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

In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights. 

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 
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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well! 
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 which was violated. 

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously. 
Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously. 
EQUIFAX have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EQUIFAX, stated my account was properly investigated but how is that possible if the account type, comments, and payment history show inaccurate showing current from XX/XX/XXXX thru XX/XX/XXXX yet the account payment status show Collection/ChargeOff????!!! ( see credit report pulled XX/XX/XXXX vs prior report of XX/XX/XXXX screenshots ). This is still showing the same incorrect and inaccurate information!!!! 

Additionally, the law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) which EQUIFAX has failed to comply which I am enforcing my rights under the FCRA. 

This is grounds for REMOVAL!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of their ably with maxium accuracy i have never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), PEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWIG THAT THESE PAYMENTS WERE LATE IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATEDTO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting on my credit account, which inaccurately alleges non-compliance with 15 USC 1692 ( g ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your account 's reporting contains misleading information that fails to adhere to the guidelines outlined by the FCRA, specifically in relation to the aforementioned statute.

According to the FCRA, disputed items that can not be supported by evidence should not be included on a consumer 's credit report. Given the lack of substantiating evidence for the reported non-compliance with 15 USC 1692 ( g ), I request that this disputed item be removed from my credit report immediately.As a consumer, I am entitled to fair and accurate reporting of my credit information, in accordance with the provisions of the FCRA.

It is imperative that your account upholds these standards and ensures that all reported information is substantiated and compliant with the law.

HOW CAN YOU ACCEPT MY LETTERS, WITH THE GREEN RETURN RECEIPT TO PROVE SO, AND NOT NOTIFY ANYTHING TO THE CREDIT REPORTING AGENCIES OF WHAT I HAVE SAID, AND NOT PROVIDE ANYTHING BACKING YOUR RECKLESS CLAIMS AND DECISIONS. YOU CLAIM THAT YOU HAVE GIVEN ME A LOAN HOWEVER I APPLIED FOR CREDIT, AND SUBMITTED A CONSUMER CREDIT TRANSACTION SO WHOS CREDIT DID YOU GIVE ME?. YOU CLAIM THAT YOU HAVE GIVEN ME A CREDIT CARD BUT THAT IS INDEED MISLEADING AND DECEPTIVE AS ( EXPLAINED BEFORE IN PREVIOUS LETTERS ) THAT A CREDIT CARD IS NOT SOMETHING YOU ISSUE YOURSELF. WE ARE BOTH AWARE OF THE DEBENTURES BEING UTILIZED, WHICH CREATES THE FANTASY YOU SO HOPE FOR PEOPLE LIKE ME TO BELIEVE IN YOU ACTUALLY GIVING US MONEY OR A LOAN. HOWEVER, YOU CAN NOT LEND CREDIT WHICH IS WHAT THIS TRANSACTION CONSISTED OF, A CONSUMER CREDIT TRANSACTION. PLEASE UNDERSTAND THAT IT HAS TOOK ME QUITE SOME TIME TO OVERSTAND YOUR MISCHIEVOUS WAYS AND THE NUMBER OF TIMES I HAVE BEEN VIOLATED WITHOUT SEEKING COMPENSATION OR REPARATIONS. MY TIME IS RUNNING OUT AS I DO NOT HAVE AN INFINITE AMOUNT OF YEARS LEFT BUT I HAVE TO SPEND TIME KNOWING SUCH THINGS.

I kindly request that you conduct a thorough review of the reported item and provide documentation supporting its accuracy. Failure to do so may result in further action to rectify this matter.

Thank you for your prompt attention to this dispute. I trust that you will take the necessary steps to address this issue and provide a resolution in a timely manner. 

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

Dear, Experian I am writing to formally dispute unauthorized or fraudulent inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. Please remove this unauthorized inquiries from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my consumer rights! They are reporting a XXXX XXXX Bankruptcy stating my spouse filed it. I have never been married and they have shared this inaccurate information with the credit bureaus Transunion and XXXX. They are not reporting factual and accurate information. I have disputed this information with them several times and they are stating PACER is reporting it accurate. I contacted PACER and they do not have a file that says spouse filed anything. I have asked them to remove this information and they have not. They are in violation of METROXXXX  reporting requisites per the XXXX as well as the FRCA, and thus damaging my credit. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and maximum " possible '' completeness 's, which extends to the reporting mandates that there be no deviation from METROXXXX Format Compliance since, per the XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in my consumer reports that they have prepared for me.
Product: Bank account or service

I have received several emails over the past few years regarding an " account '' with Wells Fargo, that I know nothing about. They seem to to be coming from different senders within the bank. I was able to retrieve one of the emails sent recently ( see attached ). The email was sent to : XXXX.
Product: Vehicle loan or lease

Capital One confiscated and took the car without my consent and expert. The truck was in the dealership XXXX XXXX XXXX XXXX with warranty. They promised to fix the factory problems under warranty! But they waited until the warranty expired. From XX/XX/XXXX to XX/XX/XXXX. We went to them periodically to check. They said they were waiting for the engine. And they called me to pick up the truck in 1 year! I hired a lawyer to solve this problem but the bank Capital One took my truck without inspections and sold it! I paid the loan without delay until XX/XX/XXXX and waited for the truck to be repaired. Why didn't the dealership tell me earlier that they wouldn't fix the truck? Now it's my fault because I paid the bank on time? I borrowed XXXX to pay the downpayment to buy this truck! They confiscate for non-payment of a loan! But I paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number BXXXXXX WITH A BALANCE OF {$100.00} AND ANOTHER ONE WITH THE ACCOUNT NAME : XXXX XXXX XXXXCCOUNT NUMBER : XXXX OPENED XX/XX/XXXX WITH A BALANCE OF {$10000.00} AN ACCOUNT OPENED WITH BOUNCE AI XXXX # XXXX OPENED ON XX/XX/XXXX WITH A BALANCE OF {$990.00} This account has resulted in several fraudulent hard inquiries INQUIRY NAME : XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX DATE XXXX XX/XX/XXXX INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Mortgage

I have been working on a short sale for 2 months and it does not appear that anyone is diligently working on it. They have lied to me several times regarding the order of the property value and neither the negotiator nor the manager has returned my calls.
Product: Debt collection

National Credit Adjusters has been calling me daily at work and hangs up everytime I answer the phone. They never leave a message when I don't answer just silence and then disconnects each time I do answer. This is also a debt included in a class action lawsuit against them that is being finalized and supposed to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has verified the validity of an account that they have failed to report accurately. I am not legally responsible for an account that they stole money from and credited another consumers account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never filed these bankruptcys please have them send or show proof that this is mine which is not but a mistaken identity. My name I think was used a mistaken identity my name is XXXX XXXX XXXX which is on my certificate of birth. 

Not ( XXXX ) Please have them remove this incorrect information that is causing me financial problems. There is already a inflation and this is not helping.
Product: Credit reporting or other personal consumer reports

I am not aware of how this account was created or used. I never authorized the opening of this account. However, because of this account 's appearance on my credit record, my score has been decreasing.
Product: Credit card or prepaid card

I called multiple times today and in the past in reference to synchrony Bank with the CareCredit account card. They miss apply payments whenever there are standard charges they apply them to the promotional balance instead of the standard charges and then charge you interest. They refuse to reverse the interest charges. No other credit card company does this. They day you have to specifically call to get the payments applied to the standard purchases in order to avoid interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX are reporting an item on my credit report which does not belong to me. I have brought it to their attention several times and taken every possible measure to prove the account does not belong to me and they have not made a single attempt to remove the item or assist me with the matter. The item I am referring to is listed as XXXX XXXX XXXX on my report and it claims that I owe a balance of {$7000.00}. I have never had an account with this company nor the supposed " original creditor ''. I don't recognize either of them!
Product: Debt collection

Hello, There were 2 items on my credit report that were not mine and I disputed them. XXXX/XXXX/XXXX removed them. I now went back and noticed them reinserted on my reports under a new collection company " Commenwealth Financial SYstems ''. It was previously " XXXX XXXX ''. I was not informed by the agencies or by this new collection company who adjsuted the dates to make it look current as well. I ask for these 2 items to removed ASAP and I have not heard a word. They have not even verified if it was true information as we know it is not mine. Please help I am at the end of my rope dealing with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian located in po box XXXX, XXXX, TXXXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX XXXX XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Date of last activity has been re-aged I believe this is a violation. 
Close date is reporting as incomplete Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate?
Product: Debt collection

the collection agency has repeatedly, sent me notifications to pay a debt that is not mines! I have reached out to the collection agency to fix this issue, and to report this as identity theft! I have sent the ''identity theft '' documents twice and the last time they were sent to the collection agency the documents were sent through certified mail. even thought I have disputed the debts numerous times, the collection agency continues to attempt to collect a debt that I do n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX and 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 ASSOCIATED CREDIT UNION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and find that LVNV funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.
Product: Credit reporting

On XXXX XXXX, 2015 I received notice from XXXX XXXX XXXX XXXX XXXX that the above referenced account would be closed from their files, and trade lines deleted from my credit file in accordance with the FTC Settlement : to Civil No. XXXX ; XXXX, Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX months later, this trade line still shows on my credit report and is affecting my FICO score negatively. 

I have taken all steps necessary to correct my credit report, however, it appears that I will need enforcement at this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report, as my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 entitle me to accurate reporting. Upon reviewing my credit file, I found several discrepancies that must be corrected immediately. 

Disputed Information : XXXX. Personal Information Errors : Incorrect names : My report lists multiple variations ( XXXX XXXX XXXX and XXXX XXXX ). Only [ XXXX XXXX ] is accurate. 

Incorrect birthdate : My correct date of birth is [ XXXX ], but my report lists XXXX must be fixed. 

Incorrect addresses : Remove : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN XXXX XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX Cross XXXX XXXX XXXX XXXX, XXXX, TN XXXX as I have not resided at these locations. 



XXXX. Inaccurate Account XXXX : XXXX Bank ( Account # XXXX ) ** XXXX balance inconsistencies ( {$6400.00} vs. {$6300.00} ). 

The credit limit is missing in XXXX report. 

The status says " XXXX, '' but I never received notice under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 


XXXX Bank ( Account # XXXX ) ** XXXX last payment dateone report states XX/XX/XXXX, another XX/XX/XXXX. 

Credit limit missing in XXXX report. 


XXXX XXXX Account # XXXX ) ** The account is inconsistently listed as XXXX and XXXX. 

The balance is reported as {$4300.00} in XXXX report and {$3500.00} in another. 


XXXX XXXX Bank ( Account # XXXX ) ** Remarks state Account disputed, yet no verification was provided under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 


XXXX XXXX XXXX ( Account # XXXX ) ** Possible duplicate collection. The FCRA prohibits listing the same debt multiple times. 




XXXX. Inquiries Not Authorized : Duplicate hard inquiry from XXXX ( Dates : XX/XX/XXXX & XX/XX/XXXX ). 

Hard Inquiries to Be Removed ( Unauthorized or Duplicate ) KTVAECU-PQ ( Duplicate Inquiry ) XX/XX/XXXX XX/XX/XXXX First XXXX Bank XX/XX/XXXX ( unauthorized ) WebBank/OneMain XX/XX/XXXX ( unauthorized ) TBOM/Milestone XX/XX/XXXX ( unauthorized ) Cap XXXX NA XX/XX/XXXX ( unauthorized ) Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I request that you investigate and correct these inaccuracies within 30 days or provide written evidence that verifies their accuracy. If these errors are not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below were not authorized and I was unaware on any of these below please delete immidiately FCRA violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, My credit report was updated this week and now shows that Mohela is reporting my student balance incorrectly. 

I have a roughly {$120000.00} balance, but they are reporting that I owe over {$270000.00}. I consolidated my loans in XXXX and now the original, individual loans are showing as well as the new balance on the consolidated loans. I didnt bother to call them because it takes hours to get someone on the phone, and I finally do get to talk to someone, they never have any substantive answers. 

Please look into this. I have seen others reporting this same issue on XXXX. My husband and I just sold our house and need to find our next home, so this is a massive problem for me. 

Thank you for your time and help, XXXX XXXX