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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " SYNCB/PPC '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Closed Account Due to Inactivity Still Impacting Credit Score The account is marked as " Closed due to inactivity. '' This closure reason should not negatively impact my credit score. Reporting it in a way that affects my creditworthiness violates XXXX XXXX. XXXX ( b ), which mandates accurate reporting.

Unverified Account Closure Reason There is no documented proof that the account was closed due to inactivity rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within XXXX days of the consumer 's request.

It has been well over XXXX  days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within XXXX XXXX days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr continually reports and has reported outdated information that is more than XXXX years old. In this instance, checkr has reported negative information to an employer from 2004.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than a year I have been administratively demanding EXPERIAN remove all XXXX XXXX XXXX CREDIT CARDS and XXXX XXXX CREDIT CARD XXXX from the consumer file. All of these alleged accounts are a result of identity theft and EXPERIAN is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting and refusing to update my report to a positive status. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. If I call in they only allow me to speak with virtual assistants from other countries or a computer. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. 
I give EXPERIAN XXXX BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is XXXX of numerous complaints I have filed with the CFPB without any fair or equitable resolution. I sent a letter to Experian via certified mail return receipt with no response since XX/XX/2023. Certified mail # XXXX. Instead of correcting the error the blocked my credit file from my view and the mortgage company only showing online the XXXX credit report for my view which I had to pay and become a member to view. These companies are out of control and ruining consumers lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX  XXXX XXXX I applied a credit card with XXXX  XXXX XXXX, received card within 2 weeks, Once I received my card at my XXXX XXXX XXXX, I was able to activate card but XXXX  XXXX XXXX placed a fraudulent alert on my card and blocked any usage. I called XXXX XXXX  XXXX, but due to me not having a US number, they kept stating that they weren't able to authenticate me because they couldn't send me a text message, even tough I was receiving emails and push notifications on mobile APP. XXXX  XXXX XXXX opened an account but then they couldn't authenticate me, what a joke.. Great service to members of XXXX XXXX?? Now my credit will show opening and closing of an account on my behalf and possibly have taken a hit on my credit report and not to mention I spending over 4 hours playing phone tag, bein Authenticated back and fourth .... 

Never again I will open any account with XXXX  XXXX XXXX as they have fooled me in opening a credit card account but then locking me out of using it.. This has to be clearly against the law, obviously they knew I was XXXX, when my address was clearly an XXXX XXXX to state they can't authenticate me because I'm overseas is bogus.. 

Attached is email received from XXXX  XXXX XXXX, sending code to register my account with mobile banking ( in which I was able to Register )
Product: Credit reporting or other personal consumer reports

Ive disputed & challenged the validation of this debt twice asking for hand written consent with Original contract and my wet signature. 
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has deleted this account. Rest of the bureaus must follow suit. 

Hard Inquiry : 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. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
Follow me to learn how to
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681.

Here are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 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 make 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX 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: Debt collection

So this debt collector put a {$270.00} debt on my credit report. I have disputed it several times, they say the debt is valid to the credit agencies, but even after asking for written proof of the debt, or disputing it several times, they have not sent me ANY communication, any letters, and have NEVER contacted me once about this alleged debt. I do not know who they are, who the company they represent is, what the debt is for, nor have I ever heard of the original company. I do not know who the original company is after looking them up. It seems to be a medical company from XXXX or XXXX XXXX Florida. I have never heard of the provider or any of the doctors listed on the XXXX XXXX OF FL website that I attempted to contact. I have never been to a doctor in XXXX or XXXX XXXX, FL ( closest to me ) or the other 14 cities far from me, where the doctors are listed from in FL. They refuse to send me any communications or proof of debt for well over 2 years that I've been disputing this debt, and I want the item removed from all credit reports.
Product: Money transfer, virtual currency, or money service

I am Writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/22, I purchased ( 2 ) {$100.00} Visa Gift Cards from XXXX. On XX/XX/22 I placed the cards in a U.S. Postal Service mailer, sealed the envelope, and handed it to the postal clerk. The mail never was received. I contacted VISA from a number provided by XXXX at XXXX and reported the cards lost or stolen on XX/XX/22. VISA or at least the person who said they were VISA open a case # XXXX and had me upload a copy of my purchase receipt along with a copy of the front and back of my drivers license to XXXX and told me that it would take ( 10 ) business days before I would receive a response. I have gotten no response and when I call the number, I have been placed on hold for up to 1 hour each time and when I did speak to someone, they told me that they had not received my documents i.e. my receipt and driver 's license, only to speak to a supervisor who told me that the ( 10 ) days had yet to elapse. I call them again today XX/XX/22 only to be told that they had not received my documents and was then hung up on with no answer or explanation about whether the cards were cancelled or if replacements will be issued. They just simply hung up. Also, there has been no response from the email account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX Experian XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.
Product: Mortgage

On XX/XX/XXXX  request was sent for a payoff of loan. On the payoff it showed the payoff of {$140000.00} with additional payment of {$530.00} for interest for XXXX. I tried to get Mr. Cooper to explain how the interest was calculated. I was told that I am being charged for the entire month of XXXX then the additional 15 days. so {$350.00} for 30 days and {$170.00} for 15 days this loan is at 3 % interest. I am wanting to know how can I be charged for something that they no longer have if the principal balance is paid how can they charge interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : XXXX, XXXX, and XXXX  who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

Capital one is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.
Product: Debt collection

To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert that a new employer has been added to my credit report, XXXX, Tesla. I have never worked for this company and I am not sure how the employer got updated to this company without any notice or verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX  XXXX/XXXX XXXX dated XX/XX/2017, XXXX XXXX/ZALES X/XX/2017 and XXXX XXXX dated XX/XX/2017, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am writing to you because I recently experienced digital fraud via a Zelle money transfer for the amount of {$3500.00}. I did not authorize this transaction and have contacted my bank in order to dispute it. Unfortunately, the bank denied my dispute and is holding me responsible for it. the money transferred from my account on XX/XX/2023 i found out the following day and report it to the bank on XX/XX/2023 claim number XXXX  XXXX XXXX XXXX XXXX the money transferred to this person XXXX I am hoping that you can help me resolve this issue as soon as possible. I understand that this was an unauthorized transaction and should not be held liable for any damages incurred by it. Please let me know if there is any way that you can help me in this situation. I would greatly appreciate your assistance in this matter. Thank you for your time and consideration,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the account be removed or updated with closed numerous times by mail and phone. The creditor bureau replies by sending a form letter stating the account has been verified which I know not to be true. I have asked for proof of verification and I do not receive any. The account is a CLOSED account reporting as OPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written over XXXX letters to Experian and called about addresses that are incorrect and accounts that were either fraudulently opened or accounts settled that they refuse to remove. 

I recently disputed through the XXXX XXXX XXXX an account with XXXX XXXX  that was not mine and gave the police report to prove it did not belong to me. Experian still has the account on my credit report claiming the company confirmed the information was accurate. 

I feel they are blatantly ignoring my complaints and refuse to remove inaccuracies or fraudulent information.
Product: Credit reporting or other personal consumer reports

I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after XXXX and I could not pay on the debt. 
I have not received a XXXX as of XX/XX/XXXX. I need the form XXXX immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX