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

I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

I looked at my account and noticed inquires I contacted them on XX/XX/2022 asking them to validate this information I made them aware that this was also fraud I was told it would be removed and it still remains on my records also addresses that were not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS IN BREACH OF THEIR FIDUCIARY DUTY AND ARE IN NON COMPLIANCE FAILING TO EXERCISE THEIR GRAVE DUTIES WITH ACCURACY, RESPECT, AND INTEGRITY AS DEMANDED BY CONGRESS. EQUIFAX HAS BEEN PUT ON PROPER NOTICE OF THEIR BREACH WHICH HAS INFRINGED ON MY PURSUIT TO HAPPINESS DEFINED UNDER THE CONSTITUTION AND PERFORMED UNSAFE BUSINESS AGAISNT THE CONSUMER VIOLATINGTHE FCRA  AND  MY BILL OF RIGHTS FOR FURNISHING INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS TO BE EXCLUDE! 15 USC 1681a(1)(2). THE INFORMATION BEING REPORTED ARE ACCOUNTS THAT ARE CLOSED AND OR CHARGED OFF THAT DO NOT RELATE TO THE PURPOSE OF CREDIT, INSUARTANCE OR EMPLOYMENT. CREDIT IS THE RIGHT GRANTED. THESE ACCOUNTS BEING REPORTED LEAD ME TO BELIEVE IS TO COERCE ME TO MAKE PAYMENTS TO FALSELY PLACE THEM BACK IN THE POSITIVE STANDING. CONGRESS CLEARLY STATED THESE ACCOUNTS BE EXCLUDED FROM A CONSUMER REPORT FOR THAT EXACT REASON. CLOSED & CHARGED OFF ACOUNTS ARE NOT TO BE REPORTED (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX IS IN WILLFULL NON COMPLIANCE. I IS NOT A  REQUEST VERIFICATION OR A REINVESTIGATION BUT A DEMAND TO PERFORM ASCCORDINGLY WITH RESPECT TO THE CONSUMER AND FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of an outstanding debt related to a fraudulent account established with SYNCB/XXXX XXXX in the amount of collection is {$6300.00} dollars. An official dispute of this account was sent to SYNCB/XXXX XXXX   XX/XX/2018 however as of this date SYNCB/XXXX XXXX has not replied or responded to the dispute which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. 
I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit, also has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT. EQUIFAX FILE CONFIRMATION # XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting 4 delinquencies on my report when I am on a payment plan. I have reported them to the credit bureaus for this misinformation whereas one the credit bureau closed the acct. XXXX is definitely reporting is false information. I am filing a complaint for malpractices against the company for falsifying information that is damaging to my credit. My acct balance shows that any of my payments is being adjusted to balanced owed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XXXXXXXX  Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX RE : Debt Validation Request for Account # XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 
Dear Portfolio Recovery Associates, I am writing to formally dispute the alleged debt associated with account number XXXX, which you claim is owed to Portfolio Recovery Associates. I do not recognize this debt, and therefore, I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all the necessary information to validate this debt, including : 1. Proof of the Debt A detailed itemization of the debt amount of {$530.00}, showing how it was calculated, including any interest, fees, or other charges that have been applied. 
2. Proof of Ownership and Assignment Since you are not the original creditor, I request documentation proving that you have been legally assigned this debt. This must include : o A copy of the contract between XXXX XXXX XXXX  XXXX XXXX. and Portfolio Recovery Associates demonstrating that the account has been legally transferred or assigned to your agency. 
o Full documentation showing the chain of custody or assignment of this debt, from the original creditor to you. 
3. Proof of Standing I request a copy of the original agreement or contract with XXXX XXXX XXXX  XXXX XXXX. that I allegedly signed, showing that I am legally obligated to repay this debt. Additionally, please include the date of the last payment made on this account. 
4. Cease Communication via Phone Please cease all phone communications with me immediately. Under the FDCPA, 15 U.S.C. 1692c ( c ), I request that any future communications be made only in writing to the address listed above. 
Until this matter is resolved, I also request that you refrain from reporting this account to any credit reporting agencies. If you have already reported it, I expect this information to be removed immediately until the debt has been validated. 
Failure to provide sufficient and verifiable documentation to prove the legitimacy of this debt within 30 days of receiving this letter will result in further actions, including, but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states attorney generals office. If the debt can not be validated, I will demand its permanent removal from my credit report and reserve the right to pursue legal action for any violations of the FDCPA or Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations.We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEE ATTACHED PDF
Product: Checking or savings account

On Saturday XX/XX/XXXX chime suspended my account I've spent multiple multiple multiple documents trying to get reopened and then skip give me the runaround I can not get my account open and I can not access any of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed that you are reporting unauthorized inquiries on it. 
I have contacted the following Creditors below and they have no proof I Initiated these inquiries, no written authorization and have failed to provide reason for them reporting the inquiries on my credit report. 
According to Section 604 of the Fair Credit Reporting Act Permissible purposes of Consumers Report 15 U.S. Code FCRA, 15 U.S.Code 1681B In general. Subject to Subsection, any consumer agency may furnish a consumer report under the following circumstance and no other. 
( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by consumer. 
Under 15 U.S.Code 1681i, Paragraph ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general. If, after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The Following Inquiries are Unauthorized : XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/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  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX LA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Someone applied for a credit card and purchased a laptop with my information and had it sent to their address.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : ( XXXX ) XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA XXXX that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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

I want you to be advised I contacted the bureaus multiple times on this fraudulent medical account on my report. I requested VALIDATION not verification on this " XXXX '' account number XXXX but I haven't received any update on this account. I want this fraud account remove immediately. The fact the account is fraud is my number one reason I want this account deleted. Therefore, its completely inaccurate, the dates open are inaccurate TransUnion has this account open on XXXX but XXXX has XXXX XX/XX/XXXX. Furthermore, the same company XXXX but different account number XXXX is the second fraud account on my credit report that TransUnion is reporting. I want these fraud accounts deleted off my report immediately. The date open is also inaccurate on these fraud account TransUnion reports the date open is XX/XX/XXXX. However, XXXX has the date open at XX/XX/XXXX. PLEASE DELETE THESE FRAUD ACCOUNTS OFF MY CREDIT REPORT
Product: Debt collection

Received email from XXXX saying there was a change to credit report. A collection was entered on my credit report that dropped my score below XXXX when it was previously over XXXX. Filed a dispute with XXXX end of XXXX XXXX they came back with collection agency validated the information and collection stands they suggested I contact collection agency which I did on XX/XX/XXXX2024 was informed I would receive documents within XXXX days. I waited about XXXX weeks and called back was told creditor had XXXX days to mail out this information to me. Was able to get additional information this was from XXXX XXXX into a bank, XXXX Bank, which I have no knowledge of nor did I apply for a loan credit or anything like this. This was from XXXX. Called back again on XXXX XXXX2024, spoke with a XXXX, was asked to wait on information another week called back in XXXX 10,2024 spoke with a XXXX XXXX asked me to wait another XXXX weeks and be patient because of holiday feel like Im getting the run around this is XXXX, XXXX XXXX XXXX their phone number is XXXX have not filed a police report yet because was waiting on supporting documents from this collection agency which I dont seem to be getting not sure what the next step should be