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

I hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite many correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

As I have reiterated multiple times, the presence of these fraudulent entries on my credit file is causing significant distress and negatively impacting my financial standing. It is imperative that we take immediate and decisive action to rectify this situation and restore the accuracy and integrity of my credit report. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. These items should be removed : XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXXXXXX  DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I have had items deleted from my credit report. It doesnt Show on XXXX but shows on my transunion and Equifax XXXX According to consumer law all bureaus need to report 100 % accurate information. So if XXXX deleted it why Havent the other bureaus either.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 XXXXSC 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 XX/XX/2023 to XX/XX/2023 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 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: Debt collection

ON XX/XX/XXXX I WENT TO THE EMERGENCY ROOM AT XXXX XXXX XXXX AND WAS BILL {$750.00} FOR VISIT ACCOUNT WAS SENT TO COLLECTIONS. XXXX XXXX XXXX WAS PAID FOR THE SERVICES BY MY INSURANCE COMPANY XXXX  XXXX  XXXX  ON XX/XX/XXXX. NOW COLLECTION AGENCY PENDRICK CAPITAL PARTNERS II LLC AND XXXX XXXX XXXX IS TRYING TO COLLECT ON A PAID DEBT THEY ALSO REPORTED DEBT TO ALL 3 CREDIT BUREAUS. I HAVE CONTACTED THE COLLECTION AGENCIES WITH THE PROOF DEBT WAS PAID AND THEY REFUSE TO REMOVE THE FALSE CREDIT REPORTING FROM CREDIT REPORT I HAVE TRIED REACHING OUT TO THE THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove XXXX XXXX XXXX off my credit report. 
I have send the my police report, because the Company use my identity. 
I have put Theft Alert on my credit report. 
I have did several disputes. 
XXXX XXXX is not XXXX or XXXX credit report it was report. 
Experian Costmer Services gives me a hard time. 
The Account belongs to XXXX XXXX. 
I sent them pay history. 
Experian also send my a alert that it was remove off my credit report and its not.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XX/XX/XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Debt collection

IC system inc Identity theft XXXX Collection account number XXXX Account taken out XX/XX/year> Phone number of fraudulent account XXXX I stated to them this is not me I called XXXX and told them about it. 
This is identity theft I did not take out this account with XXXX I am unable to talk with them to dispute this Amount owed XXXX XXXX said do not go on their website XXXX case number XXXX I opened a fraud case and identity theft with XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to address a matter of significant concern regarding my experience as a consumer with XXXX XXXX. 

It has come to my attention that XXXX XXXX is currently facing legal action initiated by the New York State Attorney General for allegations of predatory lending practices. Regrettably, I find myself among the victims of such practices, which transpired between the dates of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX, just XXXX weeks after purchasing the vehicle, I discovered that the dealership had been closed down. Attempting to rectify the situation, I approached XXXX XXXX, requesting a refund and the return of the car. Unfortunately, my plea was met with refusal, and instead, I found myself burdened with high payments that were beyond my financial means. 

The situation worsened when the economic challenges brought about by the Covid-19 pandemic left me unemployed from XXXX to XXXX. Consequently, I faced difficulties in meeting the financial obligations, leading to the repossession of my car by XXXX XXXX. 

In my pursuit to rebuild my financial standing, I have encountered persistent challenges in removing XXXX XXXX from my credit report. Despite a brief period where they were removed, they reappeared XXXX months later, negatively impacting my credit score. This has impeded my efforts to secure housing and hindered my ability to make significant financial decisions. 

I am currently employed and committed to improving my credit score to achieve financial stability. I kindly request your assistance in rectifying this matter promptly and ensuring the accurate representation of my credit history. 

I believe that resolving this issue will contribute positively to my efforts to rebuild my credit and enable me to make responsible financial choices in the future. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Description of Investigation Process Formal Dispute under FCRA To Whom It May Concern, I am writing to formally request a detailed description of the investigation procedures conducted regarding the disputed accounts on my credit report. Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedures used to verify the accuracy of the disputed information.

I demand this description within 15 days, as required by federal law, or the deletion of the disputed accounts if verification can not be sufficiently substantiated. The accounts in question are as follows : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Provide a detailed description of the investigation conducted to verify the accuracy of this account, including : The evidence obtained. 
The name of the source ( XXXX ) of information. 
A summary of how the investigation was carried out. 
XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) : Provide a detailed description of the investigation conducted to verify the accuracy of this account, including : The evidence obtained. 
The name of the source ( XXXX ) of information. 
A summary of how the investigation was carried out. 

If you can not verify the accuracy of these accounts, you are legally required to delete them from my credit report immediately under 15 U.S.C. 1681c-2 ( a ). I also request that your procedures and corrections adhere to Metro 2 format, ensuring compliance with industry standards for credit reporting. 

Acknowledgment Clause : I understand the importance of the acknowledgment process for my dispute. By submitting this letter, I affirm my identity and voluntarily request this investigation. All enclosed information is accurate to the best of my knowledge. 

State of California Acknowledgment ( Optional Notarization ) This letter may be notarized as a formal acknowledgment to affirm the legitimacy of the dispute process if required. Please let me know if notarization is needed to expedite the resolution.

Follow-Up Plan : If I do not receive a satisfactory response or resolution within the required timeframe, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant regulatory bodies. Additionally, I am prepared to pursue legal remedies, including claims for damages, as outlined in 15 U.S.C. 1681n and 1681o for non-compliance or negligence.

Thank you for your attention to this matter. I expect a prompt response and resolution within the timelines mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments : Copy of my government-issued ID. 
Copy of proof of address. 
FTC Identity Theft Report ( Report Number : XXXX ). 
XXXX Police Department Report ( XXXX XXXX : XXXX ).
Product: Debt collection

I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My former employer had an XXXX account that was transferred to XXXX XXXX XXXX, managed by UMB. My XXXX was transferred to XXXX in XX/XX/year>, however, the transfer process was not seamless. I did not have access to account statements until recently when I noticed that I was being charged recurring admin fees and investment fees on a monthly basis, totalling {$50.00} since XX/XX/year>. I think it's unfair that I was charged these fees without being aware of it. The company was not transparent about these fees and when I called to waive the fees, I was unsuccessful. It's not fair for consumers to be charged these reoccurring fees when they are not aware they are being charge and when the fees are not disclosed clearly and in a transparent manner. The company was not willing to resolve this matter directly with me. To resolve this issue, I would like a refund of these fees, dating back to XX/XX/year>.
Product: Student loan

I enrolled in college in 2010 got {$8000.00} in student loans and navient kept telling me ( because I was struggling to find work ) economy went bad and they kept telling me no problem we will put it in forbearance without telling me they were charging me interest like crazy. now I owe over {$20000.00} and they are constantly calling and demanding payment and I cant afford what they want I am very upset and hope these lawsuits against them put them through the same misery they have been causing the people they have extorted for the last 10 years thank you for your time
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 credit reporting companies that I have filed for XXXX XXXX due to the school I attended was closed on fraud charges. Since they closed all students were given the chance to file for XXXX XXXX. I filed in 2016 and have been waiting on US department of education to make a decision, due to it taking over 4 years there is a class action lawsuit in the supreme court I am actively a member of said class action lawsuit. Manriquez v. DeVos ( No. 3:17-cv-7210-SK ), a case that is currently stayed, pending appeal, in the U.S. District Court for the XXXX District of California. When I applied for XXXX XXXX I checked the box to have my loans be placed in forbearance until a decision by the court was made. As I keep an eye on my credit it is still on my credit reports as collection/late payments. I have uploaded documents from US department of education when I dispute these with credit agencies but am ignored. Nothing should be reported to them as a decision has not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX  XXXX XXXX, 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 XXXX  XXXX XXXX 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 Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against Rocket Mortgage / Quicken Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO XXXX, TRANSUNION AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX  THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC REPORT.
Product: Credit card

XXXX - after a XXXX stay - I was informed by the XXXX host I was being charged for some replacement items during our stay, charges were {$1700.00} Immediately disputed with XXXX - it became clear they would simply post the charge and not look into the issue XXXX - I was charged {$1700.00} on my Chase United Explorer credit card ( ending with XXXX ) XXXX - I filed a dispute with chase XX/XX/XXXX - follow up call with chase ( XXXX ), provided XXXX pg pdf documents with arguments and evidence on why the charge is bogus ( host basically updating their XXXX year old furnature on our dime with upgraded version of what they claim to be broken by us ) XX/XX/XXXX - follow up call with chase - confirmation of dispute case being filed on XXXX XXXX - follow up call with chase - confirmation provisional credit is put in - information given that merchant 's bank has 49 days ( XX/XX/XXXX ) to respond and if they fail to do so - provisional credit becomes permanent credit and issue is resolved at that point. 

XXXX - follow up call with chase. Getting information that case is still ongoing. When asked about whether any of the information given me on XXXX about 49 days is accurate - representative ( I believe XXXX? ) did not answer and basically hung up on me. 

XXXX - CFPB complaint is getting filed.