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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX/XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so.

In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX!!! XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX ***Other loans**!!! OTHER LOANS *XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX **** Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank provided to your office misleading, false information and bold face lies in order to avoid their responsibility for violating my rights as a consumer, for crashing my credit score by recklessly disregarding and acting in spite of CARES Act. Capital One verbally manipulated me through different stall tactics to avoid my disputes claims, every time I complained, Capital One unethical bogus retaliated against, by taking adverse action, escalated my account into default status, adversely affecting my credit rating during COVID-19 pandemic my extreme financial hardship. Your office acted biased, prejudiced, by avoiding the truth, acted in favor of Capital One by closing my complaint based upon lies and false allegations made by the creditor. I am demanding to investigate my complaint based upon full records I'm forwarding now for your fair and objective review.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my right 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 or other personal consumer reports

Hi, my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.
Product: Debt collection

I work for Synchrony. Multiple times, in a couple of years but especially in the pandemic, has taken payments through XXXX XXXX XXXX and had the incorrect amounts taken. 

I have raised my complaints within the company of Synchrony and directly through XXXX XXXX to be shot down every time. 

This is such a widespread problem throughout Synchrony and XXXX XXXX to be estimated in millions of losses for our consumers. The problem continues to persist and Synchrony and XXXX XXXX are either not acknowledging the problem or profiting from it. 

I can not explain the number or volume of complaints that we have received in response to this problem. Synchrony and XXXX XXXX are both responsible for these problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from BEST BUY/CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Debt collection

I have written multiple letters to this company asking for the account and the information on the account be validated. It is illegal for this company to continue to report information that can not be validated.
Product: Credit reporting or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XXXX I mailed dispute letters to XXXX, Experian, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate. 
PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete.

How is this being accomplished if documentation required by law is being honored. I requested.

1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a telemarketer from American Express by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can American Express telemarketers just lie to us with immunity and without recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. 

My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Product: Credit reporting or other personal consumer reports

My rights are violated under 15 USC 1681i. XXXX  XXXX XXXX XX/XX/year>, Bank XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. I need all these Inquires removed from my Transunion credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX  ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX  ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested them to provide proof within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over 2 years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE KEEP REPORT THE FALSE STUFF ON MY CREDIT REPORT PLEASE REMOVE THEM I sent a letter out to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Debt collection

I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I identified the following account containing inaccurate or unverifiable information : Account Details : Creditor : XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off Past Due Amount : {$1000.00} Balance : {$1000.00} Last Payment Date : XX/XX/XXXX This reported charge-off and associated details are inaccurate and fail to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, as per 15 U.S. Code 1681i ( 5 ) ( A ) : XXXX. If, after a reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified. 
XXXX. The furnisher of the information must also be notified of any modifications or deletions to the consumers file. 

I request that you reinvestigate this account and provide the following : Verification of the accuracy of this account, including any supporting documentation provided by XXXX XXXX XXXX. 
Evidence that the reported charge-off complies with FCRA standards, including the required notice and procedures. 

If the information can not be verified, I demand that it be removed from my credit report in accordance with 15 U.S. Code 1681i ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am XXXX XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$560.00}, XXXX XXXX XXXXXXXX XXXX bal. {$26000.00}, XXXX Department of Education bal. XXXX, XXXX XXXX, XXXX XXXX. {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting negative information from XXXX Tx, XXXX On XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information. It doesn't have a specific " code '' for reporting on your credit report without permission, but it does outline certain protections. 

Key provisions related to reporting without permission include : Permissible Purpose ( 15 U.S.C. 1681b ) : This section states that consumer reporting agencies can only provide your credit report for specific purposes, like when a lender is considering a credit application or when a potential employer performs a background check ( with your consent ). 

Unauthorized Access and Reporting : Under the FCRA, if someone obtains or reports your credit information without a valid reason ( known as " impermissible purpose '' ), this is a violation of the law. 

If your credit information is accessed or reported without your permission, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or potentially take legal action against the party in violation.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent inquiry in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove it as soon as possible. 

XXXX XXXX XXXX inquiry date XX/XX/2023
Product: Credit card

XX/XX/2024 Sending letter by mail and emessage to Chase regarding the balance already paid off to XXXX  by XX/XX/2024 and credit card need to be canceled or closed. 
XX/XX/2024 Still receive bill with interest on XX/XX/2024 at {$9.00}. 
This credit card practice is so ripped off when challenged the customer to close their credit card and keep charging the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this information. It does not belong to me.
Product: Prepaid card

I was given a ViSA gift card issued by Vanilla in the amount of {$100.00}. The person gifting this to me also taped their receipt from XXXX verifying that it was activated. I went to XXXX, and they said the receipt proves the card was purchased and activated, but they are not responsible for the card not working, nor could I exchanged it for another. 

When I opened the card, a group of 4 numbers had been scratched off or possibly was never printed on the card. The numbers missing are in the middle of the card account number. I tried calling Vanilla Gift ( the issuer of this gift card ) multiple times and tried multiple options, but I could not get any service since I can not enter the account number. No matter what I do, I get a recording that says, " It looks like you are having trouble with your card number, goodbye '' and then I am automatically disconnected. It says that the account number is also on the packaging, but that is not true. The only place with the actual account number is on the card front. I then tried using their website feature, but it also requires the card number to proceed, and again, I can not read the number. 

Since I can not read the card number, it is impossible to use it online as I can not enter the number. I have tried at multiple stores including, XXXX XXXX, XXXX, XXXX and XXXX, and XXXX to use this card. It was rejected by all of them. The packaging says to pick any 4-digit pin at first use, but this also does not work. 

When researching this, I found a forum where dozens of people have had this same complaint about Vanilla gift cards. I was shocked to see the same problem over and over again about the missing or scratched-out numbers. My guess is they are hoping people will just give up and not use the card.
Product: Student loan

I am on the SAVE repayment plan, which means I am in automatic forbearance. I received a letter stating I am accruing interest while in forbearance, however, that should not be the case. I can not get in touch with anyone at Mohela. I've tried to call multiple times and recently submitted an email through their system. I need confirmation on whether I am accruing interest or not.