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

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

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's Class Action Lawsuit due to it's predatory lending practices have adversely affected me. 

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

Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States that no consumer agency may make any consumer report containing any of the following items 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

On XXXX XXXX all my inquiries where deleted. I logged back in a couple days later and my score dropped tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX   Hospital as I have no children and have no knowledge of owing a XXXX  hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the handling of my dispute concerning inaccurate and unauthorized items on my credit report. I have taken multiple steps to address these issues, but the response I have received has been unsatisfactory and continues to negatively impact my credit score. 

Summary of Events : Dispute Initiation : On XX/XX/XXXX, I submitted dispute letters via certified mail to my credit bureaus and relevant creditors regarding inaccurate and fraudulent information on my credit report. These disputes focused on unauthorized inquiries and a fraudulent account related to XXXX XXXXXXXX XXXX XXXX. 

Key Dates and Actions : Dispute letters were received by the creditors on XX/XX/XXXX, and XX/XX/XXXX. 
In response, XXXX fraudulent account/inquiry was deleted. However, other negative inquiries remain on my credit report with the following reported dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The disputed account originally had a balance of {$700.00}, which has also contributed to the negative impact on my credit. 
Current Impact : Despite my efforts, my FICO score has decreased from XXXX to XXXX. The credit bureaus have stated that certain items are factual record file access and will remain on my report for XXXX years from the date of the inquiry, despite my assertions that these inquiries are unauthorized and fraudulent. 

Actions Taken : I submitted detailed dispute letters referencing my rights under the Fair Credit Reporting Act ( FCRA ), specifically requesting the removal of unauthorized and inaccurate information. 
I have followed up with additional requests for validation of the disputed items, including a request for proper documentation under 15 U.S.C. 1681i, which governs dispute investigations. 
I have provided supporting documentation ( copies of certified mail receipts and relevant correspondence ) to validate my claims. 
Complaint : I believe that the credit reporting agencies and the creditors involved have not fully complied with their obligations under the FCRA by failing to remove inaccurate, unauthorized, or fraudulent information from my credit report. This has led to a significant and unjustified decline in my credit score, affecting my financial wellbeing and ability to secure future credit. 

I request that the CFPB investigate this matter and ensure that my consumer rights are upheld. I am willing to provide further documentation if necessary. Please conduct a thorough review of the dispute resolution process and the information reported by the creditors in question. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate items reported on my credit file by Equifax. At the beginning of XX/XX/year>, I discovered that I was a victim of identity theft. On XXXX, 2024, I filed an FTC Identity Theft Report to document the fraudulent activity. Subsequently, on XX/XX/year>, I created multiple disputes with Equifax under the identity theft reporting process, providing all necessary supporting documentation. 

Despite these efforts, the inaccurate items remain unresolved. The credit reporting agency has failed to act in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within 4 business days after receiving proof of identity theft. Additionally, the FCRA mandates that credit reporting agencies must either verify disputed information as accurate or remove it promptly if they can not substantiate it. As of XX/XX/year> Equifax has failed to comply with these requirements. 

This delay is causing undue hardship and potential harm to my creditworthiness. I am seeking your assistance in holding Equifax accountable for their noncompliance with federal law. Specifically, I request that the inaccurate items on my credit report be removed immediately and that Equifax comply with the FCRAs requirements to address disputes and identity theft claims promptly. 

Thank you for your time and attention to this matter. Please let me know if additional details or documentation are required to assist in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( SANTANDER CONSUMER USA ) is reporting on my personal credit file with XXXX, XXXX, and XXXX XXXX Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to freeze my credit with Equifax. When I log in to my account through their website to freeze my credit, the page tells me to call them. When I call them they say they can't freeze my credit and I need to send them identifying information through the mail. When I did that twice, I have never heard anything from them. Therefore I can't freeze my credit through Equifax even though I am a victim of fraud and new cards are being opened in my name fraudulently. XXXX and XXXX have both been able to freeze my credit without any problem, as well I have placed a fraud alert through XXXX in which Equifax has yet to recognize despite it being months.
Product: Debt collection

... ... .XXXX XXXX XXXX XXXX froze or levied my account on XX/XX/23 because citi bank na used XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  execution letter delivered to XXXX XXXX XX/XX/23 to levie my account because of consumer debt that I'm not able to pay do you being on pa unemployment insurance ... ... .I have emailed XXXX XXXX XXXX XXXX serveral times letting them about exemptions on pa unemployment state and federal part and let them know about wwrs and the complaint ... ... .I 'm having absolutely no problems with first keystone that s me and my wifes joint but ... ... ... ..so it has to be XXXX XXXX XXXX XXXX and how they are handling this ... ... ..I was served by the sheriff s department today XX/XX/23 ... .. How is the bank able to levie or freeze my account on a executive letter that is against Pennsylvania and federal law to levie exempt unemployed insurance benefits... I sent a complaint to cfbp but haven't gotten a reply... I attached the order to you because is the order mis read by XXXX XXXX XXXX or do i file against XXXX XXXX XXXX XXXX citi bank nv but sent to local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX it is getting all mixed up because of federal local Pennsylvania upstae ny laws when .... im being affected Imediately ... ..the bank and law firm and citi bank na are breaking Pennsylvania and federal laws on major exemptions under Pennsylvania and Federal laws on trying to collection on employment compensation insurance ... .I attached the page but was served after the fact of the levied account how are they allowing this to happen ... .if possible can you forward my message to the right party I fighting here ... .I will reply to the courts but I'm being buried by bank to bank snowball to a avalanche effect here and its all damages and racking dollars cause the locked my only form of income pa uc .....
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all 3 credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX allowed fraudulent charges and transactions that are against the contract I entered with them to hold me harmless of fraud.
Product: Credit card

I made 3 payments to my credit card XX/XX/XXXX and the last one was after my due date to be applied for the next month it was never applied and I was charged a late fee when I spoke with a supervisor for Capital One by the name of XXXX she explained to me that it was not within my billing cycle and it will NOT be accepted for the next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was disputed and deleted by the credit bureau ( Equifax ) in XX/XX/ 2018, it was then sold to another debt collector and is being reported again illegally and Equifax has allowed this!
Product: Checking or savings account

This has been happening more often than not. My banking institution, US Bank, has been making some serious mistakes with my account. For instance, I visited my account on Wednesday and had no pending transactions. I had over {$1000.00}. Whats funny is prior to that, earlier on in the week, I had {$700.00}. This morning I opened up my account and I have {$600.00}! They are not posting things when they should. They wait days to post things. It is so difficult for me to figure out what is going on as I am not good with numbers but I know 100 % sure that something sketchy is happening. I did email them about this. Please help me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA, XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Lexis Nexis absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, [ Your Name ] Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start by saying thank you for looking at the items I sent in for investigation to TransUnion, XXXX, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX XXXX  of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX   XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information.

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that TransUnion, XXXX, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported to my credit file by Collection Agency 's. I believe this action is unlawful and in violation of several consumer protection laws as outlined in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

1. **Failure to Provide Validation Information** Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information regarding the debt in question before any reporting can occur. Despite my request for this information, Collection Agency 's has failed to provide any validation pertaining to the alleged debt, yet they have proceeded to report it to the credit bureaus.

2. **Right to Dispute** I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have made several attempts to reach out for clarification, but these requests have gone unanswered, violating my rights as a consumer seeking to dispute the validity of this account.

3. **Misleading and Deceptive Practices** I firmly believe that Collection Agencys is engaging in false, misleading, and deceptive practices concerning the collection of this account. Under various consumer protection laws, including 12 CFR 1006.34, such practices are strictly prohibited, and I request an investigation into this matter.

4. **Unauthorized Reporting** The collection agency has no lawful authority to furnish information to consumer reporting agencies without adhering to all disclosure requirements mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S1q 2 ( 7 ) ( a ), which state that no reporting can occur without appropriate disclosures. This has caused serious harm to my credit report and overall financial standing.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to investigate this matter. I seek appropriate corrective action to have this collection account removed from my credit report and ensure that Collection Agency 's adheres to legal obligations going forward.

Attached to this letter are relevant documents supporting my dispute, including correspondences with Collection Agency 's and my credit report reflecting the disputed account.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear, Im XXXX old XXXX XXXX  civilian and credit card holder from Pentagon credit union since XX/XX/XXXX, after the merger the guidelines and term of disputes changed from 3 Busniss days to 30 days to assign someone to dispute and issue provisional credit and NOT deduct interest on the disputed amount and email affidavit for signing when I signed terms with Pentagon credit union in three business days and they must disclosed any changes and follow the grandfather clause. 
I filled dispute on XX/XX/XXXX, foot massage I just got letter that the dispute resolved in my favorite last weeks, 18 months.
Product: Checking or savings account

I recently encountered an issue where Chase Bank closed my account without any justification. I received a phone call from Chase Bank on XX/XX/year>, regarding the account closure and Chase Bank said they are not able to provide reason why Chase closing our account. The money in my account was all legitimately earned, and they did not provide any evidence to prove otherwise, nor any reason for closing my account. This has caused significant inconvenience in my life in the U.S., which is also unacceptable. Additionally, since the account was opened, the bank never contacted me or warned me about any potential issues with my transactions. There were no prior warnings or communications. I hope the Consumer Financial Protection Bureau ( CFPB ) can help me resolve this matter and communicate to Chase that such actions are not acceptable.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX  XXXX, reviewed my credit report and found the following Name, Addresses, and inaccurate accounts reporting in my credit report. I am a victim of identity theft and did not authorize the charges. I have provided proof of identification, Proof of address ( Utility Bill ) and my social alone with the inaccurate names and accounts that needs to be removed. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months