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

Subject : Formal Dispute of Inaccurate Information Under FCRA 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear Consumer Financial Bureau, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within the required time frame. 
I recently reviewed my credit report and found the following inaccurate entries : 1. XXXX XXXX  o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report 2. XXXX XXXX  o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report XXXX. XXXX XXXX XXXX o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report Per the FCRA, I request that you conduct a proper investigation, correct these inaccuracies, and provide me with an updated report. If these items can not be verified, they must be promptly deleted as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to purchase a home. My name changed after my divorce and XXXX XXXX and XXXX  were able to release my report to my mortgage broker, but Equifax is refusing to release my report, even after multiple calls and attempted faxes, multiple emails and submission of five forms of identification to a customer service rep, including my birth cert, drivers license, social security card, divorce decree, and a bill coming to my current address in my current name. 
Two days ago, I got an email stating that my case was closed, but they are still refusing to update my information or release my information to my mortgage broker. I may lose the purchase of this house due to their refusal to acknowledge my identification.
Product: Debt collection

I am filing this complaint regarding an alleged debt from XXXX that is being reported on my credit report and pursued by a collection agency. Despite multiple attempts on my part to obtain proper validation of this debt, as required by federal law, the collection agency has failed to provide the necessary documentation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), consumers have the right to request validation of any alleged debt within 30 days of being contacted by a debt collector. Validation must include clear evidence that the debt is valid, including details about the original creditor, the amount owed, and documentation showing that the debt is connected to the consumer. To date, no proper validation has been provided for this alleged XXXX debt. 

Furthermore, the continued reporting of this unvalidated debt by the credit reporting agencies violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. Reporting an unvalidated debt constitutes inaccurate and unfair reporting, causing harm to my credit profile.

Requested Action : Immediate Investigation : I request that the CFPB investigate the collection agency and the creditor, XXXX, for their failure to validate the alleged debt. I also request that the CFPB ensure all collection activities cease until proper validation is provided. 

Removal of Debt from Credit Reports : I request the immediate removal of this unvalidated XXXX debt from my credit report across all three major credit bureaus ( XXXX, XXXX, and Equifax ) to prevent further damage to my creditworthiness. 

Compliance Assurance : I ask the CFPB to ensure that both XXXX and any collection agencies acting on its behalf adhere to the FDCPA and FCRA moving forward, providing proper validation before attempting to collect or report any debt. 

The failure to validate this debt violates federal consumer protection laws and has caused undue stress and harm to my financial standing. I request the CFPBs assistance in resolving this matter promptly and ensuring that my rights as a consumer are upheld. 

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

Data breach from Credit Card acc out. Wasn't notified and they claimed they sent email, no email existed from them.
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 USC 1681. 



EdFinancial Services ( Department of Education ) : # 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 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 or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

In early XX/XX/XXXX, someone compromised my debit card. Capital One immidately cancelled my card, and started the process to refund the fraudulent charges. 

It took two weeks before the card was listed as being made, which first happened on XX/XX/XXXX it was listed as arriving on the XXXX. On XX/XX/XXXX, the card was then listed as being made on XX/XX/XXXX, with an expected arrival on the XXXX. When we called them on the XXXX after seeing this update, staff said it had been mailed out on XX/XX/XXXX and " weren't sure why their system said it hadn't been printed yet '' At this point, Capital One informed me that the fraud claim had been messed up and entered twice. This would lead to an overdraft fee being placed onto my account. 

On the XXXX, still no card had arrived, despite Capital One 's insistance that it had been mailed. They offered to resend it priority ( for an additional fee ), or that I could just wait. I chose to switch banks. For the record, it is now XX/XX/XXXX, and the card never arrived, implying it was never made nor shipped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** _XXXX XXXX DELAWA Reported : XXXX. XXXX, XXXX How can there be XXXX  XXXX   monthly payment on a closed account. Delete immediately. 
_XXXX - CARD SERVICE Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX  - CARD SERVICE Reported : XXXX. XXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is currently reporting several accounts on my credit report that are closed and deleted .I have requested that they be removed months ago and they are still being reported.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a copy of the FTC Identity theft report, A notarized affidavit of the identity theft, copy of credit report highlighting fraudulent accounts, copies of the FCRA 605 b laws, Personal letter, application for a fraud alert and all the required identification requested from the CRA. Packaged everything up and sent it Certified mail with signature and return receipt. I will upload all documents sent. The documents describe accounts and amounts with dates etc. The fraudulent accounts were never blocked as per law states and the CRA never replied to me on the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my accounts right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

Today on XX/XX/XXXX I had tried to log onto my chase account and I could n't. I called chase to see why my acsess had been restricted and I ca n't get one piece of information about my own account. Nobody will help me to find the reason why I do n't gave an account anymore. They wo n't let me get my money out so I can close the account. Nobody contacted me about the fraud or the account closing
Product: Credit reporting or other personal consumer reports

Someone has stolen my identity. I have never done business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one has provided me validation of these accounts. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately.

ACCOUNT ACCOUNT # ___________________ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I have had negative items being reported onto my credit report, a total of XXXX items. I have requested for those items to be deleted off of my report, on XXXX XXXX. I felt as though the investigation was not done properly and it should be removed. Not only is it a violation to my rights, the information that is on my report is inaccurate. I am asking that these items are removed from report immediately. The information is inaccurate, and also goes against my constitutional rights. Reporting negatively onto my credit report without my consent is illegal according to FCRA Section 605B.
Product: Student loan

I and the XXXX  XXXX XXXX have provided evidence to XXXX XXXX that I am still actively enrolled in school and have completed the formal documentation from the university for deferment while in school. However, this agency, XXXX XXXX, is unresponsive in multiple ways. They do not answer phone calls, their chat service does not respond to inquiries, and they fail to respond to emails. Furthermore, even though they initially accept the documents when they are submitted and state to wait for a response within 10 days, they subsequently delete the content of the email, and there is no record of the uploaded documentation in their system. I have photographic and video evidence showing the submission of the documents. XXXX XXXX  XXXX XXXX also recommended that I file a report with them because they have experienced the same lack of response from XXXX XXXX. 
This refined timeline underscores the repeated efforts to communicate with XXXX XXXX, document submissions, and the persistent issue of receiving payment notices. It clearly demonstrates the challenges faced by both XXXX XXXX and XXXX XXXX in resolving the matter with XXXX XXXX. 
Saturday, XX/XX/2023 - XXXX XXXX  XXXX XXXX emails XXXX XXXX, confirming the successful submission of the document to XXXX XXXX after multiple attempts. 
Tuesday, XX/XX/2023 - XXXX XXXX  XXXX XXXX sends another email to XXXX XXXX, expressing concern about receiving billing notifications despite submitting the required document. XXXX details the difficulties in reaching XXXX XXXX  through various means and seeks recommendations from XXXX. 
Friday, XX/XX/2023 - XXXX XXXX  XXXX XXXX emails XXXX XXXX, informing XXXX that she has faxed the document to XXXX XXXX, emphasizing its urgency. 
Wednesday, XX/XX/2023 - XXXX XXXX  XXXX XXXX sends an urgent email to XXXX XXXX, highlighting the ongoing issue with XXXX XXXX. XXXX expresses frustration and concern about the continuous receipt of payment notices despite submitting the required documents. XXXX outlines their unsuccessful attempts to contact XXXX XXXX through phone, email, and chat and requests assistance from XXXX. 
XX/XX/2023 XXXX XXXX sends an email to XXXX, notifying XXXX that she has faxed the deferment request to XXXX XXXXs once again. XXXX specifies that she included the original submission date, the fact that XXXX uploaded the form to their website, and the lack of updates or communication from XXXX XXXX. XXXX suggests considering filing a complaint with the Consumer Financial Protection Bureau if there is no response or account update. She recommends including screenshots from the XXXX XXXX and any records of communication attempts. XXXX expresses her willingness to assist further and acknowledges the challenges in directly contacting loan servicers.
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XX/XX/year> 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 one 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 EQUIFAX 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, THANKS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Experian XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my 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 remove itens immediate take off 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 from my credit file.

This not a regular dispute I have filed a complaint with federal trade commission to document being a victim of identity theft.

Please remove 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 from my credit file : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injuries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage , Inc. was negligent with regard to the processing of my loan papers for a re-fi of the mortgage on my condominium. They dragged their feet for approximately 2 months with regard to processing the required paperwork and requesting the information needed to underwrite the loan. My loan officer never advised me there was a limitation on the days the agreed upon loan rate was locked in while Wells Fargo processed the loan. Late in the day on XXXX/XXXX/24, the day before the beginning of the long XXXX holiday weekend, for the XXXX time, my loan officer, called and advised that if I did not immediately agree pay approximately {$250.00}, I would have to start the agonizing paperwork submissions from the beginning and loose my locked loan rate. I had no choice but to pay the money. I am seeking recovery of the {$240.00} that I incurred as a result of Wells Fargo 's failure to process my loan papers in a reasonable manner as well as Wells Fargo 's failure to give me adequate notice that I was going to loose my loan lock rate as a result of that failure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, AZ, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.