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

I am writing to file a formal complaint against Equifax for its repeated failure to conduct a thorough investigation into inaccurate items on my credit report and incorrect personal information, despite multiple dispute letters sent on various occasions. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I diligently submitted dispute letters to Equifax, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts, I did not receive any response from Equifax with the investigation results. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, such as Equifax, must conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. Equifax 's repeated failure to conduct such investigations is a violation of my consumer rights under the FCRA. 

Enclosed, you will find a copy of the dispute letters I sent to Equifax as proof of my efforts to rectify inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on EQUIFAX, XXXX, and XXXX 

I would like all the names, phone numbers, and addresses along with removing any co applicant or spouse from my report My only name is XXXX XXXX My only phone number is XXXX My only address is XXXX XXXX XXXX XXXX, Ohio XXXX My only employer is XXXX i am self employed. 

There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Product: Credit reporting or other personal consumer reports

GENESIS MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my consumer report and noticed that Genesis has reported a debt on XXXX which is causing me harm. 

According to 15 USC 1692cc this is a violation of the law. If a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication. Reporting to the consumer report is a form of communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XX/XX/XXXX XXXX - XXXX - {$2200.00} XX/XX/XXXX XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - {$4900.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news  about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Department of education isn't reporting original loan amount of $ XXXX instead they are reporting the balance as the original loan amount. This is a installment loan and should reflect all loans and consolidations inclusive of the 43 loans that were recently consolidated from XXXX XXXX from XXXX to XXXX, before then it was XXXX XXXX, and XXXX XXXXXXXX from XXXX. Those banks are missing from the report all together and it has not been 10 years since the activity of Consolidation.
Product: Credit card

I received my billing statement in XX/XX/XXXX from Luxury Card MasterCard, issued by Barclays, that contained 4 charges that I didn't recognize. I called Barclays ' dispute department and they readily reversed the charges whilst they were investigating the fraudulent charges. Now, yesterday, I received a letter from Barclays ( attached ) that claims that they have determined that the activity was valid because the card was " in my possession and chip card technology was used, which can not be counterfeited ''. As such, they state that they are reversing the provisional credit, which I will be required to pay. I called the Barclays dispute department again this morning and reminded them that the four ( 4 ) charges in question were made on XX/XX/XXXX in XXXX XXXX, New Jersey. Neither my wife or I have EVER been to XXXX XXXX. Also, my wife and I have not traveled to New Jersey in over 30 years. How could I have possibly made these charges? Furthermore, I told the lady at the dispute department that my wife and I were celebrating XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) at XXXX XXXX XXXX restaurant ( owned by XXXX XXXX ) in XXXX, FL. This can be confirmed and verified by the XXXX XXXX of the restaurant along with at least XXXX other couples that were present. The dispute department issued me a case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide ACCURATE information. It is PROHIBITIOn. Reporting information with actual knowledge of errors. A person SHALL not furnish any information relating to a consumer to AnY consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate. Duty, accurate and prohibition. 15USC 1605 determination of finance charge. According to the IRS any cancel debt must be file form 1099c. The IRS defines cancel debt as a XXXX, XXXX does not reported on consumer report which in fact makes the company of this account inaccurate. Reporting information after notice and confirmation of errors. A person SHALL NOT furnish information relating to a consumer to any consumer reporting agencies. 
The continuing reporting of this information is a clear violation of Law 15 usc 1681s-2 of your responsibilities as a furnisher of information and 15USC 1681q obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a cunsumer reporting agency under false pretenses SHALL be FINED under Title 18imprisoned for not more than 2years or both. Experian even they received my written letter on XX/XX/2022 at XXXX tracking number XXXX explaining everything, they are still made an update today XX/XX/2022 XXXX. You were also put in notice ANY person meaning The consumer reporting a bench, who knowingly willfully reporting inaccurate information is violating the LAW. Failure to respond to this factory with deletion of the all charge offs will result in legal action being taken against the consumer reporting agencies for which I will be seeking {$1000.00} for violations. 15USC 15suits by Person injured. Defamation of character, negligent non compliance, civil liability and mental anguish.
Product: Checking or savings account

Hello my name is XXXX XXXX. On XX/XX/2023 I called my financial institution Navy Federal Credit Union. The reason for this call is because I had called the Financial institution 2 times previously in regards to a check I had deposited being out on hold. A supervisor and a regular support staff both had told me my funds would be available today on XX/XX/2023. However when opening my bank app I noticed the money still has not cleared my account. I decided to make a call to Navy Federal again on XX/XX/2023. It was then when I was met with the upmost rude customer service I have ever received from a financial institution. The representative was back talking and talking with a very rude attitude in her voice. She had told me that I WAS LIED TO and that the funds now would not clear until tonight at midnight. Making the hold of my funds 6 days. 1 day beyond what federal law allows. The bank then justifies that since it is processed at midnight the funds are technically made available on the XXXX day even though midnight would make it the XXXX day. I then asked to speak to a supervisor, I was put on a very long hold. After this long hold a supervisor named XXXX had come into the line. She sounded very nice at first however when I made a complaint she instantly retaliated and went on defense mode with a rude mannered attitude like the previous representative and did absolutely nothing to help. Navy federal credit union has been purposely holding all of its account holders funds for long periods of time and not giving and written communication about funds being held within the whole duration of the 6 days holding your funds when federal law requires written notice witching XXXX business days. Navy federal deliberately hold funds from account holders for long periods of time with no written explanation costing accounts thousands per year in late fees and additional interest due to not having access to their funds.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Mortgage

* The reporting of a 30 day late payment in XX/XX/2019. 
* Payment was time stamped as verified by Caliber agent on XX/XX/2019. 
* Calibers 's payment system automatically " posted '' the payment for XX/XX/2019. 
* This posting ( not payment ) caused as thirty day late.
Product: Debt collection

NOTICE : NEW INFORMATION. 

I would like to put this on the record in the event this becomes a legal matter in Federal Court.

I am a Consumer a natural living man pursuant to 15 USC 1692a ( 3 ).

I am the ORIGINAL CREDITOR the ORIGINATOR Pursuant to 15 USC 1692a ( 4 ).

I would like to clarify and put ADVANCE AMERICA and its representative/agents on NOTICE for FRAUD or FRAUDULENT activities or deceptive and misleading business practices and could result in Legal Actions under title 18 and other Federal Laws. 

ADVANCE AMERICA is in violation for failure to provide or produce an AUTHENTICATED RECORD OF ACCOUNT as requested and required under law to provide or produce for ANY claim. Any FALSE CLAIM may result in legal actions under the False Claim Act pursuant to 31 USC 3729 ( a ) ( 1 ) ( A ) ( B ) and 18 USC 286- Whoever enters into any agreement, combination, or conspiracy to defraud the United States XXXX or any department or agency thereof, by obtaining or aiding to obtain the payment or allowance of any false, fictitious or fraudulent claim, shall be fined under this title or imprisoned not more than ten years, or both. 

On XX/XX/22 a dispute was conducted for proof of claim by producing or providing to consumer an AUTHENTICATED RECORD OF ACCOUNTING. 

On XX/XX/22 ADVANCE AMERICA responded with NO PROOF or DOCUMENTARY EVIDENCE or an AUTHENTICATED RECORD OF ACCOUNTING. 

ADVANCE AMERICA failure to respond within 30days is a violation under law. However, with good faith an extra 10 days was given so that ADVANCE AMERICA in good Faith would produce or provide my request for an AUTHENTICATED RECORD OF ACCOUNT to prove their claim. ADVANCE AMERICA responded in 84 days and still did not provide or produce ANY documentary Evidence of ANY AUTHENTICATED RECORD OF ACCOUNT regarding claim against consumer. 

For the record A response was given by ADVANCE AMERICA on XX/XX/22 with NO NAME or representative on the note or letter. Please provide me with a NAME of the person who responded back to me on XX/XX/22 so that I can hold that agent or representative of ADVANCE AMERICA liable in the event this goes to Federal Court for violating my consumer rights.

I am demanding ADVANCE AMERICA to zero out this account and remove my personal and private information from ANY and ALL 3rd party affiliate companies such as XXXX XXXX XXXX. ADVANCE AMERICA is in violation under federal laws pursuant to 15 USC 168g ( 11 ) Transferring my identification or financial information or my information has been used or transferred ( or has been alleged to have been used or transferred ) without my authority or consent of the consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. 

If this is not resolved within ( Ten ) 10 days, I will be holding the President, Vice President, and Chief Financial Officer liable for defamation, Harassment, mental anguish and punitive damages in Federal Court.
Product: Debt collection

QWR and DVR and Complaint. According to computer generated respond, a hedge fund XXXX XXXXXXXX XXXX ( under XXXX XXXX XXXX  and XXXX XXXX executives leadership ) who own some " servicing rights '', acted under glimpse of XXXX XXXX XXXX XXXX XXXX and insisted that effective XX/XX/XXXX, the servicing rights for the alleged " Loan '' were released from XXXX XXXX XXXX and transferred to XXXX XXXX processed payments, credits, charges, and advances while it was servicer for the Loan. 

Please identify WHO released servicing rights from XXXX to XXXX [ the name of the Company and its individual responsible representative ] and for WHOM XXXX collected and processed my payments between XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX A ) XXXX
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 followin
g items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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 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

This morning I got an alert from XXXX credit monitoring stating I got a new Hard Inquiry on my report from Capital One. I know I did not apply for Capital One so that's what made me look into my credit report. I also noticed a few others that is on my Hard Inquires. I called & spoke with all 3 bureaus to dispute, all three is on it. It's not only fraudulent but can it be removed as well? Please advise, thank you.
Product: Credit reporting or other personal consumer reports

I am completely fed up with the inaccuracies on my report. My score has taken a hit because of these mistakes, and I am losing out on opportunities Ive worked hard to earn. It is beyond frustrating to have to keep fighting for something as basic as a correct report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Product: Credit card or prepaid card

I received a notification that I could use my Best Buy/Citicard for 6 months no interest. The email did not indicate it was only at bestbuy. They also email people and indicate higher rewards for a specific time frame which they do not honor. I spoke to an individual today whose name was XXXX ( or so she said ) and apologized for the misunderstanding. There is no misunderstanding. It's intentional fraud. I can not talk to the issuer Citibank as they have relinquished all servicing to BestBuy.