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

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX Account NumberXXXX My data was affected by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE SENT NUMEROUS TIME MY IDENTITY THEFT REPORT TO EQUIFAX REQUESTING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. I do not have a contact with this company! THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE WITH TWO DIFFERENT AMOUNTS ( {$300.00} & {$530.00} ).
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I am in the middle of trying to get my home refinanced through Chase. When I got their letter on my " credit score '' it was only XXXX ( per them that was the score from XXXX ). I contacted XXXX and per them my score was XXXX ( it is now XXXX as of today XX/XX/2016 ). Before contacting Chase I asked several banks and credit unions about it being different. Per all of them it should not be. When I called Chase to ask why it was different, per them, the credit score is different for homes then it would be from a regular report. A different of over XXXX points would effect my loan dramatically. Again Chase is trying to rob me of my hard earn cash and prevent me from refinancing my home. 

The last time they messed up my loan I complained to the CPA and quickly got a call from Chase saying they were investigating it. Later they said they found nothing wrong with my loan and escrow. However, all of a sudden my escrow was only {$900.00} short instead of the {$1600.00} they first insisted it was.
Product: Payday loan, title loan, personal loan, or advance loan

I pull my credit report from experience and noticed that I had a account on there from XX/XX/XXXX that has been closed and charged off so I called and asked if they could remove it off my credit report and they said it would have to stay on there for seven years when I know thats not right
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony/Belk is falsely reporting to the bureaus that I have a balance with them on a charged off account. They have not reported to the bureaus they transferred/sold this account almost a year ago. They continue to report to the bureaus that I have a balance with them that they have charged off. They did not notify the bureaus that they do not own the account and they did not notify me in writing of the creditor to whom they transferred/sold the account. I also wrote to the bureaus to request they delete this account based on inaccurate reporting but the account is still being reported. They are in violation.
Product: Debt collection

first noticed text message from sunrise credit collection company around XX/XX/XXXX. I may have receive earlier messages or phone calls but did not notice. they stated I had a debt collection with them and to click the link that they provided. I receive a lot of scams and a lot of telemarketing, so after I googled and finding out what they are for, as I have no reason to have debt collection, I assumed it to be fraud esp, about 80 % of XXXX stated they were. I continued to receive text after text and I believe a couple months later, I googled their website, and inquired for more information, I provided email and mailing address, but, as of XX/XX/XXXX, I have received no information. has since deleted text messages so do not have exact number, but it was enough I blocked the text message number and deleted all messages as of XX/XX/XXXX, I checked my call logs and noticed a blocked number had repeatedly called me since XX/XX/XXXX. googled number, likely associated to sunrise. however, when you look up the companies official number on the website, the numbers do not match ( again, makes it likely for a scam call ). call logs states they called XXXX since XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX i called XX/XX/XXXX to confirm what it was about, and heard autobot stating this was sunrise credit company.
Product: Debt collection

I DISPUTE THIS ACCOUNT WITH ALL XXXX CREDIT BUREAUS. THIS CREDITOR REPORTED IT AS ACCURATE AND STILL REMAINS ON MY CREDIT REPORT. I ASK FOR VALIDATION AND TO THIS DATE HAVE NOT RECEIVED ANYTHING. ACCORDING TO SC LAW UCC-5 AND STATE RISA AND MVISA STATUES A DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN AND ALL OF THE ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERE. 
I ALSO ASK IF THEY WAS LICENSE TO REPO. THEY DID NOT FILE A POLICE REPORT AS WELL. 
I NEED THIS ACCOUNT DELETED FROM ALL XXXX CREDIT BUREAUS ASAP!!! IF NOT I WILL SUE $ 1000/VIOLATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING AN ALLEGED DEBT TO MY CREDITOR REPORT AS THE COMPANY IS STATING I OWE A DEBT THAT DOES NOT EXIST. I PUT DOWN A SECURED {$400.00} for CREDIT CARD AND NEVER RECEIVED A DEPOSIT BACK AFTER 6 MONTHS, ALSO XXXX HAS REVERSED THE ACCOUT INTO A NEGATIVE BALANCE OF {$830.00} DOLLARS. XXXX XXXX IS PRACTICING UNLAWFUL ABUSIVE BEHAVIOR TOWARDS ME AS A CONSUMER ACCORDING TO 1026.11 - Treatment of Credit Balances ; Account Termination Paragraph 11 ( a ) ( 3 ) XXXX. Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. 

XXXX. Good faith effort unsuccessful. Section 1026.11 imposes no further duties on the creditor if a good faith effort to return the balance is unsuccessful. The ultimate disposition of the credit balance ( or any credit balance of {$1.00} or less ) is to be determined under other applicable law. 
11 ( b ) Account Termination Paragraph 11 ( b ) ( 1 ) XXXX. Expiration date. The credit agreement determines whether or not an open-end plan has a stated expiration ( maturity ) date. Creditors that offer accounts with no stated expiration date are prohibited from terminating those accounts solely because a consumer does not incur a finance charge, even if credit cards or other access devices associated with the account expire after a stated period. Creditors may still terminate such accounts for inactivity consistent with 1026.11 ( b ) ( XXXX ). 

11 ( c ) Timely Settlement of Estate Debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a dealership with my own financing and XXXX XXXX XXXX finances my vehicle. However my credit was ran like 30 times by the car salesman and I did not give written consent for each individually company to do that. XXXX  XXXX XXXX XXXX appears on my transunion report 17 times all days apart amongst other auto finance companies whom I did not give consent. These inquiries appear as follows ; XXXX- XXXX  XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the subsequent submission of supporting documentation, I have noted that the fraudulent entries are still present on my credit file. 

I previously reported these fraudulent items. Regrettably, upon reviewing my updated credit report dated [ date ], I discovered that the fraudulent entries persist, negatively impacting my creditworthiness and financial well-being. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

I urgently request that you conduct a thorough and impartial investigation into this matter, carefully review the provided evidence, and promptly rectify the fraudulent entries on my credit report. It is imperative to stress that these inaccuracies are causing severe harm to my credit standing, and their removal is crucial for my financial security. 

If additional information is necessary to expedite this investigation. I expect a swift and equitable resolution to this issue in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently went to purchase a car and the person that was helping me said that I was only receiving a soft inquiry and while she was telling me that I received multiple inquiries from places I did not apply at. I was so upset I never went threw with the car purchase.
Product: Credit reporting or other personal consumer reports

I want this information removed from my credit report Ive as and put in complaints this account was opened fraud from someone years ago again still have on credit went to court and still showing opened I need it removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sending this report because I have many problems with the fraud I found on my credit report i don't have any relation with the fraud accounts I listed those accounts not mine they are wrong information they have everything on their file is some one used my information and used.
Product: Debt collection

Us Dept of Education/Navient has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the incorrect details from my credit report.
Product: Debt collection

I have still yet to see Navy Federal fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agenc regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

I was mislead with the contact and start of my loan. I was provided a quote over the phone while completing the application online. When I submitted the application, the interest loan amount increased over 1 % from what the call center mentioned on the phone.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal from Collections Due to XXXX Data Breach Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of the XXXX data breach on my financial standing. My personal information was compromised during this breach, which has adversely affected my credit and led to the involvement of several collection agencies. 

Specifically, I am requesting immediate removal from the following collections : - **XXXX XXXX** - **XXXX XXXX XXXX** - **XXXX XXXX XXXX** - XXXX XXXX XXXX - XXXX XXXX XXXX** Due to the unauthorized access to my personal information, I believe that these collections are a direct result of the breach and do not accurately reflect my financial behavior. I have taken steps to secure my identity and have reported the breach to the appropriate authorities. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) Acorrding ( why this matters ) UCC Article 9-625 Section A Stat In accordance to the Fair Credit Reporting Act XXXX XXXX  the following instutions : XXXXXXXX XXXX XXXXXXXX, XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Nonpublic personal information refers to any information about an individual that is not publicly available and can be used to identify that individual or their financial transactions. This includes : 1. Personally identifiable information such as name, address, Social Security number, date of birth, and driver 's license number. 
2. Financial information such as account numbers, credit and debit card numbers, transaction history, and credit scores.

3. Information about an individual 's financial behavior such as account balances, payment history, and credit inquiries.

4. Information about an individual 's relationships with a financial institution, such as account ownership and beneficiary information. 
In general, any information that is not readily available to the public and can be used to identify an individual or their financial transactions is considered nonpublic personal information. Financial institutions have a duty to protect this information and use it only for legitimate purposes, such as processing transactions or providing services to the customer.
Product: Credit reporting or other personal consumer reports

XXXX score is affected because they are reporting me as having too many inquires but I inly gave one inquiry! I need to have this code XXXX removed. Thanks
Product: Debt collection

Franklin Collection Services put the collection in XX/XX/2019 and I did not aware of it until XX/XX/2019. On XX/XX/2019 Franklin Collection Services received my request of validation of an account XXXX. I have not received a response. I made multiple good faith communication to receive the certified letter requesting validation of an account on XX/XX/2019 and every 5 business days atfer. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XX/XX/2019 they are still reporting account on my credit. Which puts them in violation of various state collection laws. I am making every effort to resolve this matter without presenting this matter in court.

On XX/XX/2019, I requested a written agreement to delete the claim from my credit if I made the payment. After being transferred to the manager, he could not represent the detail of the account. He mocked me by saying he maybe will write that letter. I want to verify what he means by maybe. He replied that he maybe write it next week, next month, or whenever he wants to. He also stated that my couple hundreds dollar will not break his company. On XX/XX/2019, I made 2 phone calls to Franklin Service since XX/XX/2019 is the week after the supervisor promised to write the letter. After being and transferred and stated my name, the supervisor hung up immediately. The next call was transferred to voicemail.