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

Subject : Unable to Access Dispute Results Online - Request for Official Response Complaint : I am writing to formally lodge a complaint against the credit bureau regarding issues accessing my dispute results online. 

Issue Description : I have previously filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to view real-time credit scores, sometimes file disputes on the credit bureau website , and dispute results on the official websites of the credit bureau XXXX Despite these complaints, the issue remains unresolved. 

I am getting emails saying your dispute results are available " see online '' but " I can't see them online. '' Request for Resolution : I request that the credit bureau provide the results of my disputes through one of the following methods : Replying to my CFPB complaint with the dispute results. 
Officially emailing me the dispute results at XXXX. 
On their website after fixing the errors. 

Verification of Identity : I am attaching my documents to verify my identity. These documents have been provided multiple times, and I request that they be added to my file for reference. 

Previous Attempts : I have made prior attempts to resolve this issue directly with the credit bureaus. Yet, I have not received any resolution or meaningful response to my inability to view dispute results and real-time credit scores online. 

Given the critical nature of credit reporting and its impact on my financial well-being, I urge the credit bureau to take immediate action to resolve this issue. I look forward to a prompt response and a satisfactory resolution. 

Attachments : Personal identification documents ( as previously submitted ). 

Thank you for your attention to this matter. 

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

I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and provide proper validation of a debt as requested. Despite my numerous attempts, the credit company has neglected to provide me with the necessary documentation to validate the debt, impeding my ability to address inaccuracies on my credit report. 

Below are the details pertinent to my complaint : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. Date of Request for Validation : XX/XX/2023 I have repeatedly requested the credit company to provide me with the following information, as mandated by the FCRA : 1. Verification of the debt including the original creditor 's name, the account number, and the amount owed. 
2. Proof of any signed agreements or contracts related to the debt. 
3. Documentation showing that the credit company has conducted a thorough investigation into my dispute. 
4. Any other relevant documentation supporting the validity of the debt. 

Despite my diligent efforts, the credit company has failed to respond to my requests within the guidelines stipulated by the FCRA. Their noncompliance with these laws has severely affected my ability to address and resolve any inaccuracies on my credit report. 

I kindly request your assistance in resolving this matter and ensuring that the credit company adheres to the FCRA regulations. I believe it is crucial for consumers to have access to accurate and transparent information about their debts, and I am deeply concerned about the credit company 's disregard for these regulations. 


I kindly request that you take appropriate action against the credit company to rectify this situation and enforce the necessary penalties for their failure to comply with the FCRA. Additionally, I ask that you provide me with updates on the progress of your investigation and any steps taken to address this matter. 

Thank you for your attention to this complaint and for your commitment to protecting consumer rights. I trust in the Consumer Financial Protection Bureau 's ability to address this issue and bring about a satisfactory resolution. 

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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

The dealership ( XXXX XXXX XXXX XXXX XXXX ) had me put down a 100 % refundable deposit of {$500.00} in order to " hold '' a vehicle while I decided whether or not I wanted to purchase it. When I decided I didn't want to purchase, the dealer tried to hold the {$500.00} in ransom for me to come in and explain WHY I didn't want the vehicle. I told them to refund it -- and they said they would, but only if I came in and told them why. I explained why over the phone and through text -- and they ignored me moving forward. I asked for the refund -- they ignored me. So I disputed the charge with the credit card company. They didn't ask me a single question- instead they just denied the dispute stating that I did not answer their questions. When I tried to call in and ask WHAT questions -- USAA subsequently could not tell me what questions weren't answered. BUT -- told me that because I ALREADY disputed it -- I couldn't dispute it again. 

I did not purchase a vehicle. The deposit was 100 % refundable. But somehow I cant get the money form the dealer OR my credit card company.
Product: Credit card

Sunday, XX/XX/XXXX, I received an email from a credit monitoring service that there was a hard inquiry on my credit report. Found the company, found their customer service but was unable to reach them as it was outside of business days. Received an email from the same company the following morning, Monday XX/XX/XXXX, requesting more information to process my application. Called the company customer service number again, and was hung up on after explaining what the issue was. Called back, only to be directed to contact the credit bureau. I froze my credit, but was not able to get any more information from the company.
Product: Debt collection

Hello, and i hope all is well. After reviewing many areas of the credit profile ; XXXX XXXX XXXX continues to placed paid credit debt, which surpasses the statute of limitations. With the incorrect reporting, these actions continue to deplete my credit score along with creditworthiness.
Product: Debt collection

I am writing to bring to your immediate attention a critical matter regarding my credit report. Upon reviewing my credit report, I have identified fraudulent accounts that do not belong to me. I am formally disputing the presence of these unauthorized accounts and requesting their aggressive and immediate removal from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I have attached supporting documentation, including a copy of my identity document, police reports, and any other relevant materials, to substantiate the claim that these accounts are a result of identity theft or fraudulent activity. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of your role in maintaining accurate and reliable credit information. Given the severity of this situation, I urge you to take swift and aggressive action in investigating and removing these fraudulent accounts from my credit report. 
These unauthorized entries must be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT XXXX # XXXX LATE TRADELINE MARKS. REMOVE THEM ALL " NEVER LATE ''
Product: Money transfer, virtual currency, or money service

I was charge {$1700.00} my claim number is XXXX. This was an authorize charge I need my money back for rent its been going on for a month I filed on XX/XX/XXXX th is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX  ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity leaked along with XXXX XXXX other Americans. I do n't even get to choose if they get to keep my data, since they are XXXX of the major credit bureau i have no choice.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding significant inaccuracies and fraudulent activity present in my credit report, which have been causing detrimental effects on my consumer rights and financial well-being. Upon reviewing my credit report provided by TransUnion, I discovered troubling discrepancies that require immediate attention. Specifically, there are inaccuracies in my personal information and fraudulent accounts listed on my report. Personal Information for TransUnion : NAME : XXXX XXXX XXXX XXXX It has come to my attention that there are variations of my name existing within XXXX XXXX records. I have requested the immediate deletion of any entries that do not precisely match my correct name, " XXXX XXXX XXXX XXXX, '' to ensure the accuracy of my credit profile. CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, XXXX  XXXX Additionally, there are addresses listed in TransUnion 's system that do not correspond to my current residential address. I have explicitly requested the removal of any address entries that do not align with " XXXX XXXX XXXX, XXXX, XXXX  XXXX '' to maintain accurate information for future transactions. Fraudulent Accounts : After a thorough review, I have identified the following accounts that do not pertain to me : XXXX XXXX XXXX Account Number : XXXX ( FTC Report # XXXX ) Date Opened : XXXX Balance : {$1400.00} XXXX Account Number : XXXX ( FTC Report # XXXX ) Date Opened : XXXX Balance : {$490.00} These inaccuracies and fraudulent accounts are deeply concerning and could potentially have adverse effects on my financial well-being if not addressed promptly. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX takes immediate action to rectify these issues. These accounts do not belong me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. In conclusion, I implore your prompt attention to these matters and request that all necessary actions be taken to remove these inaccuracies and fraudulent entries from my credit report. Your cooperation in resolving these issues swiftly is crucial in safeguarding my consumer rights and financial stability. Thank you for your assistance in addressing this urgent matter.
Product: Payday loan, title loan, or personal loan

In XXXX of 2018 Fifth Third Bank put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when I disputed the issue with a manager in XXXX, Ohio. They sent me a letter saying they reopened the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.
Product: Credit reporting or other personal consumer reports

Unauthorized Changes to Credit Report and Data Breach Concerns I am writing to formally express my concerns regarding serious issues with my credit reports and the handling of my personal information by XXXX, Equifax, and XXXX XXXX XXXX. 

First, my personal data was compromised in data breaches involving these companies, which has left my privacy unprotected. Additionally, there was an unauthorized unlocking of my credit freeze. I had previously ensured that my credit reports were securely locked and did not authorize these changes. I asked for the incorrect addresses to be removed and it was not. 

Moreover, there are incorrect addresses listed in my credit report that I have repeatedly requested to be corrected. Despite my efforts, these inaccuracies persist. Given the significant breach of my privacy, unauthorized changes, and ongoing inaccuracies, I am seeking immediate action to rectify these issues, ensure my data remains protected, and provide accountability for these violations. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX, I contacted United Collection , Inc. asking them for debt validation of the account as I never received any bills prior this debt hitting my credit report, the debt is in the sum of {$210.00}. 

I received a bill for {$320.00} on XX/XX/XXXX which is {$110.00} difference, and it didn't validate the debt their claiming I owe, it only raised further concerns as it shows two different amounts, one for  {$320.00} and another for {$210.00} I reached back out to United Collection , Inc. to ask for more details and validation of this debt. I was told there are now two different debts, one for {$210.00} was for a hospital visit in XX/XX/XXXX and the other was for another hospital visit on XX/XX/XXXX. I explained to the rep I had no problem paying the debt if they can validate the debts. The rep stated the hospital visit were at XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NV and this is the physicians portion and even knew the treatments and service performed. 

They have violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form authorizing United Collection , Inc. to have access to my patient information.
Product: Debt collection

This what I sent to Carter-Young , Inc . 

Account Number : XXXX " If you can't provide proof of ALL : 1 ) The Original Contract with my wet signature applied to it 2 ) The Creditor Information ( Name, address, and phone number ) 3 ) The Payment History and the itemized billing associated with the account 4 ) Proof that you Carter- Young Inc. are authorized to collect the debt from me.

Then the debt is not valid.

In the attachment Carter-Young Inc. sent to me I did not see any document with my Wet signature applied to it linking me to this alleged debt. I do not see an attached document with my Wet Signature applied to it between Carter-Young Inc. and I, explaining that Carter-Young Inc may collect on an alleged debt. I do not see an attached itemized billing associated with the account. I am now reporting you to the CFPB because I have tried to have you guys show proof of how you ( Carter-Young Inc. ) validated this alleged debt and you have yet to respond. ''
Product: Credit card or prepaid card

I am disputing a deceptive finance charge associated with my XXXX XXXX credit card. Comenity Bank claims the due date for the final payment was three weeks earlier than the other 11 months of payments because it was based on the purchase date. This is in direct contradiction to what I was told by the sales associate at the time of purchase. The sales associate stated that my payments would be due at the end of each month. Despite paying all of my payments by the due date of the XXXX of each month I was assessed a finance charge for all 12 months of interest exceeding {$600.00}. I have tried to resolve the dispute with the bank but the customer service representative told me I would have to dispute the charge with the credit bureau in order to get the bank to respond. The banks practice is unfair and deceptive and therefore I am disputing the finance charge.
Product: Debt collection

According to Law USC 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX are reporting incorrect information on my consumer reports
Product: Credit reporting or other personal consumer reports

Between the dates of XX/XX/2023 - XX/XX/2023, EQUIFAX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 121 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 31 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 121 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last 2 months, I have disputed a {$3500.00} balance via XXXX XXXX XXXX XXXX. XXXX bank, The XXXX account should report a {$0.00} balance. XXXX, " We have reported a {$0.00} balance to XXXX, on XX/XX/2023. '' XXXX continues to report {$3.00}, XXXX as an outstanding balance. Which is reducing and destroying my credit score. I have called and filed a dispute for the last 2 months and no change. 

I am asking that CFPB to hold XXXX accountable and make XXXX remove all outstanding balances that are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

m accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : US DEPT OF EDXXXX - XXXX, has violated my rights. 

Experian : US DEPT OF EDXXXX - 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. 

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

I originally disputed XXXXXX/XX/XXXXaccount with Equifax specifically asking them to verify this account ... and if the account was verified I wanted them to send me all documents supporting this account .... Eqiufax has failed to supply me with supporting evidence as I am entitled to according the FCRA consumer regulations ... ... they never sent me any thing verifying this account
Product: Debt collection

I get numerous calls from all kinds of scam companies for a debit that was satisfied in 2011 by the original debtor. The one today was a different name than yesterday but the same story. It is a robocall stating that there are multiple infractions against my name and that they are going to take legal action against me unless I settle with them. This time I pressed 1 to talk to someone to tell them they are in the wrong and the person who picked up the line said nothing about being a debt collector. They then said that I already spoke to someone, I did not, and told me to, " get off my XXXX line. '' They then hung up. The number that called me was most likely spoofed but it is, XXXX.