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

I am writing to formally file a dispute against the major credit reporting agenciesEquifax, Experian, and TransUnionfor failing to properly verify and validate fraudulent information on my credit report. Despite multiple requests for investigation and removal of these inaccuracies, I have yet to receive any proper documentation proving the legitimacy of the disputed accounts with my verified signature. 

The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i mandates that credit bureaus conduct a reasonable reinvestigation of disputed information and provide verifiable proof of its accuracy. Additionally, 15 U.S.C. 1681b states that a consumer 's credit report may only be accessed with permissible purpose, and any unauthorized accounts appearing on my report are a direct violation of this law. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) requires furnishers of information to ensure the accuracy of data before reporting it to the credit bureaus. 

The accounts in question are fraudulent and do not belong to me. Each company associated with these accounts has been contacted, yet they have failed to provide any valid documentation, including my verified signature. The discrepancies in the reported information include but are not limited to : Incorrect or fraudulent accounts listed under my name Mismatched or unknown addresses associated with my profile Incorrect phone numbers and employer information linked to my report Despite my previous formal disputes and direct requests for the removal of these items, the credit bureaus have failed to take appropriate corrective action. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove inaccurate, incomplete, or unverifiable information. Since these items have not been properly verified, I am now demanding their permanent removal from my credit report immediately. 

I have previously filed disputes regarding these issues under the following CFPB report numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I urge the CFPB to investigate these ongoing violations and ensure that Equifax, Experian, and TransUnion comply with federal laws. I request immediate corrective action, including the removal of all fraudulent accounts and inaccurate personal information from my credit file. 

Please consider this my formal complaint and dispute. If this matter is not addressed promptly, I will escalate my case further, including seeking legal action if necessary. I appreciate your immediate attention to this issue and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXTo whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes.Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies.Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2023 I communicated via certified mail to Portfolio Recovery Associates , LLC on XXXX XXXX Portfolio Recovery Associates , LLC, did not respond on timely manner by XXXX XXXX Ignoring same .Company is aware and in knowledge account not mines I have nothing to do with account and I have requested a cancellation letter, Portfolio Recovery Associates , LLC, account number XXXX is inaccurate and misleading company account inconsistent Im attaching letter and documents sent to company on XXXX XXXX That company ignore to respond Account not mines Thank you XXXX XXXX
Product: Student loan

We initially requested an Income driven repayment plan in XX/XX/2023, we were immediately approved by the department of education. However the servicer told us that because the loans were in a 6 month grace period they could not be put on an income driven repayment plan ( SAVE ). We reapplied the exact date that the grace period ended XX/XX/2023 and it has not been approved. On XX/XX/2023 we called Nelnet the servicer and waited on hold for over XXXX hours to be told that they could not confirm when it would be applied.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, J.P. Morgan Chase bank reported my account as 60 days late, then on XXXX of XXXX it is being reported as 30 days late then the following month on XXXX of XXXX it is being as 90 days late leading to a charge off in XXXX of XXXX immediately after that in XXXX XXXX XXXX of XXXX there is no data available until XX/XX/XXXX which was displayed as a balance update and a Charge off again which negatively impacted my payment history, the data of this account is being incorrectly reported.
Product: Debt collection

I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX 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.

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 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: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/year>, I initiated a {$1000.00} transfer from my Capital One account to a connected external account at XXXX XXXX XXXX. The funds were withdrawn from my Capital One account six days ago, but they have not been deposited into my XXXX account. 

I contacted XXXX XXXX XXXX, and they confirmed that no incoming transfer is visible on their end. I also reached out to Capital One Customer Service, where an agent verified that the XXXX account details associated with the transfer are 100 % correct, confirming that the issue is not due to incorrect account information. However, the funds remain missing. 

During my call with Capital One, I was told that I needed to claim the transaction was unauthorized in order to recover the funds. This is not true, as I did authorize this transfer, which was intended for my own XXXX checking account. 

The fact that {$1000.00} can go missing for this long between two connected accounts is deeply concerning, and I have not received adequate support to resolve this issue. I rely on this money and request immediate assistance to recover my funds.
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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

I demand the following accounts be verified or removed immediately. 


Collections XXXX XXXX Opened XXXX {$610.00} XXXX XXXX XXXX Opened XXXX {$790.00} XXXX XXXX XXXX XXXX  Opened XXXX {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2007 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, XXXX, I am a victim of identity theft I never gave consent for consumer reporting please remove all reports on Credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, There has been some activity on my account that was never authorized by me that needs to be removed as it is fraud and never signed off by me. The following inquiries I have no knowledge of and explained to these companies and they should be removed from all credit reporting agencies. The following inquires are XXXX XXXX Inquiry from XX/XX/2021 this 100 % i never went to there store and signed anything or applied anywhere.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

I setup auto pay when I got the card, and have had no problems with payment. The other day I went to use the card and it was turned off. I called and they said it was from a late payment. The late payment was for a late payment fee. My payments are scheduled and processed by them, I have no control over an auto payment. If they have internal processing issues and charging customers late fees that is fraud. I called and the lady said that she removed the fee, it is not removed, and it is also making my rates change and cascade, I think this is a scam they are pulling. I tried calling again and waited on hold for over 3 hours before hanging up.
Product: Vehicle loan or lease

Our XXXX  XXXX XXXX  Acct # XXXX ( fully paid ) was totaled due an accident. XXXX of MI offered us {$21000.00}, which we agreed and paid from personal account towards new XXXX, financed by Honda Finance ( big mistake ). The only way to get hold of Honda Finance is thru phone, minimum 45 to 1+ hour wait. After trying 4 days finally got hold of customer service representative 15 days ago ; still waiting. 
Please have them overnight the lien release to the following address and email the copy to XXXX. XXXX will accept either, whichever is faster : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
Home Address listed with them : XXXX XXXX  XXXX XXXX XXXX, MI XXXX prefer business address above Sincerely, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. XXXX, Experian and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -DEPT OF EDUCATION/XXXX XXXX XXXX date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and am disputing the completeness and accuracy of the following information. This erroneous information is negatively impacting my report, and I request immediate correction. 

I believe 30 days is a reasonable timeframe for your investigation. After completion, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 
The disputed information is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have Federal Student loans that are in default with the Professional Bureau of Collections of Maryland, Incorporated, I have been trying to get these into a reinstatement agreement since XX/XX/2019. I had sent in the paperwork twice. First in XX/XX/2019, where I was informed the paperwork wasn't correct. However, when I asked what I needed to correct I never received anything in the mail ( which I repeatedly left voicemail messages for ). I finally was able to get someone to help ( not with PBC of Maryland ), and sent in the paperwork in early XX/XX/2019. After a couple of weeks, I contacted PBC of Maryland in early XX/XX/2019. The agent I talked with ( XXXX XXXX ), told me they received my paperwork and that I owed {$5.00} a month, but that my agreement form wouldn't be sent out to me until I made my first payment. On XX/XX/2019 I made my first payment of {$5.00}, on PBC of Maryland 's website ( Invoice # XXXX ). I then called PBCM back on XX/XX/2019 and talked with XXXX, he told me they didn't have my payment applied to my account. He then berated me, used profane language, and threatened me with not being able to be in the reinstatement program. I gave him the invoice number and he said he would contact their accounting department. XXXX and I were able to get back in touch on XX/XX/2019 ( the date I told XXXX I would call back ). He informed me they still didn't have my payment on my account ( even though it had been 26 days since the payment was processed ). 

It seems like PBCM/XXXX are lying, as it shouldn't take 26 days to apply a payment to an account. They also seem unprofessional, with the language they use, not speaking clearly into the phone repeatedly, not sending stuff through the mail when requested, and threatening to remove people from programs they have no authority to do ( only because I wouldn't give him my debit card number over the phone ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Credit card Charges Off Account : Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of you are required to submit all documents to consumer by mail. 

Good morning in reviewing my credit report. XXXX XXXX XXXXXXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX XXXX XXXX XXXX XXXX XXXX failed to submit XXXX -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX Violation FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter. ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. Consumers prepared to address this matters in legal proceedings for statutory damaged. Im hoping we can address this matter with the proper outcomes for both parties. The following documents can be mailed to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company placed a debt on my credit this month they stated I opened an account with the XXXX XXXX which is false. They stated I opened the account in XX/XX/2023 which is flat out not true. This is fraud and the company just made up fabricated information. I have included this information in the police report I made last week. They are reporting someone else debt to my credit report which is in violation of FCRA.