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

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

Account names and numbers : XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights : XXXX! 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

In light of new documentation received by XXXX  regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly. 
( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX   disbursements )
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint on Experian each time I sent in a dispute they keep claiming to have verified the inaccurate account but however Experian you are violation the fcra by not sending out a updated credit report I expect each time I submit a dispute I except you to send me a updated report I have received 2 updates from you just this weekend almost could you please enclosed a copy of the updated report. Also when I send I. Dispute I will expect a updated report thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment recorded on my credit report for the account XXXX XXXX XXXX XXXX dated XX/XX/year>. I have ALWAYS been responsible for this account, and I believe the late payment entry is incorrect. Despite my previous attempts to resolve this issue, inaccurate information remains on my credit report, negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies, specifically referencing Section 611 ( 15 U.S.C. 1681i ), which allows me to request a reinvestigation, and Section 605 ( 15 U.S.C. 1681c ), which governs the reporting of negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete the following inaccurate items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

I received a letter from " XXXX XXXX and XXXX XXXX '' stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XX/XX/XXXX I cancelled my membership in accordance with the membership contract I signed in XX/XX/XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. XXXX XXXX and XXXX XXXX. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise stellar.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts where disputed on XX/XX/2021 and I didn't have resolution. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The Bureaus XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST INVESTORS FIN SERVICES is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Checking or savings account

New account plus they put my information in incorrect. Online and card access keeps getting locked and makes it hard to put money into the account. Plus I had no knowledge multiple times because the email was incorrect. Multiple overdrafts I attempted to fund in the grace period but due to account issues that I have had multiple tickets submitted due to this issue. My manager at the company said he could wave all the fees but due to me being an employee I have to go through the call center. The call center refuses to waive anything and I feel like this is unfair and illegal practices by the bank. If I was a random customer I would have had this issue taken care of promptly. Due to me being an employee theres nothing I can do. I am not representing regions in my FREE AND PERSONAL TIME OR ACCOUNTS. I should be treated unfairly because I work here.
Product: Debt collection

I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of XXXX XXXX. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX  XXXX aka XXXX XXXX  XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXXXXXX. 
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. 
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ XXXXLate/Open Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.
Product: Debt collection

Just saw a XXXX charge on collections on my credit score have not been with them since a long time did not owe them anything. I paid everything before I left now its showing a {$240.00} charge. 
I have not received any letters
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, this reporting agency has caused great harm to me the consumer. I never gave this reporting agency written instructions to access my consumer report. This agency is in violation of title 15 US Code 1681A ( 2 ) attached is copy of the title that this reporting agency violated.
Product: Credit reporting or other personal consumer reports

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take this derogatory account off my credit this is making me not eligible to get a house or finance a new car.. 

The following inquiries are.. 


Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$920.00} Original Balance {$920.00} Limit $ 0 Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type Telecommunications/Cellular Opened XXXX  Reported XXXX  Remarks Collection Account|Placed for collection Creditor Information XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX this is my second notice and then legal action will be taken
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information. As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. 
I would like to be clear my dispute is not about verification and/or ownership of the account. It is about the sharing of my non public, personal information to my consumer report. 
The Fair Credit Reporting Act states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ) ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

15 USC $ Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 



15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability.

Please Delete false information from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of account information on my credit report by the bureaus and creditors for my accounts listed below : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2023 I agreed to use my smartphone to make a donation to someone asking for money for a cause. When I accessed my XXXX account through the Chase app and asked for their number to make a donation to, they physically took my phone and accessed my account in order to send themselves an amount that I did not authorize. When I demanded they return my phone, their demeanor became very hostile and they refused. After they claimed my app was not working and returned my phone, they fled the area and I saw they had sent themselves {$1000.00}. I immediately called Chase Fraud to file a claim. After filing two claims, they rejected it on the basis that I authorized the transaction using my touch ID. I did log in to my banking app, but my phone was forcibly taken from me and funds were stolen. The Chase Fraud department has been extremely obtuse and difficult regarding this claim and has refused to permanently refund me for the amount. They gave me a credit for the amount twice, and twice they took it back. The recipient that received the funds is not someone I have ever sent money to before, nor are they anyone I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX Breach, My name, social, drivers license, emails, phone and 1 bank account was breached, the usps post master also stated mail forwarding was in place to several abandoned buildings. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky . Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX  : XXXX ) XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax about removing these Inquiries that I don't recognize from my credit report going on XXXX months now they have not been removed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX account is reporting delinquent, but I am current and have never been delinquent on this account with XXXX XXXX XXXX. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed are inaccurate in terms of reporting, with inaccurate amounts and dates.
Product: Debt collection

I XXXX XXXX was married approximately XXXX ago to XXXX XXXX XXXX who is a XXXX XXXX XXXX XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. XXXX XXXX LVNV ON BEHALF OF XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE AND THE FOLLOWING OTHER COMPANIES ON XXXX XXXX XX/XX/223 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 INQUIRED INTO MY CREDIT FILE WITHOUT MY WRITTEN CONSENT THESE INQUIRIES ARE THE RESUALT OF FRAUD AND IDNITY THEFT AND WERE NOT AUTHORIZE BY ME PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S.C SECTION 608 THESE INQUIRIES DOES NOT REFLECT COMPLIANCE WITH THE ACT AND FURTHER VIOLATES THIS STATUE BY FURNISHING INFORMATION THAT IS NOT COMPLETE AND ACCURATE