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

RE : Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. 

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681.

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I see a account on from XXXX XXXX XXXX  that's not mine it's a fraudulent account an shouldn't be on my credit report for XXXX
Product: Mortgage

Back in XXXX my mortgage company fail to pay property taxes for my house, and on XXXX XXXX my town was going to sell my house on a public sell due to unpaid taxes. I contacted the bank immediately and the taxes were paid including any late fees and penalties, but the next year they adjusted my escrow account. It increased by about XXXX XXXX dollars for about twelve months. My mortgage was sold to my present mortgage company back in XXXX. I had an escrow with the other mortgage company that had the founds to paid for the taxes and insurance for the year XXXX. I had contacted the bank several times with the problem, and I had been told that they are going to investigate, but nothing. When they adjusted my mortgage in XXXX ; I went late on my payments, right now I am 1.5 months behind with a bunch of late fees and penalties on top of that. I know that the mortgage company owns me the money, they made me pay when they adjusted my escrow account in XXXX, because that money was paid in XXXX to the previous mortgage company. 
Please contact me with any questions and help me please.
Product: Credit card

XXXX XXXXXXXX ago, I completed at balance transfer at 0 %. I knew the intro rate was expiring soon, and I was going to pay the balance in full. I searched for the information on my monthly statements and noticed the expiration date was missing from all of my statements from the time I initiated the balance transfer. I called and spoke with a rep on XX/XX/XXXX and was told my expiration date was XX/XX/XXXX. I mentioned the expiration date is not disclosed on the monthly statement. The Capital One rep acknowledged this was a complaint they received from several customers, and they are looking at making changes to that. They said there was nothing they could do for me, and I would have to pay the full balance. I spoke with a supervisor and asked to escalate the matter further. I was told there was no one else to speak to and that I would have to pay the full balance.
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 title 15 U.S.C. 1681 : US DEPT OF ED/XXXX : # XXXXXXXX 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 XXXXXXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS. I DEMAND THAT THESE ACCOUNTS ARE DELETED FROM MY CONSUMER REPORT! 

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 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match Trans Union and XXXX XXXX Opened-information does not match Trans Union and XXXX XXXX Limit-information does not match Trans Union and XXXX Last Reported-information does not match Trans Union and XXXX Comments-information does not match Trans Union and XXXX Date Last Active- information does not match Trans Union and XXXX Date of last payment - information does not match Trans Union and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code XXXX XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts any inquires listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts.

Accounts : Account Name XXXX XXXX and Account # XXXX, Account Name 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 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

Please assist me. 

" XXXX XXXX - XXXX XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX USA XXXX XXXX The company continues to report the fraudulent account on my credit report. 
Please investigate this.
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. 

List of Unauthorized Inquiries : XXXXXXXX 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 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

I have been transferred to many people at capital one and Ive been getting the run around all year round. I agreed to do a 3 month settlement for one of my accounts and i have the final letter in my email. It should have been 3 payments that equal to about {$360.00} last payment was sent XXXX XXXX ish. It should be complete and off my records. I should only one capital one account on my credit at the moment. But today i get an alert and it dropped my score at a large rate thats already hard for me to get increased. I worked hard on my credit score but for something wrong to be reported and drop my score is very upsetting.
Product: Credit reporting or other personal consumer reports

I have previously disputed the bankruptcy with all three credit bureaus and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response was they do not report to the credit bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX bal. {$9600.00}, XXXX XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX bal. {$1800.00}, XXXX XXXX bal. {$970.00}, XXXX XXXX bal. {$190.00}
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against Wilber Group and XXXX XXXX regarding a misleading and unauthorized online agreement that was entered into without my informed consent. Below are the details of the incident : Incident Date : XXXX XXXX XXXX Parties Involved : Wilber GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Issue : On XXXX XXXX XXXX, I received an email from the Wilber Group that included a link to view my account. The email explicitly stated that pressing the link would not authorize any agreement or payment. However, after clicking the link, I was directed to a page that displayed a promissory note and payment authorization for a debt of {$21000.00} related to a car accident. This promissory note claimed that I had agreed to pay a down payment of {$1500.00} on XXXX XXXX XXXX, with monthly payments of {$350.00} starting in XXXX XXXX

Misleading Practices : The email communication was deceptive as it led me to believe that no agreement or authorization would occur by clicking the link. I did not knowingly consent to this agreement, nor was I given a proper opportunity to review or reject the terms before being shown that I had electronically signed a legally binding promissory note. 
Lack of Consent : This agreement was entered into without my informed consent, violating my rights under the Electronic Signatures in Global and National Commerce Act ( ESIGN Act ). The process did not make clear that I would be authorizing any payments or signing a legal document. This type of misleading behavior constitutes an unfair and deceptive practice. 

What I Am Requesting : I am requesting that the CFPB intervene in this matter by : 1. Ensuring that Wilber Group and XXXX XXXX void the unauthorized agreement. 
2. Cancelling any scheduled payments or obligations related to this unauthorized agreement.

3. Confirming in writing that the agreement has been canceled and no further action will be taken against me. 

If necessary, I am willing to provide supporting documentation, including email communications and screenshots of the unauthorized agreement. I look forward to your assistance in resolving this matter. 

Thank you for your attention to this issue.
Product: Credit card

I became an authorized user WITHOUT MY APPROVAL on my mother 's American Express credit card. 
The account is now closed however the bad credit still appears on my credit history. 
I called American Express and they seem to have dropped it from my credit history. 
The XXXX credit reporting companies I 'm referring to are : XXXX and XXXX. 
XXXX seems to have gotten the memo -- they erased my credit history on the card. 
HOWEVER, XXXX HAS NOT. They still seem to think that I owned the account. 
Please contact American Express as well as XXXX AND TELL THEM THAT THIS IS NOT MY ACCOUNT AND I WANT THE CREDIT HISTORY COMPLETELY ERASED. 
Note : I just applied for a XXXX XXXX XXXX credit-card, and got approved. TELL THEM TO LEAVE THAT ONE ALONE BUT CANCEL THE AMERICAN EXPRESS CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

Name : XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX WF CRD SVC XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This is my last correspondence to have this frivolous & unverifiable account deleted. Convergent Outsourcing has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. XXXX XXXX XXXX bills DO NOT constitute ownership. This account needs to be deleted IMMIDEATELY.
Product: Money transfer, virtual currency, or money service

On XX/XX/13, I went to XXXX western union to send money to XXXX XXXX. At the time, I was charged with massive {$58.00} transfer fee which I did not received any disclosure about. I've asked the employee at the time of the transfer how much is the fee, employee did not disclose the information but told me she does not know until I completed the transaction. Because my english proficiency is not good, I feel that the XXXX has taken advantage of me. I went to XXXX XXXX western union and performed the same international transfer and it only cost me XXXX some dollars. I went back to XXXX asking for refund on the fees charged and the employee told me that's how much they charge. Still, did not provide me with the service fee schedule where I can look before sending the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.
Product: Credit reporting or other personal consumer reports

Every single alleged account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of XXXX XXXX XXXX Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every account is unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all three bureaus no change, I have no knowledge of this inquires if you could help me i would appreciate it so much I'm XXXX and a veteran thank you the accounts are listed XXXXXXXX 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 All this accts are hard inquries and i have no knowledge or gave no permission. I disputed XX/XX/2023 XX/XX/2023 no changes on my report XXXX XXXX experian thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date. Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and my complaint is regarding a car that I have leased for four years from Hyundai/Kia. At the end of the lease term I was sent a bill in the amount of {$2500.00} which I paid onXX/XX/2021. Shortly thereafter I made that payment and received confirmation that from my bank that the payment was withdrawn from my account. The representative from Kia Finance made me aware that my account would be credited that same day and that I would received a satisfaction letter in the mail. The following weeks continued to received late notices from Kia indicating that I have missed a few payments even though I paid my balance as a result my account was reported as delinquent and late! which has cause my credit score to decrease dramatically! I spoke to a representative with Kia Finance whose name was XXXX on XX/XX/2021 - he advised me there an error made on their end when they took my payment for XXXX. The error was that they posted my payment and credited it to another customer 's account instead of mine. They offered a resolution to remove the derogatory mark from my credit report and properly credit my account with the XXXX payment that I made to them. I was promised a phone call however I haven't heard from anyone. I need your help to hold this institution accountable for messaging up my credit rating! 

This is joint account with my mother XXXX XXXX XXXX whose credit was also Impacted. 

The creditor is Kia Finance Address : XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX cardbXXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX and XXXX inquiries. Please Im sorry but Im stressed.