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

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint against credit collection services account number XXXX for multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The collection agency has failed to comply with federal regulations, specifically : 1.Failure to Provide Debt Validation ( 12 CFR 1006.34 ( b ) ( 5 ) ) The collection agency placed an account on my consumer credit report without providing the legally required validation information.

I have not received any documentation verifying the alleged debt, yet the account continues to negatively impact my credit.

2.Denial of My Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) I was not given a meaningful opportunity to dispute the debt before it was reported to consumer reporting agencies.

The collection agency has violated my right to dispute the validity of the alleged debt before taking adverse credit actions.

3.False, Misleading, and Deceptive Practices The collection agency has engaged in deceptive and misleading practices in violation of my consumer rights.

They are furnishing information to credit bureaus without proper legal authority and without first complying with required disclosures.

4.Unlawful Credit Reporting Practices ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) ) The collection agency has no legal authority to furnish negative information to consumer reporting agencies without adhering to mandatory disclosure requirements.

Their actions constitute a clear violation of federal law, as they have failed to comply with disclosure and validation requirements before reporting the alleged debt.

Relief Requested I request that the CFPB take immediate action against credit collection service for these violations. Specifically, I ask that : The collection agency be required to remove the unverified account from my credit report.

The CFPB impose any applicable penalties for their noncompliance.

The collection agency provide all legally required disclosures and validation before furnishing any future credit reporting data.

This collection agencys actions have caused undue harm to my financial well-being, and I urge the CFPB to investigate and enforce compliance with federal consumer protection laws. Please keep me informed of any actions taken in response to this complaint. 

Thank you for your time and assistance in this matter. 

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

On XXXX, CB INDIGO made fraudulent inquiry on my credit report using my name, but they used a fraudulent address and phone number. I did not apply for credit or a credit card with CB INDIGO!! 
I was alerted to this inquiry and immediately contacted XXXX to report it was fraudulent. XXXX helped me by freezing my report and placing a fraud alert. 
I have requested this fraudulent inquiry be removed from my credit report but must first provide XXXX with information/letter that I have filed a report to the FTC in order to have it removed. 
I tried unsuccessfully to reach the fraud department or anyone that would help at CB INDIGO. I have made numerous calls trying to report this and they refuse to transfer me to the fraud department or any department that can help.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I provided Equifax with a significant volume of evidence exposing the fraudulent and unauthorized nature of the accounts tarnishing my credit file. This comprehensive submission, including a legitimate report from the Federal Trade Commission with a NOTARIZED ( FTC ), and indisputable proof of identification, should have merited the immediate removal of the nefarious account. Despite my ongoing submission of extensive documentation outlining the inaccuracies of these accounts and the impropriety of its reinstatement, the lack of reinvestigation is deeply troubling because all items are supposed to be investigated before they are added to credit report. In adherence to the Fair Credit Reporting Act, the failure to verify the debt within 30 days mandates its immediate removal. Your correspondence asserting debt " verification '' is blatantly false under the law. It is obvious that unauthorized individuals have exploited my information, and merely confirming matching data does not constitute a valid verification process. ACCOUNTS IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide evidence they are mine, or delete them. These Accounts are Not Identifiable, and unlawfully reporting on my credit report. Equifax is unable to verify the accuracy and proof of ownership for these accounts, which constitutes a direct violation of the FCRA. Equifax 's conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Equifax take immediate corrective action to rectify the inaccuracies in my credit report or I will pursue legal actions to recoup compensation for the damages I have suffered as a result of their actions. Attached is a certified UCC 11 information request form showing no liens or debt obligations in my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information contained in my credit report. Pursuant to 18 U.S.C. 8, I owe no debt. The reporting of the following items is therefore incorrect and must be removed immediately to ensure compliance with federal law : 1. All accounts including but not limited to those with late payments.

2. All charge-offs.

3. Any and all inquiries.

Furthermore, this company is violating my consumer right to privacy pursuant to 15 U.S.C. 1681b ( 2 ). This company has NO permission to report ANYTHING using my information pursuant to 15 U.S.C. 1681 ( 4 ). As such, all information pertaining to my accounts should be removed from my credit report immediately. 

Additionally, I request the removal of all medical accounts listed in my report as they violate The Health Insurance Portability and Accountability Act ( HIPAA ) of 1996. These accounts are being reported without my consent and in violation of my privacy rights.

Please provide written confirmation that these items have been removed. If you require any additional information, please contact me at the above address. 

I trust that you will comply with federal law and correct these inaccuracies promptly. Failure to do so may result in further legal action to protect my rights. 

Thank you for your immediate attention to this matter.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX 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 Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year>. 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: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion regarding the following accounts numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dates of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax in regards to inquires on my report that I did not authorized. When I disputed the inquires they stated that it was factual information and can not be disputed. I contact Equifax and advised them that the inquires that I disputed was not authorized by me and I needed them removed. They advised that I can not dispute inquires from my credit report. According to the FCRA anything that is inaccurate or fraudulent can be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my personal credit report, and I noticed that I have been a victim of inquiry issue for TransUnion. 

TransUnion credit report shows that there has been a hard inquiry done on my credit report on XX/XX/2018 by XXXXXXXX XXXX, XXXX, DE XXXX. I do not recognize this. 

I contacted XXXX, and called TransUnion ( and submitted an online dispute at their website ) to remove this credit inquiry from my credit profile. Unfortunately, they were not cooperative at all. I tried convincing them but I got absolutely no help from XXXX. TransUnion was not of any help either as they simply referred me to XXXX and denied any other help. 

I request that you initiate an investigation into this inquiry on my credit report. I would like TransUnion to remove this inquiry from my credit report as I do not think it is correct. 

Thank you for your assistance in this matter.
Product: Credit card

My phone was hacked along with my personal checking account. When I went to the bank to open a new account, they advised me that doing a credit report would be a wise decision. Upon doing that, I found out that four accounts ( credit cards ) were in my name that I never knew anything about. There is one that is refusing to accept fraud, it is Aspire. This is the only one, so far, that I have heard from that still says that I am responsible for the account. 
I disputed the account with the credit report ( XXXX ) on XX/XX/year>. 
On XX/XX/year>, I rec 'd a letter stating that XXXX refused to accept that the account was fraud. On XX/XX/year>, I sent a letter to Apsire that identifytheft.gov provided me. It stated to close the unauthorized account, remove any charges and take step to remove the information from my credit file. 
On XX/XX/year>, I rec 'd a letter from Aspire telling me that the credit card was accepte4d via Internet and that I would be responsible for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to XXXX and Experian informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, both on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. Both bureaus refused to adhere to the law and refused to o all that they could in that moment, to protect me, the consumers rights and privacy.
Product: Debt collection

frequent robo calls. they say to contact Radius Global Solutions at XXXX. 
I have no debt nor have I ever used or had contact with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 XXXX XXXX, Account XXXX XXXX, was reported for the second time as incorrect. Experian has failed to show actual proof of this account to me. They say 'Verified, '' as I am requesting proof. 

They also added the item on my credit report twice now XXXX  account number XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

My problems began with Citi Bank and their payment option with their mobile app thru XXXX. For years, the app worked fine to make payments until XXXX when I took out a personal loan with CitiBank. XXXX  at that time, so they could get automatic payments, scrambled my checking account number so I could not verify if it was correct. There was also another account unknown to me that I could not remove from their app or even add anything. Consequently, my bank showed me I made intended payments to Citi thru their app XXXX but XXXX never paid CITI and Citi claimed my bank refused to pay. My bank denies all of their accusations. So, when I got notice from Citi the following day or XXXX that my payments did not go thru, I would have to call and complain and pay over the phone. Countless phone calls with CITI apologizing, claiming I am and exceptional customer, never late and that they would guarantee my proper banking information would be corrected. It never was and still is incorrect. My XXXX card where I buy all my food, gas, meds, sundries, etc was suddenly cancelled on XX/XX/XXXX when I was at the store and the card was DECLINED with available credit somewhere near $ XXXX plus. When I called, I was told CITI declined me and a letter was sent. To date, no letter, no explaination. Up and until XX/XX/XXXX, CITI still had my bank account scrambled. XXXX XXXX # XXXX admitted XXXX was a problem. The next day, XXXX took a payment for my personal loan over the phone because again, XXXX XXXX up my on time payment. I was told no late fee. I have written Citi to their legal department, and their credit card department, no one has responded. I have contacted my attorney who wants to see the decline letters that have not arrived. In the meantime my score was XXXX on XX/XX/XXXX. XX/XX/XXXX when they closed my other card it went down to XXXX and today I imagine it is much lower but Citi no longer offers that to me because I don't have a credit card. My payment history on all credit is golden. Citi Bank has major internal problems that have very much hurt me financially, credit wise and has ruined my good name. It is very hard to reach anyone with authority on the phone but collections is always available. I have documented Citi as well. No response. I am planning to purchase a home in XXXX months. This has literally KILLLED my homeownership prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting

BY the way, the CFPB 's dispute site is not very user friendly. The options are limited for the complaints. I want to submit that all XXXX major credit reporting agencies dispute process on-line is not easy. These should be consistent and not require so many hoops to jump through. It should pull up your report and allow you to dispute each item and upload any additional documentation for your dispute. While some may offer these options, Experian is almost impossible to submit a claim as it kicks you out of your session then tells you you have to mail in your dispute? How inconvenient is that?
Product: Credit card

Let me start by stating my wife and I have been exceptional Wells Fargo customers for XXXX years and have had this credit card right at XXXX years. Following my recent complaint I filed on XX/XX/2017 case number XXXX, which a response is now several days past due, I chose not to close this account due to the negative impact it could have on my credit score. In the past 30 days, I have paid {$10000.00} to Wells Fargo to pay the previous balance in-full. Today, my wife called Wells Fargo to pay the current balance in-full and was told by a representative that there are notes on our account that I gave the representative on XX/XX/2017 the wrong account number and that is was my fault. She was then advised that our account was flagged that they could not accept payments by phone from us any longer. She demanded to speak with a manager, because of how ludicrous this seemed and was told the same thing. The manager told my wife that they have notes that prove I left off a number when paying by phone on XX/XX/2017 and that we would have to mail our payment to them. My wife expressed her absolute dissatisfaction and displeasure with this obvious discrimination towards us. She said she does not have time to mail the payment and if they looked at our history, we have never mailed in a payment and have always either paid by phone or online. My wife told the manager that we might just payoff the balance and close the account, based on the terrible experience we have had lately with Wells Fargo. My wife told the manager she was speaking with that we have a linked account on file we use for payments and advised it was an error on Wells Fargo, which caused the payment to return due to no account found, not NSF. She could never get a legitimate or justified reason we were no longer allowed to pay by phone. This is complete discrimination and retaliatory, because of the first CFPB complaint filed. This is also considered a fair banking violation, because we are being treated differently than other customers. Is it a normal practice to not allow customers the option to pay by phone if a previous payment returned " no account found? '' Is it a normal practice to not allow a customer to pay by phone, following a CFPB complaint being filed about the lack of service received and a UDAAP violation? Wells Fargo is really doing a great job of ensuring we will never be customers again. It 's sad that even with the recent bad publicity Wells Fargo has received, that they are still lacking at providing excellent customer service, especially to long-standing customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/year>