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

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccuracies on my credit reports from Experian. 

Specifically, there are multiple hard inquiries listed that lack permissible purpose and an account that remains unverified despite my request for validation. 

XXXX. Upon reviewing my credit report on XX/XX/XXXX, I identified several unauthorized hard inquiries made without my consent or a permissible purpose, as outlined under the Fair Credit Reporting Act ( FCRA ). These inquiries are unfairly impacting my credit score, and I have not initiated any business relationship or application with the listed companies that would justify such actions. I am formally requesting the immediate removal of these inquiries from my credit file, as they are in clear violation of FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Unverified Account Additionally, my credit report reflects an account under XXXX XXXX XXXX XXXX This account can not be verified as belonging to me, nor have I been provided with adequate documentation proving its validity. Under the FCRA, it is my right to demand that unverified information be removed from my credit reports. Request for ActionI kindly request the CFPBs assistance in addressing these inaccuracies and ensuring the credit bureaus fulfill their obligation to maintain accurate and fair information. 

Please keep me informed of the investigations progress and provide written confirmation once these inaccuracies have been corrected.Thank you for your time and attention to this matter. I appreciate your assistance in ensuring accountability among the credit reporting agencies. 

Sincerely, XXXX XXXX I have sent a copy of my drivers license ( front and back ) as proof of identity, along with my Social Security card to Experian XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a XXXX XXXX XXXX loan on XXXX XXXX in the amount of {$4300.00}. XXXX XXXX sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later XXXX XXXX contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had Experian dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at XXXX XXXX and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI  report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 card

Comenity deliberately delays payments from posting on time so that it can impose big, unjustified late fees. I paid my Bread Card balance on time, via ACH transfer from my bank. Bread pretended like it did not post in time, and imposed a {$30.00} late fee. When I contacted Comenity about reversing the late fee, Comenity even cited the CFPB 's 2024 rule that reduced the size of late fees card issuers can charge. Knowing its {$30.00} late fee is excessive, Comenity immediately refunded half of it. But that still ignores that no late fee was even warranted. It appears that Comenity slaps non-compliant late fees on cardmembers in hopes its customers don't know the rules and won't complain. That abusive practice needs to end.
Product: Credit reporting or other personal consumer reports

IN XXXX MY IDENTITY WAS STOLEN. A FAMILY MEMBER CAME INTO OUR HOME IM NOT SURE ABOUT WHICH ONE WHO DID IT. MY SOCIAL SECURITY CARD ALONG WITH MY BIRTH CERTIFICATE AND ID WAS STOLEN, ALONG WITH MY DAUGHTERS. I REPORTED THE STOLEN BIRTH CERTIFICATES AND SOCIAL SECURITY CARDS TO THE IRS AS SOON AS I NOTICED THEY WERE MISSING I HAVE PROOF I HAVE A COPY OF THE REPORT. I HAVE BEEN TRYING TO CLOSE THIS REPORT WITH XXXX AND THEY ARE FIGHTING ME TO DO SO. I HAVE FILED A POLICE REPORT AS WELL. I NEED TO HAVE THIS REMOVED OFF OF MY CREDIT BECAUSE I HAVE NOT DONE THIS ACCOUNT. IF THIS DOES NOT GET REMOVED I WILL HAVE TO TAKE FURTHER LEGAL ACTION.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Disclosure and Reporting of Personal Information To whom it may concern, I am writing to formally dispute information contained in my consumer report provided by your agency. Having recently obtained a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent. This appears to be a violation of the provisions outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. According to my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was never provided with an option to opt-out, as required by law. Upon reviewing the report, I noticed that certain accounts are being reported without my written consent. I want to clarify that my dispute is not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. I refer to 15 USC 1681b - Permissible Purpose, which mandates that a consumer 's written consent is required for the reporting of personal information. As of now, I have not given such written consent, and I would appreciate it if you could provide proof of my consent to demonstrate compliance with this legal requirement. Failure to provide evidence of my consent could be construed as a violation of my rights under the FCRA. Moreover, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, as it could be perceived as a form of identity theft. Per 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : ( XXXX ) ( Date Opened : XX/XX/XXXX ) ; ( XXXX ) ( Date Opened : XX/XX/XXXX ) ; ( XXXX ) ( Date Opened : XX/XX/XXXX ) I assert my right to a fair and accurate credit reporting process, and I believe that the swift removal of these accounts is essential to rectify the reported inaccuracies. Additionally, I request that you provide documentation regarding your method of verification for the disputed accounts and records showing proof of giving me the option to opt out of the information being reported in my consumer report. This will help ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I expect your prompt attention to this matter and the resolution of my dispute within the specified time frame ( 4 Business days ). Failure to comply with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

See attached sent certified XX/XX/2024 I recently reviewed my credit report and found that it still contains inaccurate accounts. Despite contacting you multiple times, I have not received a satisfactory response or resolution. I request an explanation of the procedures and methods you used to verify these accounts as accurate, as permitted under FCRA Section 611. If records exist, I request copies under the FACTA Act, SEC 312 ( b ) and ( c ).

This letter also serves as a formal complaint regarding your failure to address my previous requests and to maintain reasonable procedures to ensure maximum possible accuracy in your credit reports. I was a victim of identity theft and have informed you of this matter multiple times. My credit report shows many inaccuracies resulting from this identity theft. 

This account is 100 % inaccurate and false because the account is unknown to me. As required by Section 611 of the Fair Credit Reporting Act, 15 U.S.C 1681i ( copy enclosed ), I request that the adverse information on these items be removed to correct my credit report. This is not an attempt to request a block that was made in error, nor is my request based on a material misrepresentation. I did not knowingly obtain, nor should I have known that I obtained, possession of goods, services, or money as a result of any transactions I am seeking to block.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and god bless. I am filing a complaint because Equifax keeps dropping my credit score for no reason I pay my bills on time. They report inaccurate items on credit report that I have no knowledge about every since I been calling them about these inaccurate items my credit score dropped tremendous can someone please help
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The debt in question lacks the necessary details to verify its validity. Specifically, I am missing the following information : - Date of original delinquency - Original creditor 's name - Detailed account history - Proof of my responsibility for the debt Without this essential information, I am unable to verify the accuracy of the debt. I request that you provide me with a complete and detailed account of the debt, including all relevant documentation. 

I would appreciate it if you could investigate this matter and take the necessary steps to correct or remove the disputed debt from my credit report. Please notify me in writing of the outcome of your investigation.
Product: Debt collection

On XX/XX/2024, I received a notification from XXXX stating a new collection account was submitted for {$460.00}. Upon checking, it was a debit from Jefferson Capital Systems LLC, representing XXXX. I contacted the collection company for documents, but they couldn't locate my account, insisting on my full social security number. After providing it, they still couldn't find my account. XXXX confirmed no outstanding balance, and their manager mentioned several complaints about Jefferson Capital Systems LLC using tactics to obtain sensitive information. I urge an audit of Jefferson Capital Systems LLC for its deceptive practices with US consumers. 

Also, How does XXXX accept a report without any proof? These acts destroy the US consumer. I've been building my credit for over XXXX years and I know I have to start again. This is too much for me. I can't keep accepting this to happen to me. I spent money to build my credit and with that easy ruined again and no one telling me for what?? This is unacceptable
Product: Credit reporting or other personal consumer reports

As I reviewed my report XXXX seen items/ addresses that didn't belong to me as well as addresses that wasn't a deliverable address. As well as the incorrect spelling and arrangement of my full name. I have called and mailed them documents asking for these thing to be deleted and corrected. However still 3 months later no results. 
Please find the incorrect addresses below. 

XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  As well as my name should reflect what is on my identification. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. 

it is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. XXXX and Experian are in violation of this provision. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX and Experian are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on the street with my kids cause every time they check my credit they see this fraudulent account which makes  me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on the street with my kids with covid 19 I am so afraid
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry from XXXX-2021. I don't recognize this nor authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Request for Immediate Removal of Fraudulent Hard Inquiry by WF CRD SVC from XXXX Credit Report Dear WF CRD SVC, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter concerning a fraudulent hard inquiry that was conducted by WF CRD SVC on my XXXX credit report. This unauthorized, unverified, and fraudulent inquiry, which occurred on XX/XX/2021, raises serious concerns regarding potential fraudulent activity. In light of this grave issue, I kindly request your urgent action to rectify this situation by promptly removing the fraudulent inquiry from my credit report, in strict adherence to the Fair Credit Reporting Act ( FCRA ). 

Upon conducting a thorough review of my XXXX credit report, I discovered an unverified hard inquiry associated with WF CRD SVC on XX/XX/2021. I want to emphasize that I did not authorize or initiate this inquiry, and its presence on my credit report is both unwarranted and deeply troubling. Fraudulent activity of this nature can have severe ramifications, impacting my financial well-being and tarnishing my creditworthiness. 

As a consumer protected by the FCRA, I am entitled to accurate and reliable information on my credit report. It is paramount that any fraudulent or unauthorized entries are swiftly investigated and expeditiously removed to preserve the integrity and validity of my credit history. I kindly request your immediate attention to this matter, conducting a thorough investigation into the origin of this fraudulent inquiry, and taking all necessary measures to rectify the situation. 

I urge you to treat this matter with the utmost urgency and prioritize the removal of the fraudulent hard inquiry conducted by WF CRD SVC from my XXXX credit report. I expect your full cooperation and strict adherence to the FCRA regulations in ensuring the protection of my consumer rights and the restoration of my creditworthiness. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution to this issue and request timely communication regarding the actions taken to address this fraudulent inquiry. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXXXXXX XXXX XXXX XXXXXXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THIS ACCOUNT ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive been charged overdraft fees numerous of times only to reason an email a few days later saying that there were funds available to cover the transaction.