23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2019 Capital One Spark Business XXXX. XXXX XXXX XXXX, VA XXXX CEASE AND DESIST If you are represented by legal counsel, please direct this letter to your attorney immediately and have your attorney notify us of such representation. 

We are writing to notify you that XXXX XXXX, the person to whom you addressed your letter, is not and has never been associated with XXXX XXXX XXXX. Accordingly, you are hereby directed to CEASE AND DESIST SENDING CORRESPONDENCE TO XXXX XXXX AT XXXX  XXXX XXXX XXXX XXXX, CEO of the XXXX XXXX, is the sole owner of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX  XXXX It has come to our attention that you have been sending letters to XXXX XXXX, who is not and has never been, associated with The XXXX XXXX. 

We demand that you immediately ( A ) cease and desist your unlawful use of someone else 's name associate with The XXXX XXXX and ( B ) provide us with prompt written assurance within ten ( 10 ) days that you will and desist from sending correspondence addressed to XXXX XXXX. 

If you do not comply with this and desist demand within this time period, XXXX XXXX is entitled to use your failure to comply as evidence of willful infringement and seek monetary damages and equitable relief. 

In the event you fail to meet this demand, please be advised that XXXX XXXX has asked us to communicate to you that it will contemplate pursuing all available legal remedies, including seeking monetary damages, injunctive relief, and an order that you pay court costs and attorneys fees. Your liability and exposure under such legal action could be considerable. 

Before taking these steps, however, XXXX XXXX, sole proprietor of XXXX XXXX XXXX, wished to give you one opportunity to discontinue your illegal conduct by complying with this demand within ten ( 10 ) days. If you or your attorney have any questions, please contact me directly. 

Sincerely, XXXX XXXX, CEO cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I call Wells Fargo about something on my online account. After talking about it, I said I take care of it and would follow up tomorrow XX/XX/XXXX.
OnXX/XX/XXXX. I returned the call to Wells Fargo to let them know I did correct he problem. Well they said they had to ask me questions to verify and release the block on my account. So they asked me questions about myself and said it was not a match. So now they had to ask me more questions. I remembering this happening several times before. 
They have my money and are asking me questions about my life and determining ifs its a match or not. 
How dare they play these games with my money. They do n't know me. 
They claim there questions about me is based on public data. Public data. When I responded to there public data questions, they have the nerve to say no match. Are you kidding me What kind of game are they playing with my money. They can not have the right to withhold my money based on public data information. They at no time ask me whether the public data information they have on me is true and they use this information to determine if they are going to remove a block on my money. This has to be wrong and illegal. They at no time told me they have thoroughly researched this public data information, cross referenced checked it with me and others and know for a fact this public data info is true or false and then they ask me these questions and tie my access to my money based on these questions. That 's wrong and bad business
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made my payment on time, and the late payment reporting is incorrect. I have attached my bank statements and payment confirmation showing the payment was processed well before the due date. 
Clerical Error : There seems to be a data entry error. The amount listed does not match my payment history. The payment was processed but erroneously marked as late. This needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Violation under 15 u.s.c. 1681e ( b ) maximum possible accuracy of the information I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. BBY/CBNA Account Number : XXXX Under 15 US Code 1666 ( b ) of Fair Credit Billing Act states that the I should have received a periodic statement mailed to me no later than 21 days before the payment due date, and I did not receive anything in the mail. This lack of transparency violates 15 U.S. Code 1637 ( b ) ( 12 ) ( A ) of CONSUMER CREDIT PROTECTION as I was never informed about the Due Date. I demand that it is updated to paid as agreed. 
XXXX XXXX Account Number : XXXX Under 15 US Code 1666 ( b ) of Fair Credit Billing Act states that the I should have received a periodic statement mailed to me no later than 21 days before the payment due date, and I did not receive anything in the mail. This lack of transparency violates 15 U.S. Code 1637 ( b ) ( 12 ) ( A ) of CONSUMER CREDIT PROTECTION as I was never informed about the Due Date. I demand that it is updated to paid as agreed.

I demand that it is updated to paid as agreed.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

This in regards to a validation letter that I sent to you on XX/XX/2020. You have yet again failed to reply back as required by the FDCPA. You claim to have sent several replies to me. That is a lie, I know this due to the fact that you do NOT have my current address on file. This makes violation number 5, and you are liable for statutory penalties of {$1000.00} per violation. You also further violate the FCRA every time you verify the account as accurate to the 3 credit bureaus, as well as updating the DOLA on a monthly basis. Close this account and send it back to the OC. You have been in violation since the beginning of this, I never received you first dunning letter, the only way I knew you existed is you were reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I previously opened a case about Equifax not reporting the incorrect information on my equifax report I didnt follow up because I started Self reporting through Ecredable who reports directly to Equifax that fixed the issue I emailed Equifax to let them know when I search my Equifax report through XXXX I see two report coming up in my business name both have the exact business name and address the only difference was one report had a XXXX credit score reflecting 8 trade lines but had no business profile. The XXXX report had a business profile but only 3 trade lines reflecting on the report I emailed Equifax to keep the report with a XXXX score and update the profile info ( XXXX, XXXX codes, XXXX, Business type, owner, telephone #, liability type, business type, and established date ) and remove/delete teh report with a XXXX score to avoid any discrepancies when lenders search my business. 

Equifax deleted the report with the XXXX score ( Ecredable help with the self reporting ) and kept the XXXX report Ive been begging them for months to be updated with my trades. Its like im back to square 1 its very frustrating dealing with Equifax. when you email no response when you call you get someone who has no clue how to help and tell you to email the inbox. 

Equifax should not be in business with the level of incompetence and no type of concern for business owners
Product: Debt collection

I have a collections account from XXXX apartments that I have no knowledge of. I had a lease that was satisfied at the end as per the contract. A coupl months went by and then I received a notice I was in collections for XXXX. I have no idea what it 's for, never received an invoice phone call or any communication stating they felt I owed them anything. I spoke to them via texts which I still have, I spoke in person when I turned over the key, I had no knowledge or chance to pay the debt had I felt it a reasonable debt belonging to me. I have suffered financially due to higher interest rates and it being able to obtain credit for things I may have been able to because of the actions of the company. I think they are in violation of fdcpa section XXXX ( b ) failing to validate the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered multiple accounts on my credit report that did not belong to me. One of the account name is XXXX, this account was never mine, I do not know how, but the account were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, the results came that they removed all the accounts except XXXX since then I have been disputing the account, so on XX/XX/XXXX, I checked my updated credit report and I discovered that this account ( XXXX XXXX was removed, but a month later, the was re-inserted, so, when I pulled my updated credit report I found out that the account came back, on XX/XX/XXXX, I did a complaint on FTC Website about this account, but the account since then has not been remove, I recently update my credit report, and saw that the account still there, and I am now reaching out the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to XXXX informing them via written letter, that they were reporting me as an authorized user, a charge off account from Navy Federal Credit Union in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Inquiry on my trans union credit report from XXXX dated XX/XX/2019 that I do not recognized I called trans union asking to research the dispute and they refuse to looking into the dispute and told me to get a letter of deletion from the creditor.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Demand for Immediate Removal of Fraudulent Accounts Due to TransUnions Negligence To Whom It May Concern, I am demanding the immediate removal of fraudulent and inaccurate accounts on my TransUnion credit report. TransUnion has demonstrated gross negligence in handling consumer data, as evident in the CFPB lawsuit exposing deceptive and unlawful practices, and the massive data breach that compromised my personal informationboth of which have directly impacted me. 

Fraudulent/Inaccurate Accounts for Immediate Deletion : 1. The following account is not mine XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 2. The following account is not mine XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 3. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 4. The following account is not mine XXXX  XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 5. The following account is not mine XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 6. The following account is not mine XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 7. The following account is not mine XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 TransUnions Pattern of Negligence & Violations : CFPB Lawsuit : TransUnion has already been sued for failing to remove false information, deceiving consumers, and violating federal law. My case is yet another example of this reckless behavior. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) : You are legally required to block and delete fraudulent accounts within four ( 4 ) business days of receiving this dispute. 
Data Breach & Identity Theft : TransUnion failed to protect my sensitive data, which led to fraud in my name. Now, you are reporting this fraudulent information as if I am responsible for your failurethis is unacceptable and illegal. 
Demands for Immediate Action : Delete ALL fraudulent and inaccurate accounts NOW. Provide written confirmation of these deletions. 
Issue an updated copy of my corrected credit report. 
Failure to Comply Will Result in Legal Consequences : If you do not resolve this matter within the required timeframe, I will take the following actions : File formal complaints with the CFPB, FTC, and State Attorney General. 
Seek monetary damages for the harm caused by your reckless credit reporting. Pursue legal action against TransUnion for clear violations of the FCRA and failure to protect consumer data. 

I expect an immediate resolution. There is XXXX excuse for TransUnions continued failure to follow federal law and properly handle disputes. You have four ( 4 ) business days to comply and provide written confirmation of these removals.
Product: Debt collection

XXXX XXXX  gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from XXXX as well, the debt was from XXXX  if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..
Product: Credit reporting or other personal consumer reports

Equifax did not remove my adverse accounts. I want them to do an investigation to the inquiries and collections that not mine. I attached my Id theft affidavit and they send me a letter saying that it is frivolous. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I am writing to request assistance from the Consumer Financial Protection Bureau ( CFPB ) regarding my issue with the XXXX credit bureau. After conducting some research, I discovered that the CFPB is responsible for overseeing credit reporting agencies. I kindly request your consideration of this matter, as I urgently need to remove errors from my report due to medical reasons. 

I sent a letter on XX/XX/year>, citing errors and inaccuracies in my credit report. However, it has now been over 35 days and I have not received any response from them. I am providing the letters I sent out for you to review, as this will serve as my first step if I need to pursue this complaint further. Thank you.
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 NUMBER : 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 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 60 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 or other personal consumer reports

On XX/XX/2023, file a dispute with LexisNexis regarding a XXXX  XXXX bankruptcy that was sent to XXXX, XXXX and XXXX I was informed by LexisNexis that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records LexisNexis is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! LexisNexis is a corporation that does not follow the law. also, LexisNexis along with XXXX are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over XXXX disputes to LexisNexis and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX Lexis Nexis XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute several incorrect items with XXXX that they keep reporting to Experian incorrectly about inaccurate missed payments. Experian is not allowing me to dispute this claim as Ive disputed in the past as theyve incorrectly reported I missed payments both in XXXX of XXXX and the latest being in XXXX of XXXX. Collectively this has severely impacted my credit score and lowered it over XXXX points. XXXX is violating the FCRA rules by not reporting as required monthly correct payments but choosing to sporadically report incorrect payments which has had a negative adverse impact on my credit that will stay on my report for 7 years or more and Experian is equally as negligent as they are allowing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX a living breathing man looked at a copy of my consumer report on XX/XX/XXXX, and noticed an unauthorized account on my file. I sent out a notice to dispute letter on XX/XX/XXXX, and equifax received it XX/XX/XXXX, I then got generated response by equifax saying its verified with out any evidence on how they verifed the information or how it is accurate. This isnt fair to me the consumer on how they went about the investigation. I recently been getting denials and Its been causing me XXXX XXXX. furthermore its pure identity theft pursuant to 15 usc 1681b ( 2 ), I never gave Equifax any written consent to furnish ( XXXX XXXX, account number XXXX ) on my consumer report. Neither did i give XXXX XXXX written consent to report it. This makes me a victom of identity theft pursuant to 15 usc 1028a. Delete this account or your company is violating the FCRA block of information section 15 usc 1681c-2. I have specified my remedy in good faith. These companies have cause defamation to my character, I have not been able to get an Apartment, causing me to be homeless for months. This account is not related to any transaction by me the consumer.