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

Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft 2.SELF/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  identity theft I provided my birthday is XX/XX/XXXX they have XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

Debt was finalized XX/XX/2016. I 've retain letter notifing that debt was paid in full. This is ridiculous and unfair.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX the company 's received notice from the consumer to remove all personal information regarding transactions and experiences between parties from all reports delivered to third party agencies. Upon their failure to comply additional notice was delivered as followed : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all our transaction and experience details from credit reports immediately and indefinitely. Your current malpractice is a violation of the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS XXXX
Product: Credit reporting

Someone from XXXX used my information to open an account with XXXX. The dispute was resolved but now an incorrect address from XXXX is on my profile. I have never lived in XXXX. I need it removed.
Product: Prepaid card

I would like to express my concern regarding the two American Express cards, each valued at {$500.00}, that I received. Unfortunately, I have been unable to use them at any location, which has caused significant frustration. I believe these cards were intended to provide a benefit, but due to their non-functionality, I am unable to access the funds. I kindly request a review of this situation and a potential refund, as I feel it is only fair to be reimbursed for the value that I can not utilize. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX has violated my rights Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights Account Name : XXXX Account XXXX XXXX has violated my rights Account Name : XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX Account # XXXX has violated my rights Account Name XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : XXXXXXXX XXXX Account # XXXX has violated my rights 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 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING COMPANY TRANSUNION HAS FAILED TO REMOVE FRAUDULENT ACCOUNTS DO TO IDENTITY THEFT FTC REPORT MADE AND LOCAL POLICE REPORT CASE NUMBER XXXX COUNTY SHERIFF DEPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transaction Act ( FACT ), 16 C.F.R. Part 602, 12 C.F.R. Part 1022, and the Dodd-Frank Act, I am writing to formally dispute the reporting of exclusionary information on my consumer credit report.

Congressional findings under 15 U.S.C. 1681 highlight the necessity for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Upon reviewing my credit report, I observed that both the consumer reporting agency and the creditor have reported exclusionary information without my consent. Specifically, certain late payments and credit utilization metrics fall under the exclusions outlined in 15 U.S.C. 1681 and 12 C.F.R. Part 1022. These exclusions apply to information solely pertaining to transactions or experiences between the consumer and the person making the report.

Late payments and credit utilization constitute information arising solely from transactions or experiences between myself and the creditor. Reporting such information on my consumer credit report contravenes the aforementioned statutes and regulations. By including this exclusionary information, your agency is in violation of the FCRA, 12 C.F.R. Part 1022, and other governing laws. Additionally, under 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or improper information to consumer reporting agencies. 

Furthermore, I have identified an account on my report, specifically the XXXX XXXX  account, which is listed as " CHARGE-OFF '' status. A charged-off account indicates a debt that has been canceled or forgiven by the creditor. Reporting such canceled or forgiven debt constitutes a prohibited form of communication of the debt, as it is no longer valid for reporting purposes under applicable laws.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is the document that I was coerced into signing in order for them to release my funds. I was told that I just need to provide this actual document to my bank and they would fax as well and my funds would be released. I asked how is this legal, I received no notification, the lady at the desk got the attorney, I asked the same question, I was given no answer. I requested to see the documentation that was " apparently '' mailed to me, she then held up a document ( she would not let me touch it and examine for myself and then I asked what the date it was mailed and she looked down and said XXXX XXXX, I then stated that is today. I drove the above document to my bank, XXXX XXXX Bank and was then told that the document has not been received via fax. I then called the attorney 's office, XXXX, XXXX, XXXX, XXXX and XXXX ltd and stated that they have not received their faxed copy. The lady was rude and stated that they faced at XXXX. The bank teller XXXX called back to the main branch and was then told that they can not accept this agreed order ( signed under duress, they would not release the levy that I had no prior warning to unless I agreed to an amount and was given no factual legal law that they had the authority to enforce a levy under. I either signed or my funds would be 100 % depleted ). The document would not be accepted to release my funds unless signed by a judge. I called the above attorney 's office again and asked why I was told that the document would suffice as is. I was verbally humiliated and hung up on. I called my workplace and said I had an emergency and personally drove to the courthouse to get a judges signature as I was told by the above said attorney 's office that an attorney from their office would be there today for another court matter and he would try to get the judges signature and they would hopefully fax the correct document to my bank today. I drove XXXX miles to the courthouse and waited. During that time I called the above stated attorney 's office to gather a time frame so I could notify my employer of my return and I was accused of " stalking their attorney at the courthouse and that the matter was out of my hands '' I was again hung up on. I chose to wait for their attorney and he obtained from the judge the proper documentation needed to provide to my bank in which I hand delivered at approx XXXX. I have XXXX children and I do not earn a large some of money and just now in my adult life have health insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian and spoke to a gentleman regarding some fraudulent inquiries on my credit report. I explained that yes some of the inquiries are mines however many are not. The gentlemen that I spoke with told me that it was close to them closing and that he was unable to assist me at the time. I am very upset regarding this information that the agent was not willing to help regardless of the time I reached out. I asked if they can be removed immediately or at least investigated to be removed. He was not willing and I need the information that fraudulently appear removed IMMEDIATELY. The following information/inquires are not mines and I have no knowledge of the information. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX XXXX XX/XX/XXXX 14. XXXX/XXXX  XX/XX/XXXX 15. XXXX/XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XX/XX/XXXX 21.XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX I have previously explained that I have been a victim before and know that my personal information is still being used.
Product: Debt collection

My car was stolen when I recorded it and did it they said in qualified they gave me this website and told me to file with you guys if it could be fixed
Product: Credit card

This is just additional information to my complaint I filed # XXXX. 

I hadn't been receiving any statements by mail or email. They said that I was. However, after bringing up these issues to Comenity I just received my first statement notification by email. Doesn't seem right that I wasn't receiving my statements monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in several times in my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXXXXXX Balance : {$8600.00}, XXXX XXXX Balance : {$19000.00}
Product: Credit card

I am invoking the Fair Credit Reporting Act ( FCRA ) The Trans Union company does not want to remove a credit card account from the XXXX XXXX XXXX bank that was reported on XX/XX/year> that it processed it with deceptive practices. The XXXX XXXX bank did not provide me with the card so that I could sign it on the back authorizing the terms and conditions. I submitted a complaint to the XXXX XXXX bank at the CFPB office with the claim number XXXX and no agreement was reached. So I am waiting for the XXXX XXXX Bank to file a lawsuit in court against me and the result will depend on whether this account should be in the Trans Union credit company.

I am also demanding that the points that were lost with other claims that I disputed and were never returned to me be returned to my credit score. In other words, they corrected the errors I have filed a complaint against XXXX about other account disputes in my favor but they did not return the points. 

I am losing the opportunity to buy a car because my credit appears to be bad. If they do not comply with these claims in the next few days I will be filing a lawsuit against XXXX for not removing the XXXX XXXX credit card account and not returning the points lost due to other deceptive accounts. For example, before these deceptive accounts were reported my credit was over XXXX so based on the Fair Credit Reporting Act ( FCRA ) I want them to return the points I lost.
Product: Checking or savings account

A checking account was open in my name on XX/XX/22 with Bank of America. I received an email notifying me that my account application was approved. 

I called bank of America and they were able to close the account and sent me information on identity theft. They notified me the person must have had my social in order to open the account.
Product: Credit reporting or other personal consumer reports

I received an alert to my credit that there we new inquiries. I have not heard of or used the banks that requested the credit inquiry. The Banks Are First Tech Federal Credit Union and XXXX XXXX I am working to correct these errors, but they are fraudulent activity.
Product: Mortgage

I recently was reviewing my credit report and have realized that since my bankruptcy was finalized in XXXX of 2011, my monthly mortgage payments are not reported on my credit report. I have been on time with every monthly payment but none of the payment are represented on my credit reports, which has dramatically effected my credit score. I have contact my mortgage company in regards to all my payments not showing up on my credit report and they have reported there is nothing that can be done on their part to fix this issue. Since, 2011 my mortgage company has changed ownership several times which I 'm sure has something to do with this issue. Since, mortgage payments have the largest effect on your credit report, this makes it extremely difficult to repair my credit score. Thanks for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. The following accounts reflect on my XXXX credit report as account status derogatory and payment status wage earner plan, which is not accurate. 

DPT EDXXXX ACCOUNT # XXXX DPT ED/XXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT ED/XXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which XXXX and Equifax, XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation wentXXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts were included in the bankruptcy. Being included in Bankruptcy means the accounts have been satisfied and paid and satisfied. Since they have been satisfied, they are NOT to be listed NEGATIVELY within my credit report
Product: Credit card or prepaid card

I have set forth all the details about my complaint in a letter sent to the credit card company. Capital One. The underlying complaint is against a fraudulent sale by XXXX XXXX. They sold me a ticket which could not be used due to Covid-19 travel restrictions. They then refused to refund my money when I told them that they had sold a ticket which could not be used. I complained to Capital One, and they rejected my request for rejection of the purchase. 

Capital One sent me a letter accompanied by 11 pages of " documents '' supplied by the merchant. However, these " documents were illegible and therefore useless to me. I have attached only Page 1 of the 11 illegible pages as a sample, but I can provide the remaining pages if necessary. Please note that I received Page 1 and Pages 3-12 of the " documents '' from Capital One ; I did not receive Page 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contrary to the following : 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer. 
Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations.
Product: Credit card

Upgrade, Inc continues to ignore requests, in writing, for an ACH Revocation. No attempt to rectify the situation has been successful. Requests for the removal of bank accounts from their systems go unanswered. There is no way to remove bank accounts from their system under user preferences on the website. Repeated requests ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) have failed to stop them from accessing my bank account without continued authorization. Multiple attempts to revoke authorization, formally and in writing, have been ignored. 

At this point, the lack of available avenues for correction lead me to consider that Upgrade has stolen my identity and is making withdrawals from my account " as me '' illegally after having been requested, told, and even warned of impending reporting to the CFPB and FBI for identity theft.

They have absolutely ignored every request without response.

Also, they artificially deflate a credit line to increase the percentage of debt-to-credit ratio without any advance warning. This creates an artificial higher and " beyond maxed out '' debt-to-credit ratio when the original debt on the card was far before the maximum credit available. This is predatory and, as it turns out, a common complaint about Upgrade.
Product: Checking or savings account

Well for the last few months starting with XXXX my account checking account and everything was hijacked with me somebody made assets some type of way into my account the bank didn't notify me until later on that week with the person already went and took money out and everything and continue on to end of XXXX early XXXX my deposits would be deposited in my account and somehow on that paperwork they're missing a whole day and then the day when my money was made available I went and got out and it's double charged me for using that money that was available for me I was inside of facility when they gave me the money out of my account so I don't know how they think it but I got my documents they're following month they did the same thing and this month they did the same thing again don't make sense I would love to have sent you proof in evidence but is in my email address so I don't know how to get there to get to you if you have an idea contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report per XXXX, XXXX  and XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.