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

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear XXXX I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : XXXX XXXX XXXX  Creditor Name : XXXX, XXXX, EXPERIAN Account Number : XXXX Date : XX/XX/2023 Amount : XXXX I have previously submitted a dispute to your agency, providing documentation supporting the inaccuracies in the above-referenced account and requesting its removal from my credit report. Despite your reinvestigation, the inaccurate account remains on my credit report, which is a direct violation of the Fair Credit Reporting Act. 
As per 15 U.S. Code 1681i ( 5 ), if the reinvestigation does not resolve the dispute, the credit bureau must delete the disputed information within XXXX business days of completing the reinvestigation. The failure to adhere to this provision is unacceptable and has caused me financial harm and distress.

I am requesting an immediate correction to this violation, and that the inaccurate account information be promptly removed from my credit report in compliance with the law. Please provide me with written confirmation of the deletion of the disputed account and actions taken to rectify this violation.

I expect a prompt response within the required timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken.

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of EnforcementConsumer Financial Protection Bureau1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX # XXXX
Product: Credit reporting

I have sent 3 dispute letters to Equifax asking them to provide proof that these accounts belong to me and that I agreed to pay the debt. They have 30 days to respond to each letter. They have only responded to the first one stating that they have investigated and they will not re investigate these accounts. They have not sent me any valid documents proving that the accounts are accurate and belong to me. according to the 609 Credit reporting Act it is against the law to report unverified accounts to a person 's credit report. If the accounts can not be verified then the credit bureau has to remove the accounts promptly. They have failed to do so. The last dispute letter was sent XX/XX/2017. They 've had more than enough time to provide me with proof that the accounts on my credit report belong to me. All three dispute letters were signed, notarized, and sent with certified mail. The unverified accounts that remain on my credit report are as follows : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX >  I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX XXXX XXXX (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX XXXX do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you in dispute of the below creditor, Debt Originator : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Collection Agency : Midland Credit Management XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently disputed this account with the CFPB, as a resolve the company stated it could not locate me in their database, therefore requested more information. 
I have provided as much information as possible and again I am requesting that the reported information be removed from all credit reports for the following reasons. 
1. The reported balance of XXXX is incorrect - I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. 
XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 

On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. 
Attached are several labeled documents to support my claims. 

Thank you in advance for your assistance in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

On the morning of XX/XX/year> ; I woke up to XXXX different charges posted to my Wells Fargo Everyday Checking account from XXXX XXXX in the grand total of {$850.00}. I immediately reported my debit card as compromised on the Wells Fargo app. I set up a replacement card via XXXX XXXX and within that 5 minute span, the XXXX and final charge was made. I called Wells Fargo and explained to them that these charges were not made by me and there is something wrong with both my Wells Fargo account as well as my XXXX XXXX  system, my claim was denied by Wells Fargo. I called in attempt to escalate the situation and was told You can always file a lawsuit against us by the representative
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with XXXX XXXX and they need my experian score to be at least XXXX to get a loan. I have done everything right. Paid off cards, car etc and my score goes up but each time it isnt enough to get to XXXX XXXX XXXX  has pulled my credit several times in the last 30 Days and they told me that they can pull for 45 days without it effecting score. I called experian today and they said that is not true. Every time a hard inquiry is pulled it lowers score. They told me my score was over the XXXX but because of the inquiries it keeps going down. I need these inquiries to be removed to raise my score
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is XXXX XXXX XXXX XXXX XXXX XXXX Therefore , I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Commenity Bank makes repeated harassing calls to my work number that I have specifically stated to put on " not authorized to call number. '' They continue to call my work number repeatedly back to back and then leave threatening voicemails, violating my request to not call my work number. The representative makes 4 calls per hour and threatens I have until midnight to pay or seek an attorney. They are continuously making contact with my family members and harassing them for payments as well. When I call the Commenity phone number provided in the the voicemail with extension provided the representative states they do not know the person who left me a voicemail and advises me to provide them my personal information before proceeding. The representative I reach sounds exactly like the female that left me the voicemail on my cell and work number. Each time I call back the representative has the same voice just a different last name. And the conversation has a familiar context without me having to provide or divulge any information from the voicemail I was left on my cell or work number.
Product: Credit card

Hello, On Tue, XX/XX/XXXX, XXXX I was notified via email by the merchant XXXX  XXXX XXXX that my " tickets were ready. '' They were referring to XXXX XXXX for the XXXX  XXXX at XXXX XXXX XXXX allegedly purchased by me online using my Bank of America Visa  Card. The email contained instructions for downloading the XXXX. I did not do so as they were not legitimately purchased by me nor do I own a XXXX XXXX account. 

On Tue, XX/XX/XXXX, XXXX I was notified by Bank of America XXXX a very suspicious activity had occurred on my Visa card. I had already accessed my account online and saw a charge by XXXX XXXX in the amount of {$4100.00}. I called Bank of Americas XXXX XXXX and confirmed with their representative that in no way had I made that purchase, that someone had used my Visa card fraudulently online. The representative informed me that despite it being denied a first time, the charge was put through a second time. She then informed me they would begin a claim. 

I called XXXX XXXX and s/w their fraud division. They said they would investigate but I received no claim number from them. 

After a second call to Bank of America, I was notified that they would provide provisional credit to my account during their investigation, which they did. From that point forward I received only letters indicating that they were working on my claim. I was never asked for any supporting documentation and I never heard from XXXX XXXX again Today, XX/XX/XXXX, I received notification via email from Bank of America that my fraud claim was complete and that they had ruled against the claim. The {$4100.00} appeared back on my statement as part of my account balance Attached is a transcript of emails from Bank of America alerting me to the " very suspicious '' charge with an excerpt of the charge and initial " fraud dispute '' notation by B of A from my XXXX account statement. Even though XXXX XXXX sells tickets online only, according to Bank of America, the fraud dispute states that this was not an online charge? Also attached is the cover letter of the claim denial and emails from XXXX XXXX re : the so called ticket purchase. 

Bank of America provided forms related to their exchange with XXXX XXXX and XXXX XXXX response as to why they claim the ticket purchase was legitimate. Please advise if you need that information and I will provide it to you My concern is that Bank of America is not providing me with proper protection per lending regulations, and that in no way should I be held liable for services that were not delivered to or used by the rightful party. 

I appreciate you looking into this matter. If you need any additional information, please feel free to contact me at any time. 

Thank you
Product: Debt collection

I sent a letter XXXX requesting validation information about the debt in question. I received a letter dated XXXX stating they received my inquiry. Since then I have received multiple emails regarding the debt in an attempt to have me pay the debt, and threatening legal review and possible lawsuit. I am under the impression that attempts to collect debt must cease until I receive the debt verification information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/year>. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen : 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

Submitted it to you earlier but forgot to attach my bill and my drivers licensee and Social security card attaching all the information again
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment with the multiple attempts I have made to correct a late open accounts on my credit report. Despite numerous efforts to address this issue, the late open accounts remains, causing unwarranted harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports, specifically highlighting the late open account, along with supporting documentation that substantiates my claim. 

Despite my persistent efforts, the late open accounts persists on my credit report, causing undue financial stress. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly correct the late open accounts on my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to resolve the inaccuracy. 

If my concerns are not addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct this late open account 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
Product: Debt collection

XX/XX/2015 was original date of debt with att {$54.00}. Bill was payed shortly after becoming aware of it and has been removed from all other sources and collections. Was removed from both XXXX and XXXX  but showed back up on XXXX and is incorrect. Bill was payed.