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

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my Equifax credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. 
The unauthorized and fraudulent inquiries appearing on my Equifax credit report are : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes in most cases sent me an automated email saying your investigation is complete. Meanwhile, the two other credit bureaus removed the fraudulent info but Equifax sent a robotic automated response refusing to do anything. This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable. 

Their actions are hurting me and my family massively. 

Claims/Disputes # with Equifax are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please make Equifax comply with the Fair Credit Reporting Act and remove all incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

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

To Whom It May Concern, On XX/XX/2024 I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XX/XX/2024. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-to-60-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2024. Therefore, your response was due on or by XX/XX/2024. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and one account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Product: Debt collection

I WROTE AND NOTIFIED THE TRANSUNION AND I ALSO NOTIFIED THE JUNK DEBT BUYERS 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( XXXX ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have 8 XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my Equifax Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
Product: Debt collection

I contacted Wakefield and Associates on XX/XX/XXXX about an alleged {$1200.00} debt to a hospital. I asked that they return proof that I actually owe what they claim. They have failed to produce proof in over 2 months and they are impacting my credit with claims of late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my updated credit report and found out that they still reporting the XXXX accounts that I have been disputing since months ago. These frivolous accounts are not mine and I need them to be remove from my EXPERIAN file. I am trying to reach out the CFPB now because I do not understand how and why EXPERIAN do not remove these disputed accounts, That's my big concern. I am Attaching a copy of my most recent Identity Theft Package, that I submitted to EXPERIAN a few days ago. The following accounts do not belong to me : XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ).
Product: Debt collection

Checked credit and saw an account from Merchants Adjustment Service for XXXX XXXX  XXXX  in the amount of {$120.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX. I contacted Experian, XXXX, and XXXX several of times to address this issue, which involves an account displaying incorrect information. 

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation. 

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing.

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question. 

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA.

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report.

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.
Product: Money transfer, virtual currency, or money service

I sent {$300.00} via my cash app, XXXX XXXXXXXX, to my daughter 's cash app, XXXX XXXX, for her summer college classes. The transaction was successful on Cash app, however my daughter 's cash app never received the funds. 
I reached out to XXXX XXXX which is the bank debit card that is linked to my Cash app. They confirmed the transaction was successful. The stated the funds were released to Cash app and they provided an Authorization number to provide to Cash app as proof of successful transaction. The authorization number is XXXX. 
I then spoke to 5 separate individuals with Cash app, all of which disconnected with no resolution. I provided to them a screenshot of my bank account activity, which clearly shows the transaction as well as the authorization number provided by my bank. 
All 5 individuals stated the same thing, that the transaction had been " declined ''. 
The transaction could not have been declined by my bank. My bank already sent the funds to cash app AND they provided the authorization number. 
I am not sure how Cash app can say that it's been declined? I continue to get the run around and constant disconnects so I gave up, because I am at work and I can't continue this all day. 
I would appreciate any intervention and any resolution you may encounter. 

Thank You/Awaiting Yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Back in XXXX I had tried to apply for a home loan, but I was notified that I could not get approved because there is an account listed on my credit that states it is a student loan or educational loan, and I am trying to use my VA loan to buy a house. I got a copy of my credit report and contacted the credit bureaus and asked them how I could dispute it because I do not have any student loans or educational loans and they opened a dispute. During that time I tried contacting the phone number and address that are listed on the account, showing as an educational or student loan, but the phone number does not work, it goes to a pre-recorded rewards center at click my rewards and the letter that I had mailed to the address listed on the account was returned. My dispute came back from the credit bureau, and it stated that nothing is wrong with what is being recorded, and there will be no changes made to it. I filed a second dispute because I told them it is false. I do not have educational or student loans out and I cant even get in touch with the company that is listed on the account to even speak to them about it, and the credit bureau told me, it is true and accurate and it will not change. I filed a third dispute again asking for the same result, and the report came back in XXXX that it had been updated so when I went to look at my credit report, the only thing they had changed on the account is they changed it from current terms match to a charge off but it is still showing as an educational or student loan the phone number is still incorrect and it is still the incorrect mailing address. I have no way to get in touch with these people. I have tried to get the credit bureaus to help me and they said they can not change it only get the creditor can and this has been preventing me from buying a home for the past four months because I can not get approved for a VA home loan with this false student loan showing as a collection on my credit report. I feel its completely unfair that it is being reported falsely incorrectly and no one is going to change it or help me even though the account says XXXX XXXX and it is being reported as a student loan. That makes no sense to me whatsoever but regardless, the credit bureaus are not helping, and I have no way to speak directly with the creditor on the account thats listed. When I asked the credit bureaus if they could provide true and accurate contact information to me for the account they told me what is on the account in my report is correct. I have attached pictures of whats on my report and I urge you to call that number it is not going to be a number that is the creditor for this account. I have googled the address that is listed on this account and it shows it being right next door to a XXXX XXXX XXXX, but no name listed on the building just a XXXX listing.
Product: Debt collection

dear Consumer Financial Protection Bureau : The debt collector TSI has incorrectly placed a {$2300.00} with XXXX XXXX on my credit report. 

1. I was never notified of the debt, and it was placed on my credit report without due process. Attempted to have Transworld send confirmation of notification, no response. 
2. Transworld Systems has inaccurately reported a delinquent information 3. The information submitted to the credit bureaus is inaccurate. 
4. Transworld has improperly and deceitfully caused my credit report to be severely damaged. 
5. I have attempted to request Transworld Systems to provide information on how to remove the damage and verification of the debt of {$2300.00} 6. Requested from XXXX to verify the inaccuracy of the debt and to provide sufficient evidence.
Product: Bank account or service

I opened a Citibank checking account and deposited {$15000.00} on XXXX/XXXX/16. I signed up for a bonus that would earn me {$400.00} if I kept the {$15000.00} in the account for 30 days. The bonus code is XXXX. I did leave my deposit in the account, and Citibank accidentally closed my account on XXXX/XXXX/16 with no notice. The only notice I received was the {$15000.00} check with a letter saying account was closed on XXXX/XXXX/16. I feel that I should receive the {$400.00} bonus because I did n't close the account, Citibank did for no reason, and I kept my side of the bargain when I deposited my money, and it was in the account for at least 38 days.
Product: Credit reporting or other personal consumer reports

They had all wrong information ; third party is not updating account. Adding extra fees and reporting late fees on a paid off account. Wrong address and account number is also listed incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute certain violations of the Fair Credit Reporting Act ( FCRA ) by the creditors listed below. These violations have adversely impacted my credit history and financial well-being, and I kindly request your intervention to ensure that the legal provisions outlined below are enforced. 

XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX  | XX/XX/XXXX - Account Number : N/A Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX XXXXXXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX | XX/XX/XXXX - Account Number : N/A Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) These violations have caused significant distress in my life. For instance, the inaccuracies in my credit report have hindered my ability to secure favorable interest rates on loans, jeopardizing my financial stability. As a direct result of these violations, I faced a heartbreaking situation recently. 

I was in the process of purchasing my first home, an achievement I had been working towards for years. The culmination of savings and sacrifices was on the brink of fruition. However, due to the incorrect information on my credit report, I was denied a mortgage loan that I had been pre-approved for, based on inaccurate credit scores. The emotional toll was immeasurable my dreams dashed, and the stability of my family compromised. 

I implore the Consumer Financial Protection Bureau to enforce the provisions of the FCRA and request that the following actions be taken : Conduct a thorough investigation into the violations committed by the aforementioned creditors. 
Ensure that these creditors provide accurate and updated information to the credit reporting agencies. 
Facilitate the removal of unverified and inaccurate accounts from my credit report, in accordance with FCRA regulations. 
I understand the importance of accurate credit reporting and its impact on consumers ' lives. Your intervention is crucial in rectifying these violations and alleviating the hardships I have endured due to these inaccuracies. 

I sincerely thank you for your attention to this matter and appreciate your dedication to upholding consumer rights. I eagerly await your response and resolution of these pressing concerns. 

Sincerely, XXXX XXXX