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

Date : XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint regarding inaccuracies in my credit report as provided by XXXX, XXXX, and Equifax. The discrepancies I have identified are outlined below, along with the applicable violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

Identified Inaccuracies : XXXX. Account # : XXXX ( Revolving Account ) Inconsistency in Credit Limit : XXXX and XXXX report a credit limit of {$2000.00}, while Equifax reports {$0.00}. 
Account Status : XXXX states the account is " Closed, '' whereas XXXX and Equifax indicate " Paid. '' o Comments : Each bureau lists conflicting reasons for account closure. 
XXXX. Account # : XXXX Account Status : Both XXXX and XXXX list this account as " Derogatory, '' but details differ regarding payment history and last reported dates. 
Past Due Amount : This amount is reported consistently, but its legitimacy is in dispute. 
Monthly Payment of {$84.00} : XXXX lists an active monthly payment of {$84.00} despite the account being marked as " Derogatory '' and in collections, which suggests an inaccuracy. 

Legal Violations : Under the FCRA : XXXX. Section 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy. The discrepancies in account statuses, limits, and payment terms demonstrate a failure to comply. 
XXXX. Section 1681i : Upon dispute, credit reporting agencies are required to conduct a reasonable investigation. The ongoing inaccuracies indicate either a lack of investigation or a flawed process. 
XXXX. Section 1681c : Outdated or incorrect negative information, such as " Derogatory '' account statuses and conflicting payment information, should not appear if inaccurate. 

Under the UCC : 1. UCC 9-210 : Debtors have the right to an accurate statement of account. The conflicting details between agencies violate this principle. 
XXXX. UCC 1-304 : This section requires parties to act in good faith. The lack of clarity and conflicting information regarding the {$84.00} payment calls into question the reporting agencies ' good faith efforts to provide accurate data.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate late payments and fraudulent inquiries on my credit report, as they are negatively impacting my financial standing. Upon reviewing my file, I found discrepancies that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, unverifiable, or outdated. 
All reported data must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The late payments and unauthorized inquiries on my report do not meet legal reporting standards and must be validated with proper evidence.
Product: Credit reporting or other personal consumer reports

According to section 602 ( a ) of the Fair Credit Reporting Act 15 USC 1681, it is essential that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian, being consumer reporting agencies, are bound by this, and as a consumer, I have the right to ensure my private information remains confidential.

This is supported by 15 USC 6801, which asserts that Congress mandates each financial institution to continually respect customer privacy and protect the security and confidentiality of nonpublic personal information. As defined under this title, a furnisher of information to credit agencies is a financial institution.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency can furnish a consumer report only under specified circumstances, primarily with the consumer 's written consent. However, neither the financial institution nor the consumer reporting agencies XXXX and Experian have obtained my consent to share this information. Therefore, any prior consent given to XXXX, Experian, or any furnisher of information is revoked, whether it was verbal, non-verbal, written, implied, or otherwise.

Further, 15 USC 6802 ( b ) ( c ) outlines that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation on how to exercise the nondisclosure option. No such explanation was provided to me by the furnisher of information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that, except as allowed under subsection ( b ), no consumer reporting agency may include adverse information older than seven years, barring records of crime convictions. This adverse account is being reported again without my permission, which is unlawful.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits anyone from furnishing consumer information to a reporting agency if they know or reasonably believe the information to be inaccurate. Meanwhile, 15 U.S. Code 1681e requires all consumer reporting agencies to establish reasonable procedures to prevent violations of section 1681c and restrict consumer report furnishing to the purposes listed under section 1681b. XXXX and Experian are failing to maintain such procedures. 

Furthermore, 12 CFR 1016.7 grants a consumer the right to opt out at any time, and I am exercising this right to opt out of your reporting services
Product: Credit reporting or other personal consumer reports

My wallet was lost and it contained enough credentials ( I'm assuming ) for someone to initiate a credit application in my name. 

I'm seeing several hard pulls from varying sources. 

" Between XX/XX/year> and XX/XX/year>, an inquiry made by XXXXXXXX XXXX was added to your credit report. '' " CCF INTERMEDIATE HOL XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I applied for and was declined by XXXX XXXX XXXX to refinance my vehicle on or about XX/XX/2020and I received legal notice in the mail I was declined. 
Then I received a call from a XXXX at Auto Pay LLC on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-XXXX XXXX did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX  that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX  Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called Auto Pay LLC on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like Auto Pay would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with XXXX XXXX XXXX selling my sensitive information after declining me as this could lead to fraud. I read the XXXX XXXX disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER XXXX XXXX XXXX declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from XXXX XXXX and ALL of their affiliates files.
Product: Debt or credit management

The company promised to help remove debt. They continued to charge me for services that werent rendered
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I dispute a car loan with credit acceptance corp. In the amount of XXXX, which is not the first time I have dispute this account. I settled this out back in XXXX and was told by company the account will be closed as settlement. Since I have disputed this back in XXXX of XXXX the company has filed to respond and it has now been 38 days and counting. Under FDCPA your company have violated my right due to failure to respond. You failed to provide contract and payment history. I want this account removed from my credit report or I will file a complaint with the general attorney office and hire an attorney and sue for damages you are causing. 

XXXX XXXX XXXX in the amount of XXXX. This is now the second complaint I had to file, This account is fraudulent and your company stated this account would be removed. Your company also failed to provide wet printed signature contract, the chain of title of this debt, and your company license to collect in New York under FDCPA you are violating my rights.
Product: Credit card

I applied for a line of my credit with BILL.com LLC and was denied. I offered my social security number, my signature and other forms of financial instruments per BILL.com LLC request. As Regualtion B and many other USC, UCC, codes, House Joint Resolution 192 and Public Law 73-10. Among those, the financial instruments I provided make it possible for the financial institution to be accepted by the XXXX  XXXX XXXX which in turn issues the credit digitally. There is no Lawful Money in circulation publicly only credits accessed through a consumers signature and social security number. Regulation B regulates what credit companies are able to use and not use " granting '' credit or " extending '' credit. Credit companies are allowed to view a consumers credit report but not use any of the information against the consumer. This action is both illegal and unlawful on the grounds that I have applied within my rights and in Good Faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX and hoping that this : XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX will be corrected.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Elan Financial Services for their failure to address inaccuracies in my credit report properly and for their non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they violated several provisions, including 15 U.S. Code 1666B regarding the timing of payments, 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ( i ) concerning the reinvestigation of disputed information, and 15 U.S. Code 1681b related to the permissible purposes of consumer reports. 



On XX/XX/year>, I contacted Elan Financial Services to dispute an inaccuracy on my credit report. On XX/XX/year>, I received a letter from the company stating that they had conducted an investigation. However, they failed to provide the required documentation or a description of their investigative procedures as mandated by law. This lack of transparency and non-compliance has negatively affected me in multiple ways. Financially, it has hindered my ability to secure a mortgage and purchase a home. Emotionally, the unresolved nature of this issue has caused significant stress and XXXX. 



I have made efforts to resolve this matter by contacting Elan Financial Services directly, but they have not fulfilled their legal obligations to provide the necessary documentation. As a result, I am requesting immediate action to address this issue. Specifically, I ask that the inaccurate item be deleted from my credit report, that Elan Financial Services comply with the FCRA by providing a full description of their investigation procedures, and that an investigation be conducted into their practices to ensure accountability and prevent future violations.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly
Product: Debt collection

XXXX XXXX  has not provided me proper debt validation for this alleged debt. I requested the original contract along with my signature. I also requested my payment history & proof of debt assignment. They have not provided any of this information. Please delete this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax the lovely company that put my information out to fraudulent people plus dealing with personal fraud on my credit that Equifax refuses to block according to FCRA. I sent a police report and identity theft.gov report to Equifax back in XXXX XXXX XXXX find me they received it and each month they would re-investigate according to what they say clearly they didnt and theyre not complying with blocking when you have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 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

I, XXXX XXXX, am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed. 

Please see identity theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX bureaus. This is unlawful and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My uncle and I have the share the same name his name is XXXX XXXX my name is XXXX XXXX. His date of birth is XXXX my date of birth is XX/XX/1969. While reviewing my credit report, I noticed a loan appearing from CARMAX. I spoke with my Uncle and he cosigned for a loan for his daughter. I called CARMAX and spoke with the finance office they confirmed that they are using the correct social security number for my uncle. The agency has associated my name with the account. 

There are several wrong name associations on my reports.
Product: Credit reporting

I have filed multiple disputes regarding information regarding XXXX XXXX XXXX, XXXX XXXX and XXXX and that is reporting on my credit report and Experian has failed to provide any verification that the information was correct, the damaging information remain on my credit report. I have contacted the creditors as well as Experian to correct the information without success. I do not feel that Experian is investigating the disputes. I feel this is unfair treatment and dishonest treatment in regards to customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom May Concern, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate. I am requesting that the inaccurate items be removed from the report immediately. 

This letter is formal request to delete the inquiries listed below from my credit report. 
To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. 

XXXXPlease delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE 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

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. 


I told XXXX, Transunion, and XXXX to reinvestigate account : XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

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 : //www.ftc.gov 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, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$16000.00} ; UTILITY SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; XXXX SELF-REPORTED XXXX Balance : {$790.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$73.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

In XXXX, I noticed on my PayPal account there were numerous charges for {$5.00} and {$10.00} throughout the account. I reached out to PayPal. They closed the account in XX/XX/XXXXXXXX  and agreed that it was indeed fraud. This should have been resolved, then in XXXX  when going to make a purchase and they need to check my credit, I see on my credit report that the account was closed as a " charge off '' and not fraud as stated in XXXX. This is a huge error that has affected my credit score and it's unfair for PayPal to make such a huge error. I have been trying to clear this up since I found out a few months ago. They are being very nonchalant about this. They do not care that they have ruined my credit score. I want it resolved asap.
Product: Debt collection

I Received A Letter From XXXX XXXX XXXX, Dated XX/XX/XXXX ... Stating My Account Has Been Assigned To Professional Bueau Of Collections Of Maryland, Inc ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report ... .On XX/XX/XXXX, They Had Added This Account To My Credit Report. I Have Never Had An Account With These Collection Agencies ... ..XXXX XXXX XXXX Or Professional Bureau Of Collections Of Maryland , Inc ... .The Account They Are Noting Was Lasted Reported In XX/XX/XXXX And They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )