishing of Information : 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : It is stated that consumer reporting agencies can not furnish my account information without my written consent, except in certain limited situations. I did not provide authorization for the reporting of these accounts.

Inclusion of Outdated Information : 15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits the inclusion of adverse information in a consumer report if it is older than seven years, except for certain criminal convictions. The accounts in question contain adverse information that exceeds this permissible timeframe.

Inaccurate Reporting : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section mandates that furnishers of information ensure the accuracy of what they report. They are prohibited from providing any information they know, or have reasonable cause to believe, is inaccurate. The accounts in question reflect inaccurate information that should not have been reported.

Given these violations, I request that the Consumer Financial Protection Bureau investigates this matter and ensures the removal of the inaccurate, outdated, and unauthorized information from my credit report.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION Last 4 social:XXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/20 XX/XX/20 XX/XX/20 and accordance with the fair credit act loan company XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud
Product: Credit card

TD Yard card changed my account number, and I was not able to make a payment by the due date because their system required my new credit card number. I was charged a {$29.00} late fee due to their failure to send me a card. 

I have attempted multiple times to call the customer service number provided and have waited an hour each time without being able to speak to an agent. This is fraud on their behalf and I want the {$29.00} late fee refunded.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2024 I disputed all negative items on my report and Experian responded to my complaint stating they contacted the data furnishers to verify what was being reported, and replied to my complaint claiming they sent me the information to review. None of the information I requested was ever provided to me. I did not get any contracts with my signature on them confirming I am responsible and owe any debts. I did not receive any accounting of the account in question showing payments and dates to confirm the amount. I did not receive any records of collections agencys license which proves they can practice debt collection in my state as requested. I did not receive names or contact numbers for any of the representatives who allegedly verified these debts as accurate that Experian claims they spoke to. Pursuant to 15 USC 1681i ( a ) 1 the timeframe on this request was 30 days, which Experian has failed to verify these debts. I have the right to request validation of the debt, and not just a company verifying my name and address claiming to have done business.
Product: Credit card

This is a credit card fraud case beginning in XXXX 2016! I orignally reported the fraud charges to usaa in XXXX 2016! Total fraud charges of over {$3000.00} were added to my credit card balance due, of which {$26.00} were charges belonging to me! Most fraud charges have been credited to my balance due except {$670.00} which were transferred to my balance due payment for XXXX 2016. After reporting fraud charges I have repeat- edly talked to customer service, fraud dept. attempting to reach a conclusion and a " XXXX '' balance! A letter, e mails were sent asking for verification ( transactions ) of balance due! 
At this time usaa has not responded and the calls to c/s has been promises and no results!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law 15 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset that this credit reporting agency has not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I am demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Mortgage

I sent Mr. Copper a copy of my divorce decree requesting that my name be removed from the mortgage of the home he was awarded as part of our divorce settlement. It has been almost two years and they refuse to remove my name from the mortgage. This could impact my credit negatively is he decides to stop paying the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$7100.00} XXXX  XXXX XXXX    XXXX {$1600.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$420.00} XXXX  XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX  XXXX   XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$3500.00}
Product: Debt collection

Complaint Against Sentry Credit for Attempting to Collect on a Fraudulent Account and Violating the FCRA/FDCPA Details of the Issue : I am filing this complaint against Sentry Credit regarding their collection efforts and reporting of a fraudulent debt on my credit file. The account in question originated with XXXX and was sold to Sentry Credit despite being flagged as fraudulent. 

I am a victim of identity theft and have provided substantial evidence to XXXX, including : 1. A police report documenting the identity theft. 
2. An IC3 report filed with the FBI. 
3. Copies of my identification verifying my identity. 

Despite this, XXXX sold the fraudulent account to Sentry Credit, which is now attempting to collect the debt. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : 1. Sentry Credit is reporting a fraudulent debt on my credit file without verifying its accuracy, violating 15 U.S.C. 1681s-2. 
2. They are attempting to collect a debt that is not mine, despite being informed of the fraud. 
3. This account is causing ongoing damage to my credit report and financial well-being, as it falsely implies that I owe a debt I did not incur. 

Steps Taken to Resolve the Issue : I have contacted XXXX and provided them with the necessary documentation of fraud. I have also disputed this account with the credit bureaus, requesting its removal. Despite these efforts, Sentry Credit has continued to report and attempt to collect on this fraudulent debt. 

Relief Requested : I request that the CFPB investigate this matter and take the following actions : 1. Require Sentry Credit to cease all collection activities on the fraudulent account. 
2. Ensure that the fraudulent account is removed from my credit reports immediately. 
XXXX. Hold Sentry Credit accountable for any violations of the FCRA and FDCPA. 
4. Provide me with written confirmation that this account will no longer be pursued or reported. 

This situation has caused me unnecessary stress, financial harm, and damage to my credit score. I appreciate the CFPBs assistance in resolving this issue. 

Attachments : Police Report IC3 Report Acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I had previously disputed XXXX of the items and received a response from the credit bureau " verifying it as accurate '' without any explanation of how and completely violating me as a consumer as I know it not to be mine! 

( See Attached )
Product: Debt collection

There is an account that i did not know was even there and now its affecting my future on housing
Product: Debt collection

In XX/XX/year> I requested in writing that Nelnet only contact me through the US mail. Nelnet sent repeated emails to collect on the debt and called my cell phone on XX/XX/XXXX at XXXX in an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX, has violated my rights.

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

15 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 I also have some inquiries on my credit report that I didn't authorized and unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX is an unauthorized and unknown authorized user account reporting on my report, I'm asking that this account be removed.
Product: Debt collection

I first received a medical bill from PHOENIX FINANCIAL SERVICES LLC, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of XXXX services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my Experian and XXXX  Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless Experian, XXXX and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting Experian, XXXX and XXXX to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of Experian report for XXXX account # XXXXXXXX XXXX  XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} -XX/XX/XXXXXX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX  XXXX XXXX  XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of Experian report for XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}
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 U.S.C 1681. XXXX XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. INQUIRIES that doesnt belongs on credit report. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if 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

My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. DEPTEDXXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amounts : {$2600.00}, {$4600.00}, {$1000.00}, {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00} XXXX. XXXX XXXX XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$640.00}, {$2000.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$0.00}, {$3700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$310.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$780.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX OF XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1700.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I mailed out via XXXX certified mail an Identity Theft report dispute package FTC.gov instructs victims like me to use as a safeguard to make sure items are properly verified. The packages were XXXX certified to XXXX, Equifax and XXXX regarding an alleged XXXX XXXXXXXX XXXX account showing on my credit report. 
They received the first dispute packages on or about XX/XX/XXXX. I never received any correspondence or documentation. 
I waited patiently for 6 months. I then filed a direct dispute to XXXX XXXX XXXX and enclosed " What Information Furnishers Need to Know '' This XXXX page document was prepared by the Federal Trade Commission and explains what Data Furnishers need to send consumers like myself to resolve this Identity Theft issue as it relates to the alledged XXXX XXXX XXXXXXXX Account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023