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

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX XXXX Balance : {$130.00} Chargeoff XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$640.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Noticed Unauthorized Inquiries On My Credit Report. 

Huntington National Bank XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within 15 days. I have included the necessary documents for your review and reference.
Product: Debt collection

I have sent out letters to the creditor they have not responded the credit failed in validating the debt prior to reporting it on my credit file.
Product: Credit reporting or other personal consumer reports

Ed Financial has failed to update my balance on my loans since XXXX 2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in mid-XXXX I called again and even filed a dispute as Ed had advised. Ed told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now XXXX cant even contact them due to long hold times and Ed not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from Ed 's own website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XXXX xxxxx XXXX Account balance is not consistant with other credit agency. Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX  XXXX .... Balance : {$85000.00}
Product: Checking or savings account

Navy federal takes a long time to process charges making you think you have the money in your account and then puts your account in the negatives charging you over draft fees.
Product: Debt collection

Had a loan account with XXXX XXXX XXXX XXXX. No debt collection attempt was made and then received notification from a company named Bull City Financial. When I called XXXX XXXX XXXX they told me they had no information but for me to try and contact Bull City. i never had any account or agreement from Bull City also was never notified of any debt collection from XXXX XXXX XXXX XXXX. I have a {$0.00} account and showing 100 % paid off per attachment. Bull Ciry also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters requesting documentation about accts if theae accts are verified i would like documentation that they received to verify sent to me for verification. These accounts are incorrect and Equifax. Has not removed info or verified information like i requested. There is a bankruptcy and 2 XXXX XXXX acct. All i asked for is for this information be verified and if not remove items.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, XXXX  Experian sent my credit report sent to an individual without my consent or knowledge. This has needlessly exposed my wife and myself to possible identity fraud or theft, and has created a great deal of stress for us. My credit report was sent to XXXX XXXX XXXX XXXX XXXX XXXX, WA ) under his dispute results report # XXXX. If not for this person notifying my wife about the incident we would have never known that Experian sent my credit report to anyone without my authorization. 

I have filed a complaint with Experian about this breach of trust but we have not received any response to date. I have asked Experian the following : XXXX. How does something like this happen? Do you not have any internal controls to prevent this? 
XXXX. Do you not use second-checking processes to ensure only the correct financial/credit data is sent to the correct person? 
XXXX. What is Experian going to do to ensure this does not happen again? 
XXXX. What is Experian going to do to mitigate the identity fraud exposure risk that you have created for myself and my wife? 

We are filing this complaint to express how incredibly displeased we are with Experian over this incident. We have also filed a complaint with the Washington State Attorney General. 

XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  PERSONAL LOANS IS REPORTING FRAUDULENTLY ON MY CREDIT REPORT.
Product: Debt collection

There is a collection on my credit report that does not belong to me. I have no knowdge of this debt, I would like this collection removed ASAP,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that XXXX continues to ignore my requests for the removal of these items that have already been successfully removed from my XXXX credit report. 
Therefore, I am requesting again that XXXX remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
1. 15u.S. Code 1692e- False or misleading Repsentations XXXX XXXX XXXX XXXX Account number # XXXX  XXXX there is some inaccurate information reporting XXXX XXXX XXXX XXXX Account number # XXXX 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXXXXXX Account number # XXXX
Product: Mortgage

i Have a current loan with OCWEN mortgage. They agreed thru a bankruptcy court action, via a signed agreement, that they would honor a former modification applied for in 2011. Approved thru my BK # XXXX plan and signed by the JUdge. XXXX decides at a later date they will NOT honor the signed agreement. I had to obtain services of a lawyer to force them into agreement last summer. On XX/XX/XXXX, same year they file a NOD, after agreeing my loan was current. They now have just filed a NOS. They refuse to honor signed modification or agreement done thru XXXX last year. In addition, they refuse to accept current payments on my loan. I now face having to refile XXXX. I also had to spend another {$5000.00} in legal fees to bring a federal action. Can CFPB help me in any way to open investigation into this matter? I only have limited time. 

XXXX XXXX
Product: Debt collection

So I got a called from XXXX XXXX that I missed a delivery and to call that number with a reference number to figure it out. I had no idea so I called and gave the ref number and it's some collection agency trying to recover money from a credit card supposedly from XXXX that closed in XXXX and was charged off in XXXX? Idk it isn't on my credit anywhere and I have no XXXX idea what they're talking about but basically threatened my credit. And bank account. They had my info, last four of my social at least and birthday and address. 

The company that supposedly sent the delivery was XXXX XXXX XXXX. I hung up mid call because they began staring my credit would be damaged for a decade, due to a law Obama passed? It was very confusing
Product: Credit reporting or other personal consumer reports

Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXXXXXX XXXX XXXX is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the XXXX Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...
Product: Credit card

Subject : Dispute over Signature conformation I am writing to you regarding a series of recent purchases made through PayPal that have unfortunately led to a dispute due to non-receipt of items. As the buyer in these transactions, I expected a safe and secure delivery process ; however, the items were reportedly left unattended at the delivery address and are now missing. 

The Tracking # s in question : - XXXX - XXXX - XXXX Upon realizing the items had not been received and had been left unsecured, I reviewed the PayPal Seller Protection Policy. It specifies that for items above a total payment amount of {$750.00} USD, the seller must provide " Signature Confirmation '' upon delivery to ensure safe handover and to be eligible for seller protection. 

It appears that a signature confirmation was NOT obtained for these deliveries. This omission is a critical failure to comply with the PayPal Seller Protection requirements that are designed to protect both the buyer and seller. 

As a buyer account XXXX, I relied upon these policies for safety and assurance when making high-value transactions. The absence of the signature confirmation has directly affected the integrity of the transaction and, as such, it is my understanding that the seller would not qualify for seller protection in this case. 

I am reaching out for this matter and to affirm that the transactions be ruled in my favor based on the guidelines established for seller protection. The seller 's failure to secure a signature upon delivery has resulted in a loss for me as the buyer, a circumstance that seller protection rules are in place to prevent. 

While I am sympathetic to the challenges faced in e-commerce logistics, adherence to the stipulated requirements is crucial, especially for high-value items. I trust that paypal will honor its policy in this case and provide a resolution that safeguards the trust and security promised to its users. 

Thank you for your support and assistance. 


Transaction dates : XX/XX/XXXX and XXXX Denied XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX XXXX Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open unauthorized accounts in my name. 

XXXX XXXX : Acct # XXXX, Amount XXXX XXXX : Acct # XXXX, XXXX/XXXX : Acct # XXXX, Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an  information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA
Product: Debt collection

I have an acct from this company that is not mine its fradulent and reporting on my credit file and is in collections that needs to be removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  collection company XXXX XXXX XXXX was charged off in XXXX have requested this debt be verified and it has not.I have also requested proof I owe this collection company XXXX XXXX XXXX and XXXX havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1692c ( c ) If a consumer disputes a debt, the debt collector must generally cease collection efforts including credit reporting until the debt is verified. I am attaching the answers to the suit petition served to me by XXXX XXXX XXXX in which I answered the suit requesting the debt be verified. I have not received documentation verifying the debt. The suit petition and attorney notice account numbers match each other in my attached documents.they # XXXX. Once I answer the suit through the court I requested the company validate the debt and they have yet to do so. Attached is my suit answers requesting validation. I keep filing complaints and this account keeps returning verified but nothing has been provided to validate this debt.