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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

accordance with the Fair Credit Reporting act XXXX Account # XXXX Office Of attorney general, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Formal Dispute of Charge-Off Under FCRA & Privacy Rights Dear TransUnion I am writing to formally dispute an inaccurate charge-off appearing on my credit report. The disputed account information is as follows XXXX XXXX  Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this charge-off, as I believe it is inaccurate, unverifiable, or misleading. Please provide evidence validating the legitimacy and accuracy of this charge-off, including original creditor records proving my contractual obligation to this debt.

Furthermore, under 15 U.S.C. 6802, financial institutions are prohibited from disclosing personal financial information without consumer consent. If this charge-off resulted from improper information-sharing practices, I request its immediate removal due to potential violations of my financial privacy rights. 
I request that you complete this investigation within 30 days as required by federal law and provide a written response upon completion. If this charge-off can not be properly verified, I demand its immediate deletion from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ).

Enclosed are copies of my identification, credit report with the disputed item highlighted, and any supporting documents. Please update me on the status of this dispute at your earliest convenience. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I've sent repeated emails trying to contact this company. I notified them of my veteran status, yet they continue to charge the 152 % + in interest. I've filed for bankruptcy, and have had to seek help from VA because of XXXX XXXX. I am trying to call, and no one is responding to my calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I was a victim of identity theft when one or more unknown individuals opened an account with XXXX ( XXXX ) using my identity without my knowledge or authorization. XXXX identified the account as fraudulent and promptly closed it. I then followed all the steps to report this as a fraudulent account ( including, filing a police report and providing XXXX with all of the requested identifying information ). On XX/XX/XXXX, I was finally notified by XXXX that my claim was resolved. Specifically, in its email to me, XXXX stated : " We've investigated your claim and determined that you are not responsible for any of the charges related to account number [ XXXX ] ... '' ( I am happy to furnish the email sent by XXXX. ) XXXX has also notified in that email that they will be notifying the credit agencies to remove the account. Notwithstanding that resolution by XXXX, the fraudulent XXXX account still appears on my credit report.
Product: Credit reporting or other personal consumer reports

Inaccurately Reported Account : XXXX XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the XXXX pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you XXXX have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy.

This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The XXXX, XXXX in the XXXX XXXX stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.
Product: Debt collection

Im currently in the process of purchasing my first home and have been working with a lender when I pulled my credit report and noticed inaccuracies on my credit file such as unknown collections and inquiries. I first tried to dispute them with credit bureaus, then the actual debt collectors. Some where removed but some were not. Below are the accounts that have refused to be removed and as a result are preventing me from receiving approval for lending. 

Per the FCRA 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Acct # XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX {$350.00}
Product: Credit card or prepaid card

Chase is refusing and not honoring the sign up bonus of 150,000 points. I am suppose to get : 125,000 after spending {$3000.00} in the first three months, then an additional 25,000 points after spending {$5000.00} in the first six months. On XX/XX/2022 I received my Chase Marriott Bonvoy Credit Card. Chase had this promotion referenced above however while waiting for my points to post I noticed that Chase has me registered with the incorrect sign up bonus ; instead they gave me three 50K point vouchers for hotel stays. On XX/XX/2022 more or less I reported this immediately to customer service and they told me they will submit a claim to the promotion department to have this corrected. Today XX/XX/2022 I received correspondence from Chase that I am not eligible for the bonus offer. This is a major oversight with Chase. I have reached out to them numerous times to review and discuss this matter and all the representatives I speak to are all in agreement with me and have taken initiative to report this discrepancy to the responsible department, however they are not assisting or correcting this matter accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has wrong address on file I asked them to remove it they said its accurate it is not
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft! 1. The creditor was not authorized NATIONAL CREDIT SYST Date of opened account : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I have requested XXXX credit reporting agencies to update my personal contact information with name and address which is showing incorrectly. I am asking for help to contact the credit bureaus
Product: Debt collection

I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've reached out to these companies and have not received any type of feedback.
Product: Credit reporting or other personal consumer reports

I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Delaware Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to officially dispute a reinsertion of an account that has previously been deleted due to I correctly verifying that I have been an victim of identify theft. I became in awareness of the account added to my consumer report that I have not been notified of why this account has been reinserted. I request an immediate investigation into this matter and I demand that the account be removal from my consumer report. In pursuant to 15 USC 1681 ( i ) ( 5 ) ( B ) ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, I never received any notification within the 5 day span nor authorized anyone to included this account within my consumer report as pursuant 15 USC 1681i ( B ) ( ii ), which is in direct violation of my consumer rights. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. In addition, the provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Also, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. Account : XXXX
Product: Credit reporting or other personal consumer reports

I was never 30 days late making a payment on this account and I was not notified by mail 21 days before the payment due date. The furnisher did not provide documents upon my request regarding a reinvestigation of this inaccurate reporting. This error on all three credit report agencies. Experian is in violation of the Fair Credit Reporting ACT 15 U.S Code166 ( b ) Time to make payments.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian based on their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681C ( c ).

I have disputed errors on my credit report with Experian multiple times, but despite my efforts, Experian has not properly investigated my disputes, nor have they corrected or removed the inaccurate information. This has resulted in harm to my ability to access credit, housing, and employment opportunities. Specifically, I have experienced [ mention any specific negative impacts, like being denied credit, being unable to rent a home, or losing out on job opportunities. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your time XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is my Rebuttal Letter Reply to NetCredit on XX/XX/23. To : XXXX XXXX XXXXor anyone on the compliance Department of NetCredit, I come to you in Good faith and Honor to rebuttal such claim you made about your not on any violation of any wrong. Well I consider that " hear said '' that you as a company that in regular basic do consumer credit transaction Extend My own Line of credit not yours, their actually Laws that said you are in violation and theirs Fines to pay if you don't comply with it, unless you show me in the Law that your right and I'm wrong on " subject matter '' everything you said is false, misleading and theirs violation for it. Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning every time some identity make a report as a late payment, miss payment or default on someone credit report is false, misleading and a violation under 15 u.s.c. section 1681n and penalty of {$1000.00}. So if their is not late payment or default, because is excluded, what are you claim it that I own you guys the Debt? # 1 : Right now you claim their is 7 late payment or default, that means I have {$7000.00} that NetCredit own me, please send me the whole amount to my address. # 2 : send me the " Original Agreement '' on the Security Interest that you claim I'm own debt on it. # 3 : Under 15 u.s.c. section 1666d : treatment of Balance said, Any amount over {$1.00} on balance account, whenever a consumer credit transaction owed to obligator, a creditor shall- credit, refund and Good Faith refund to consumer by cash, check or money order any part of the amount of the credit balance remaining in the account for more them six months.
Product: Credit card or prepaid card

My credit was fraudulently used with discover bank it was not me and I need this resolved
Product: Debt collection

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX as listed on my credit report. They did not provide me with the original contract as requested.