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

I am writing to follow up the persistent issue of fraudulent items on my credit file, marking my several attempts to rectify this matter. It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items persist unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. 

Despite repeated efforts to dispute and remove these fraudulent items, they continue to remain on my credit report, causing significant distress and detriment to my financial well-being. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XX/XX/2023.
Product: Checking or savings account

I had {$4200.00} in savings at Wells Fargo, in 6 weeks a cloned card wiped out my account, the bank never sent me a notification of suspicious activity, even when the employee at my branch informed me there was a " suspicious activity '' flag in my account. Also the cloned card had a different expiration date than my actual card ( which I have XXXX, the bank once my account was in zero, closed it, they even charged me " Excess activity fee '' every day as my account was being robbed.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the fair Credit Right Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX. 
15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
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. 

XXXX  Accounts : XXXX XXXX, XXXX, XXXX XXXX  and 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. 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, credit repair services, or other personal consumer reports

Thru numerous letter disputes I've sent out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX ... I've pleaded with the Equifax, XXXX, and XXXX  that they were reporting inaccurate information due to the following accounts : " XXXX XXXX which is an account that was removed from my credit report and now reappears and as the information reporting clearly determines its an re-aged account and the information reporting doesn't add up, meaning how can a account be opened in XX/XX/XXXX and have date of last activity of XX/XX/XXXX? Account : XXXX XXXX : which shows on some bureaus as Charged-Off/Collections and on others as " Open ''? How is this the case especially when the charges to the account was made by someone other than myself as I told them without my permission and their employee authorize the transaction, which I shouldn't be held accountable for ... Account : US BK XXXX : an account that has clearly not been investigated or verified properly because I've never had an account or credit card with such company and my SSN doesn't match that person they're accusing. Account : XXXX XXXX ... account is reporting inaccurate information by all 3 bureaus as I pointed out on the above dates and neither is yet to send the proper documents or paperwork verifying the account. Simply due to the above facts and information taken from the individual credit reports, these accounts should be removed from my credit file as its hindering me from obtaining the lifestyle of having excellent credit or building decent credit. Again I've pleaded with them and pointed out the mistakes on the credit reports and all they seem to come back with is this account has been verified, which is not true. I've even reached out to the original creditors with no response of verification of said accounts, not to mention neither bureau responding to my XX/XX/XXXX dispute letter, which is way beyond the 30-45 days that's required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have not provided proof and either was removed or re-inserted without notifying me.

Portfolio Recovery was an account that was removed on XXXX2017 from XXXX but both XXXX  and XXXX have not removed the account, although the creditor failed to provide proof.

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. XXXX XXXX  was an account that was deleted XXXX2017 by XXXX XXXX  account but re-inserted without notifying me or proof.
Product: Credit reporting or other personal consumer reports

XXXX5 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if he believe the information in inaccurate XXXX accordance with the Fair Credit Reporting Act the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ARS co llection agency.  First appeare d on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to  XXXX ,  XXXX  and  XXXX . All  XXXX  agencies removed the listings. Fast forward  two years la ter, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with  XXXX ,  XXXX  and  XXXX .  Again sent request to validate the debt - tracked of course though the USPS. They again failed to valid ate the debt. Still not removed from  XXXX ,  XXXX  and  XXXX . I do n't recognize the account and they did not send validation of the debt.     They 've now responded to my complaint via the cfpb only - I still have never received validation. They did not send it. I realize they say they 'sent validation ' yet validation was never received. I have my receipts showing they received my correspondence.     In addition, I was a N YS  XXXX  and   XXXX   XXXX   pa tient during the time period in question I think. Given that first "  XXXX   XXXX   XXXX  '' never sent me a bill and the n ARS has never sent me the information, and I have repeatedly asked for validation in an original itemized state ment through cfpb. If this was through   XXXX   hospital, they can not bill me because they failed to file or get paid by  XXXX . I am not personally liable.   XXXX   hospital has a contract with NYS  XXXX . They are acting in violation of their contract and NYS/Federal law. SO AGAIN please send me the itemized original statements so I can follow up with who I need to in  XXXX .     I request to see any signature pages where I agreed to pay this. In addition I had  XXXX  and  XXXX   XXXX  during the accused dates of services. I gave them the information. You can not legally bill a patient who has  XXXX  as "  XXXX   Hospital  '' as this response says, if they did not do their job at billing by submitting the claims to  XXXX . They are in a contract with  XXXX  as well as the  XXXX   XXXX  's. I believe they do not have the documents to support this accusation of debt, and since it all was covered by  XXXX  /  XXXX   XXXX  they have to write this off, they can not bill me.
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. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

All Previous fees had been paid. The only pending amount on the account was for " membership '' fee of {$95.00}. Against better my judgment I paid the fee and cancelled the card on XX/XX/2016. I spoke with a supervisor at XXXX. The remaining fees are the {$36.00} late fees for untimely payment of the membership fee. The card was not used during this time. I requested they wave the late fees as I have paid the membership, but to no avail. I have not and will not use their services. I no longer have the card I shredded it. The account is a AMX Green Card ending XXXX In addition my XXXX rewards point were forfeited.
Product: Debt collection

I received a phone call at XXXX on my home phone. I was awakened, as my family was still on vacation, but I missed the call. When I called back at XXXX to inquire about it, I was asked to hold, then hung up on. I still have no idea - WRITTEN or otherwise- as to what the issue is. I filed with the company 's local XXXX ( with whom they are a member I believe ), and received a canned response from their legal unit 2x telling me to contact the FTC.
Product: Credit reporting or other personal consumer reports

Hi, I received an email from Experion stating my account has been updated and if I didnt make changes to contact them through email. 

I did not make changes to my account so tried to log in and see what was changed but was not able to log in ( later found out that a criminal fraudulently accessed my account and changed at minimum the email and phone number ). 
I emailed as was instructed and was told that in order for them to look into the issue I had to send them my SS card, government issued ID and a bill/bank/insurance statement by fax or snail mail. So basically everything a criminal needs to commit identity theft, I had to send to experion in order to address that another criminal accessed my account. 

I tried calling experion and was trapped in their automated system where the system would not transfer me to a live agent nor was able to provide information on addressing the issue. The automated system did provide that the email on my account was XXXX which I do not have. I set up that account with my XXXX so that is when I realized the changes made were by someone gaining access to my account. I called again and tried a different set of commands and got a person. That person told me the same thing as the email- I have to send my SS card, government issued ID and bill/bank/insurance statement by fax or snail mail. 

So here I am, locked out of my account, no ability to check for fraudulent activity and the only way to fix this is for me to send a set of documents by snail mail or fax to experion and hope that no one else gets a hold of these documents as it is everything a criminal needs to steal my identity. And then wait for someone at experion to take the next steps in giving me my account back and hopefully destroying the documents I had to provide. Experion has had data breeches so I am not comfortable with how this is being handled. I do not understand how someone was able to take over my account so easily and how difficult it is for me to get it back. 

I did not give anyone access or permission to take my account. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, 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
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 USC 1681. 
XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DIFFERENT SOCIAL SECURITY # SSN : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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 card or prepaid card

ATTENTION TO XXXX XXXX BANK. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account previously from my file as the amount of {$2100.00} does not belong to me although it seems to still be reporting This account was fraudulently opened through this company XXXX XXXX BANK in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted Ally Financial who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the Ally Financial inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXXXXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/2016 and a balance of {$2100.00}. 

It is to my understanding that this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO IS ON MY REPORTS ... AS A HARD INQUIRY ON XX/XX/2018 ... I HAVE ASKED REPEATEDLY REGARDING THEIR HARD INQUIRY DETAILS AND WHAT INFO AND DATA THEY ARE REPORTING TO BUSINESSES BEACUSE I WAS DENIED A LOAN I ASKED THEM REPEATEDLY TO SEND .ME MY INFO TO XXXX XXXX XXXX XXXX NC XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent physical condition.

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore.

1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
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 : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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.