23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Notice of Dispute - Violation of FCRA Rights and Request for Account Removal To Whom It Concerns, I am writing to formally dispute the handling of my credit information by Equifax and to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. After reviewing my credit report, I have discovered that there is an inaccurately reported charge-off account from XXXX XXXX with the account number # XXXX. 
Under the FCRA, I have the following rights, which have not been adequately addressed in the handling of this account : 1. The right to an accurate and fair investigation : Equifax has failed to conduct a proper investigation into the disputed charge-off account, which is my right under the FCRA.

2. The right to dispute inaccuracies : As a consumer, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. This includes late payments associated with the disputed account. 
Based on the aforementioned rights, I hereby request that Equifax promptly removes the disputed charge-off account from my credit report, along with all associated late payments. I expect this to be done in a timely manner, as required by the FCRA. 
Failure to comply with my request and rectify the inaccuracies in my credit report may lead to further legal action to protect my rights under the FCRA. 
I have attached relevant documentation to support my dispute. Please review this information and take the necessary steps to correct my credit report accordingly. Thank you for your attention to this matter. I anticipate a swift resolution in accordance with the FCRA 's guidelines. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see uploaded documents pertaining to compliance dispute against TransUnion based on XXXX reinvestigation results determining listed accounts to be unverifiable and deleted from consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting XXXX XXXX XXXX XXXX when they requested for it to be deleted. Remove from my report immediately.
Product: Debt collection

After carefully inspecting my latest credit report, I identified several accounts that I believe are incorrect and were included without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am undergoing the home loan process and as part of underwriting the loan provider found one of my student loans has not been reported on since 2014. I receive updates from Wells Fargo regarding the status of the loan, and have been trying to contact them to verify the status of the loan ( payments, balance, etc. ) but they have not responded to my attempts. 

This loan was originally through the XXXX XXXX, but now is serviced through Wells Fargo. Frankly, I am doing this because I dont know what else to do. I have tried calling Wells Fargo but nobody there seems to know anything about the loan, and my emails to the individual who has sent updates in the past ( XXXX XXXX ) have gone unresponded to, and at this point I am starting to get genuinely worried that this is going to ruin my attempt at purchasing my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to correct the inaccurate account which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and correct my records. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$0.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6300.00}, {$1800.00}, {$450.00}, {$6300.00}, {$5900.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNT 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

15. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Product: Checking or savings account

I opened a TD bank account with two of my stimulus checks while I was in a XXXX  program at the time I made account witch was on XX/XX/2021 not long after that I was able to have my visit with my son so once a week on Tuesdays I would have my son 's father oder me an XXXX with my card after my third visit someone hacked into one of three thing his cell phone our wifi or stolen my online information and got into all my accounts was making purchases wier transfers ect with my card but my bank card was in a safe locked up by staff my son 's father I them to him once and he deleted the information right away he said so I completed XX/XX/2021 after a 90 day program and returned home where my paper statements were sent to none were opened On the sometime that week I took XXXX out for rent and back rent not a problem Im doing my classes for the courts and all the sudden when Im about to complete them someone locks me out all my accounts I went through about 33-50 email address as soon as I got one they would steal it and lock me out so I finally get back into my account after a month or so I had emails and complaints filed against me foXXXX XXXX XXXX and a bunch others FYI ( I don't have a license I haven't since I was XXXX ) So now someone has my identity and changed my mailing address to obtain my identity credentials so I get my statement and I go up to TD and say something about XXXX so the gave me back the XXXX that was taken from my account so I get my next statement in I start going through everything I see all together someone yet again after I put a extra security lock on it stole close to XXXX my son 's father was XXXX since he was on the account to now that someone could just take our money and TD said there was no signs of theft but this person made two online accounts and after we locked the account down TD refused to reimburse us now this is two years later and after doing my own research it seems to be published in a law news paper the same person who paid my son 's bail has a relative or sibling who works for the TD bank the real estate department I could have really used that money to afford a real lawyer for my case now I just want justice with it because for close to almost 4 years now this person has targeted me and yet nothing has been done about it the only reason I can see is either she has money or she is an ex girlfriend of my son 's father who had it out for me I'm an American us citizen a XXXX XXXX and just trying to get my life back in order from the mistakes I've made in the past because I tried my life around for my son I'm being set up for something I never did
Product: Credit reporting or other personal consumer reports

I want these items removed that are attached from these letters and documents. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXX XXXX XXXX account XXXX XXXXXXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX  DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a request to reinvestigate the information that I previously disputed. It is unacceptable that the items are still showing on my report, I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act. I reserve the rights to file a law suit against your company or any company you represent.
Product: Debt collection

In XX/XX/2018, I had XXXX XXXX XXXX XXXX services which around this timeframe I was only a minor and being charged of {$1200.00} which is invalid and I do not owe the amount of charges as I barely have any income or any type of bank/routing account available and as of writing I am now XXXX years old, and in 2018 I was only XXXX years old when the account got set up and had to lie about my age due to privacy reasons. 

The account got closed after TWO WEEKS, and not even a month after getting the services.
Product: Checking or savings account

I maintain a healthy balance across several Chase checking & savings accounts that exceed their 5-10k minimums. Currently XXXX in there right now. Typically transact about XXXX in money channeled in and out of there accounts annually. Another 40-60k spend on Chase credit cards annually. One of my accounts dropped below the XXXX XXXXhreshold, and Chase racked up fees without notifying me until I caught it a couple months later. I requested a waiver for the fees since I do a lot of business on my Chase accounts and hold a good pile of cash in them. They refused to waive more than the last month 's fee even though I maintain a lot of money across my Chase accounts and do a lot of business with them. To say I am disappointed in this outcome is to put it lightly. I guess I'll close my accounts and bank elsewhere if this isn't resolved to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing multiple inaccurate information on my credit report. I contacted the creditor and they gave me information about the open account. I have no knowledge of the account. I did not authorize to open this account.
Product: Credit card or prepaid card

To whom it May concern ; I file this complaint, because I was a victim of fraud through a store in the XXXX XXXX, which sells the XXXX product, apparently the young woman who sold me the product, used my credit card to continue using it without my authorization and is reflected in my bills of the XXXX Master Card shop your way credit card. Due to fraud I call the customer service and cancel the credit card. I made the complaint, the investigation was done and the fraud staff of shop your way credit card sent me a letter with the solution of my case and " they eliminated the charges, interests, etc. '' The situation now is that the account number of the solution is not the account number of the card where the fraud was made, apart from the company shop your way, they change the number of the card account where the fraud was made, and they put another account number without my authorization, apparently now I have three different accounts and all with my name and address. Every time I call customer service XXXX they tell me that I have three cards when I only had only one, the one I canceled for fraud. It turns out that I sent my payments to this account and they charged me. When they sent me my account statement, I didn't notice that my payment wasn't going down, and I realized that the bill account number is different from the real number of my account. I have so much confusion, and so much trouble with these people from shop your way that now I feel that they are also making me fraud, that's why my complaint. I have not sent any more payments because I feel they are robbing me. I have not seen that they have eliminated any charges, because the account that appears in the solution letter is another account number. I need you to investigate them please, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has twice requested TransUnion to update XX/XX/2022 and XX/XX/2022 hard inquires to soft inquiries. TransUnion has not complied.
Product: Credit card

I had a statement cut in XX/XX/year> that still had a balance on it it was like {$1200.00} for the whole balance. However about a week later I received another statement from the credit card company stating they waived the charges on the card They waived the fees and the balance was XXXX. So I called them to verify and they said no you still have a balance on a card I said that you sent me a statement that showed a {$0.00} balance they asked me to send it to them and they would get back to me they never got back to me.
Product: Debt collection

My name is XXXX XXXX and after looking at my credit report I noticed that there some things on there that are alarming. 

It is a concern of mine that there are several inaccurate and incomplete accounts on my credit reports that needs to be addressed as it is stressing me out because I am not able to obtain credit. I am disputing the completeness and accuracy of the items of information below submitted by Debt Colleaction companies. Please investigate for the accounts below information pertaining to these accounts. The Debt collection companies have threatened to sue me on an old debt, accusing me of not paying them, which I stated I will not pay them. The Debt collection company has reported the old debts to all Credit Report Bureaus.

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 168b permissible purposes of consumer reports. 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. In accordance with the Fair Credit Reporting act 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 have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a. 

The accounts below are fraudulent and inaccurate. Why is there a past due on a collection? Collections are not supposed to be reporting a past due because they are past due in the first place. 
JEFFERSON CAPITAL LLC Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX, SC XXXX You as a consumer reporting agency are held to a high standard with this statute as you have a big responsibility to be fair to the consumer with fair and accurate credit reports. Anything different can jeopardize the integrity of the report and cause severe harm and damage to myself as I am not able to obtain credit. 
Please respond back with your investigation results in 30 days. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX  XXXX XXXX date open XX/XX/2017 Amount XXXX