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

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
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 thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. Accounts include 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 card

I purchased a sectional from Macy 's on XXXX/XXXX/XXXX using my Macy 's credit card in the amount of {$4500.00}. I exchange the sectional on XXXX/XXXX/XXXX and purchased another one for a lesser price {$2600.00}, I had a credit from the first sofa and can understand why Macy 's has not applied the credit to the exchanged sectional. I have called Macy 's customer service department on several occasions waiting for some one to call back. I also have been to Macy 's seeking help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

( I sent you the wrong company. So acct XXXX is wrong just delete it ) Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Transunion In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
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 U.S.C 1681. 
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 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all of the items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately ( Transunion and XXXX ). XXXX has already deleted these items. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me to delete these illegal accounts from my credit reports ( Transunion and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Student loan

On or about XXXX XXXX I completed a Loan Rehabiliation program with XXXX XXXX and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. 

As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. 

On XXXX/XXXX/XXXX - I sent a special written request directly to XXXX. 

In whole, it stated : { { { { { Regarding Account # XXXX Account # XXXX I 'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any William D. Ford Federal Direct Loan ( Direct Loan ) Program and Federal Family Education Loan ( FFEL ) Program - as specified in the terms of the Higher Education act and the Department of Education. 

Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date, and make all nine payments during a period of 10 consecutive months.

Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me early in XXXX, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. } } } } I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
Product: Credit card or prepaid card

I look at my accounts online daily On XXXX XXXX I noticed my XXXX XXXX account said restricted. My payment was due by XXXX XXXX on the XXXX  of XXXX I made a payment for {$300.00}. I called Saturday the XXXX of XXXX to ask for a credit card increase. To only discover my account was closed without any notification or a reason to the closure. This is an active account I pay into and use this account if not daily weekly.This is unacceptable especially when I'm in a crisis do to bereavement of my brother passing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EXPERIAN ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX  XX/XX/XXXX XXXX ADDRESSES : XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX EMPLOYERS : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputed : Reported Account Number : XXXX {$75.00} Creditor/Collection Agent ALCHRO INC. who are the parent company of XXXX XXXX XXXX XXXX XXXX.The mail to XXXX XXXX XXXX XXXX XXXX was sent certified delivery and has been returned on each occassion by USPS as UNDERLIVERABLE. 

Chain of Events : On XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. XX/XX/2018 I contacted the company XXXX XXXX XXXX XXXX XXXX who is named as the reporting company on my credit files in writing at the postal address stated as their mailing address from my credit report by letter delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed XXXX XXXX XXXX XXXX XXXX   that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Debt collection

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from the bureau stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We purchased a home in XX/XX/XXXX. Our funding was tied up in our previous home not being sold. A {$590000.00} loan was needed which was greater than 80 % loan to value of the new home. Private Mortgage Insurance ( PMI ) was required by the lender, Cherry Creek Mortgage of XXXX XXXX, CO. 
All required mayments were made timely as well as an additional {$50000.00} toward the principal in XX/XX/XXXX. On XX/XX/XXXX we were approved for a loan re-cast. We made an additional principal payment of {$450000.00} as our previous home had been sold. We assumed that the PMI would be discontinued as the new principal balance was {$98000.00} which was a considerable reduction from the original loan amount. The lender did not offer to have the PMI discontinued at that time. On XX/XX/XXXX we realized that the monthly PMI of {$94.00} was still being withheld. At this point we requested to have the PMI discontinued and refund the PMI withheld since XX/XX/XXXX. A " supervisor '' stated that refund was not possible and it was our responsibility to request PMI termination. The " supervisor '' stated that the lender had to verify that the property value was indeed less than 80 % loan to value. The lender initiated a formal appraisal which was conducted on XX/XX/XXXX. An additional principal payment of {$20000.00} was made on XX/XX/XXXX. The current principal balance is {$75000.00}. 
Our complaint is that eventhough the Home Owners Protection Act ( HOPA ) does not required the lender to offer PMI termination, the lender could have offered PMI termination as a good customer service practice. Additionally, the HOPA does not require that a formal appraisal be conducted ; only that it is a lender option. Again a good customer service practice would have been for the lender to forgo the formal appraisal since the outstanding principal balance was considerably less than the original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts or charge appear on my credit report.
Product: Credit card or prepaid card

Victoria Secret lowered my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.
Product: Credit card

Dear U.S. Bank Customer Service, I am writing to formally dispute the handling of my U.S. Bank XXXX Credit Card rewards and request compensation for the cashback I was unfairly denied due to miscommunication from your representatives. 

On XX/XX/year>, I applied for the U.S. Bank XXXX Credit Card and was informed that by maintaining {$100000.00} in a brokerage account, I would qualify for the full 4 % cashback reward. Based on this information, I promptly transferred $ XXXX into my U.S. Bank brokerage account. At no point was I informed on the recorded phone call that I also needed to open a savings account to qualify for the enhanced cashback rate. 

After four months, I noticed that I was only receiving 2 % cashback instead of 4 %. Upon contacting customer service, I was informed for the first time that a U.S. Bank savings account was requiredeven if only {$5.00} was deposited. Had this requirement been properly disclosed upfront, I would have opened the savings account immediately to ensure I received the full benefits. 

Due to this miscommunication, I have lost approximately {$400.00} in cashback rewards on {$20000.00} in spending. This loss is directly attributable to incorrect or incomplete information provided by U.S. Bank representatives when I opened my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I've been trying to remove it for years. They won't prove it. NOw that I'm trying to use my credit to buy a house, car, and get a credit card. During the time when I did have my card, my securities performed but Chase didn't perform. There's no need to be so greedy. They also report my information to early warning services which I NEVER gave them permission ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

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 right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the account to " open/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX