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

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT NUMBER XXXX, ACCOUNT NAME : XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESN'T HAVE EXACT INFORMATION AND STILL APPEARS IN 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX AUXXXX XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes with all invalid information on my credit report with experian. please review all information listed to correct my credit report 100 %. review an remove all listed information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}.

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX  states in their letter they have nothing to do with FICO, their actions do!

In our attempt to pay down our balances, we moved ours to XXXX  because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX  children.

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX  on the enclosed docs. I have personally been the caregiver to my mom with XXXX  for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was admitted to the hospital back in XXXX XXXX of 2019. Many test had been ran they could not figure out what was going on with my body. After a lot of back & forth it was finally determined that I had XXXX. This was in the beginning stages so less information was known then versus now. I was in the hospital for about 3 months. I am lucky to have made it out alive. So when I did finally get released and was a able to get some energy I began to contact my creditors as I was not able to do from the hospital bed. I contacted Acima and explained the situation. They agreed to put me on a catch up plan and the rep stated all negative reporting would be removed. I have since went back & forth with Acima about this plan that I was not told I had to call back in to continue a plan and they are continuing to report late payments on my credit that has taken my score down over XXXX points. I went into an agreement thinking everything was solid. I have called and spoke with Supervisors whom all they do is apologize for the misinformation but claim it's nothing they can do. This is totally unacceptable and Acima needs to uphold their end of the bargain. No one asked for XXXX and what it has done to the country so to be taken advantage of my Acima is just flat out not right. I wasn't able to take advantage of the early buyout due to my illness now i'm almost paying 3 times the amount I would have been paying and they are adversely affecting my credit. This needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would be gIad if you put attention regarding to my complaint its because I found out there are some inaccurate informations that are UNKNOWN to me. You are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following inaccurate items are needs to remove : XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and 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
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to XXXX to have the items fixed on XX/XX/year> and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 
The information about my name is not reported accurately. 
My current address is not listed accurately.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE THESE FRAUDULENT HARD INQURIES FROM MY CREDIT REPORT
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 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting documents stating that the accounts are inaccurate and don't belong to me. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX   - XXXX
Product: Debt collection

We have a {$6700.00} collection from XXXX XXXX XXXX ) XXXX that is not my debt. I have only lived at XXXX XXXX XXXX and have lived there until XX/XX/2023. My entire family encountered identity theft and this is not our debt. We have filed a complaint with the Credit Bureaus, Social Security Administration and the local police station. Please remove or provide us correspondence. 

Also, I noticed from the notices and collection notices that the name listed is : XXXX XXXX XXXX, that is not my name, my name is XXXX XXXX XXXX. This is not me.
Product: Payday loan, title loan, or personal loan

I requested a loan for {$15000.00}. I was charged fees to obtain the loan which changed the principal amount to {$18000.00}. The loan terms are from the website login as of today XX/XX/XXXX : Loan Amount {$18000.00} Outstanding Principal {$16000.00} Unpaid Accrued Interest {$260.00} Loan XXXX Interest Rate25.58 % Origination DateXXXX XXXX, XXXX Repayment Summary On XXXX XXXX, XXXX, you got a {$18000.00} loan, see how far you've come! 
{$1600.00} paid toward principal Loading $ XXXXinfo As of today, on your Upstart loan you owe $ XXXXinfo I have made XXXX payments of {$540.00} but only {$1600.00} has been applied to the principal. It is illegal to charge origination fees etc and disguise it as principal amount when my bank was only credited with {$16000.00}. The loan terms are predatory and they refused a refinance of the loan. I am even paying interest on their fees for a 60 month term. 

Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  sent me a letter dated XX/XX/2021 indicating they sold an alleged debt to Portfolio Recovery Associates, LLC. I did not give XXXX XXXX  permission to sell my personal information to any natural person, individual or corporation. XXXX XXXX  is committing identity theft by selling my personal information without my consent. The alleged debt is disputed. I do not have a relationship or contract with Portfolio Recovery Associates, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that the following Consumer Reporting Agencies have willfully and knowingly broke Federal Law, Experian Information Solutions, XXXX XXXX XXXX, XXXX XXXX, I am aware that XXXX XXXX XXXX Experian CFO, XXXX XXXX XXXX XXXX CFO XXXX XXXX XXXXXXXX XXXX XXXXXXXX CFO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CEO, all party ( s ) mentioned are committing FRAUD. This is a racketeering Act, these companies get paid to furnish Consumers information and trade on our name. 
All party ( s ) mentioned shall be fined and imprisoned because Ive submitted an FTC Identity Theft Report and made it very CLEAR that XXXX XXXX XXXX is committing FRAUD and yet all 3 Consumer Reporting Agencys willfully and knowingly violating the law and failed to DELETE such FRAUD account from my Consumer Report. 

All party ( s ) mentioned shall be fined for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft -and imprisoned for 5 years. 

Ive even have proof that the Consumer Reporting Agencys willfully and knowingly broke the because I sent my hand written instructions pursuant 15USC 1681b ( a ) ( 2 ) dated on XX/XX/2022, and ALL 3 Consumer Reporting Agencys did not comply with an Consumer written instructions according to the Fair Credit Reporting Act law. 

All party ( s ) mentioned shall be fined under XXXX XXXX for {$100000.00} ( Per Violation ).
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX 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

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Student loan

I started in XX/XX/year> with my SAVE plan request. Every 3 to 4 months I got an email that my request was missing information. I called and asked what was missing each time. I suspected it was because by the time my documents were reviewed the items were more than 90 days old. I was always told that was not the issue. 

Once I was told they didn't receive all of the documents even though I saw them in my account online where I had submitted them. After that I was told several different reasons my self certification letter of unemployment had too much information or too little information, however it aways had the information required per the instructions. Also, they had my layoff notice from the beginning. 

I get letters stating documents are missing but customer service can fins them. I have been told differing payment amounts, different plans I am enrolled in, and different instructions every time I call. There is no consistent answer. No one follows up and I start all over after every resubmission. 

After the last submission, I received a notice that my case was aged out and they closed it and my payments were restarting. It has been 3 or 4 months and I have XXXX idea how to resolve this. I also have to recertify in a few months and can only XXXXmagine how that will go.