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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address concerns regarding Experian 's non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding the following sections : XXXX. XXXX XXXX. XXXX This section mandates that consumer reporting agencies must not report any adverse information that is more than seven years old, with certain exceptions. If Experian has reported any information beyond this time frame, it is in violation of this statute. 

XXXX. XXXX XXXX. XXXX This section outlines the permissible purposes for which a consumer report may be obtained. If my report has been accessed or shared without my consent or for an impermissible purpose, Experian is not in compliance with this provision. 

XXXX. XXXX XXXX. XXXX As this section relates to the requirements for the accuracy and integrity of information provided by consumer reporting agencies, any inaccuracies or failure to verify information could suggest that Experian is not adhering to this standard. 

I request a prompt investigation into these matters and a response detailing the steps Experian will take to ensure compliance with the FCRA. 

I request that the following items be removed from my credit report due to non-compliance with the aforementioned FCRA provisions : Names XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX, XXXX XXXX Equifax Re : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX , Equifax, XXXX Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX Way XXXX , NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act.

Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover credit card offers consumers a way to see if they are pre-approved for a Discover credit card via Discover 's website. Discover allows consumers to check their pre-approval status once every XXXX days. Each and every time I seek pre-approval, I am denied because of " the number of recent inquiries. '' Despite a fair credit rating with a XXXX XXXX of XXXX, according to the credit data pulled on me by Discover on XXXX XXXX, 2022, I am still being denied because of " the number of recent inquiries. '' It is my belief that Discover is intentionally discriminating against me, and potentially other consumers, for seeking credit -- credit related to housing, automobiles, XXXX XXXX and any other form of credit. This is not only discriminatory but an unfair and deceptive lending practice by Discover ; Discover is knowingly and deliberately telling consumers that we need good credit to apply for and be pre-approved for their products, but we must not apply for any credit because applying for credit creates an inquiry, which according to Discover, too many inquiries is grounds for denial of credit. Such a model of lending and denial of credit is unfair and deceptive. How are consumers -- how am I -- supposed to obtain credit if I do not actively apply for credit and subsequently maintain credit? Discover is expecting the impossible of consumers with their unfair demands that we do not apply for credit. The numbers of inquiries on a credit report in no way reflects my ability to repay my credit obligations. In fact, I can not have any credit obligations unless I actually apply for credit which in turn requires a hard inquiry on my credit report from credit card companies such as Discover. Discover is engaging in unfair and unrealistic lending practices, especially when no human has even reviewed my pre-approval application for a Discover credit card. Furthermore, my XXXX XXXX alone, even without human intervention, demonstrates that I am creditworthy enough for Discover. It is unfair and impossible for lenders like Discover to expect good credit and then penalize us for applying for credit in order to maintain the good credit they require. Even after the online notification that Discover can not pre-approve me for a credit card, they still " invite '' and " encourage '' me to apply for their credit cards, which is also misleading and deceptive ; if they won't pre-approve me because of " too many recent inquiries, '' then they should not misleadingly and deceptively encourage me to apply for their products.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mail was stolen back in XXXX, and a credit card was opened with ally fraudulently. I have contacted ally and they know it was fraud and closed the account. Can you please note my account and make sure this doesnt affect my credit. 

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

Syncb Paypal Im filing a dispute on a hard require
Product: Money transfer, virtual currency, or money service

My username and password with my bank has been changed. Now I'm being told XXXX  can no longer access my bank account for transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mixed file on my credit report Transunion is reporting I have a bankruptcy on my report this is incorrect information
Product: Debt collection

According to XXXX " opt out '' As a federally consumer under the FCRA I opt out of any verbally, nonverbal, written, nonwritten communication. 

As of today date XX/XX/2024 Any additional furnishing of this account is a violation of my rights and subject to XXXX per violation per the FCRA
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX
Product: Debt collection

This item was identity theft, FTC police report was filed, XXXX XXXX was removed then re-added to my credit report. This is my second time filing a police report and I have been blocked and ignored by both the bank JPMCB Card and XXXX. I would like this issue resolved as I have now started the litigation process with the Colorado Legal service team XXXX.
Product: Debt collection

My first request for verification was on XXXX and that was over 180 days and i have yet to receive proper verification from this alleged XXXX debt that it is on my report. Also i never even received the option or the communication needed to rectify this alleged debt. XXXX has not verified this account or anything and i've sent countless letters to them. I need your help because they are ignoring me.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally dispute an incorrect late payment reported on my credit report for my Ford Motor Credit account . The account number in question is XXXX Upon reviewing my recent credit report from [ XXXX, XXXX, or XXXX ], I was surprised to find a late payment recorded for the month of [ XX/XX/year> ]. I believe this to be an error, as I have consistently made all my payments on time and in total - and certainly nothing over 30 days late. This is my third auto loan with Ford Motor Credit. 

I assume this issue arises from the {$560.00} payment made on XXXXXXXX, which was returned via XXXX in error because I have overdraft protection. Once I was made aware of this bank issue and was advised via my bank that Ford was retrying the payment, I made a cash payment to Ford on XX/XX/year> through XXXX, which clearly stated in a note, THIS PAYMENT IS FOR THE RETRY PAYMENT. The cash payment covered the {$560.00} payment on XX/XX/year>, and if the retry payment cleared my bank, no late payment would be made to the account. This happened because I made a separate payment to cover the retry, and your systems were on track with the initial transition and ignored the fact the {$560.00} payment was for the retry payment that was attempted on XXXX 

I have had loans from all the major Captive Finance companies, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Ford Motor Credit has provided the best customer service.

. Please review my account history and correct this error by removing the late payment from my credit report. 

This incorrect information is negatively impacting my credit score, and I am seeking your prompt assistance to resolve this matter. Please provide a written confirmation once this error has been corrected.

I appreciate your attention to this matter and look forward to your swift resolution.

Thank you for your cooperation. 

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

I submitted a letter to the Credit Bureaus to delete these suspicious 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite our previous correspondences and the efforts made thus far, it appears that the fraudulent items have not been removed. 

It is imperative that we take immediate action to rectify this situation and remove these inaccuracies from my credit report. 

I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Bait and switch tactics. Loan rate clearly stated for those who meet the requirements which I do. Rate provided was not even close to the offer stated in writing. Additionally they placed a hard inquiry which lowered my credit score that will now hurt my rate provided by legitimate lenders. If a company puts a rate in writing, states requirements and then offers something completely different is unethical and should not be permitted, Rategenuis did just that, bait and switch.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with CREDIT ACCEPTANCE CO Opened XX/XX/2016. I have always made my payments on time yet there was a 30-59 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  and XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX XXXX requesting payment on behalf of XXXX XXXX not only for the debt but additional costs to keep this out of court. I agreed to pay a settlement amount of {$590.00} ( original debt was {$370.00} ). I paid it ( bank statement shows as Debt Solutions ) but later that day I received an email from them saying the amount was {$500.00}. I emailed them back asking for the payment amount to be adjusted but received no response. Today XX/XX/XXXX, my husband and daughter received calls stating that there was pending legal action against me and I needed to call XXXX and my file number was XXXX. I called back and spoke to XXXX XXXX and although she was very nice she told me that the balance was {$340.00} but they were suing me for Brach of contract and an attempt to defraud using an FDIC bank and would have to pay {$2600.00} if it went to court. I told her it was paid and I explained that I was at work and the proof as at home did I have time to get that documentation together and she couldn't really answer that question so agreed to pay it and take it up with XXXX XXXX. I have made multiple attempts to contact them by phone but when I do it tells me to enter the last 4 digits of my SS # and after multiple tries it tells me this has been turned over to a 3rd party please contact and it doesn't actually say a company name just if I think it is an error press zero so I do and it either disconnects or tells me they are closed. I also attempted to contact them via email. I have proof of both of these payments ( as well as the payoff information on a line of credit I just paid out with them ). I also went back online to verify the 1st payment to XXXX & XXXX/Debt Solutions this evening to be sure I was not mistaken on who that was for and it is definitely XXXX XXXX that I made the XXXX payment for and now it shows a credit balance of {$220.00} and says the settlement offer is {$250.00}??? I have copies of that as well.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute an inquiry on my credit report that I believe to be unauthorized and in violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ). The inquiries in question appears on my credit report under the name of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] needs to be deleted immediately XXXX 
Upon reviewing my credit report, I discovered this inquiry, which I did not authorize nor have any association with. As per the FCRA, access to my credit report is only permissible for specific purposes outlined in 15 U.S. Code 1681b, and I have not granted authorization for this particular inquiry.

I request that you promptly investigate this matter and provide me with detailed information regarding the source and purpose of the inquiry. Additionally, I demand that this unauthorized inquiry be removed from my credit report immediately, in accordance with the provisions of the FCRA.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, as well as any supporting documentation relevant to this dispute.

I expect your full cooperation and prompt resolution of this matter within the time frame specified by law. Please inform me in writing of the results of your investigation and any actions taken to rectify this issue.

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

Been a victim of the data breach and would like info blocked or deleted my FTC REPORT NUMBER IS XXXX report number
Product: Consumer Loan

This company by the name of Honor Finance has been continuously reporting inaccurate information to all three major Credit Bureau. I have filed several disputes asking all CB to delete this inaccurate information based on the grounds that this company has not provided myself or the CB with sufficient information as requested. It has been 7 months now, extremely past the allowable time in which the creditor has to respond to my request of information and validation of debt, in accordance with FDCPA. At this time this company is in violation under FDCPA section 809 ( B ). The derogatory information thats being reported is stopping me from advancement in my career.